Chapter 7 Bankruptcy Lawyer | Mesa, AZ

So many people were affected by the economic crisis of the decade of the 2000s. In fact many are still reeling from the severe downturn in the economy and the drastic drop in real estate property values. If you find that your debts continue to overwhelm you and there just does not seem to be an end in sight, you might want to consider filing for Chapter 7 bankruptcy protection.

In Chapter 7 bankruptcy, many (or all) of your debts can be cancelled or wiped out. Tax debts to the IRS or your home state as well as certain debts such as student loans cannot be discharged in bankruptcy. At the same time the trustee might also sell (liquidate) some of your property to repay your creditors. Chapter 7 bankruptcy, also called "straight" or "liquidation" bankruptcy, is so named because the law is contained in Chapter 7 of the federal Bankruptcy Code.

Here's an outline of Chapter 7 bankruptcy: who can file, the forms you'll need, how the process works, and what happens to your property and debts.


The whole Chapter 7 bankruptcy process takes about four to six months, costs $335 in filing and administrative fees, and commonly requires only one trip to the bankruptcy trustee office where you will be accompanied by Attorney Lemuel Carlos.

It is important to note that your income cannot be above a certain amount depending on how many dependents you have. In AZ if you have no dependents and are filing for bankruptcy protection as an individual that income cannot exceed approximately $ 43,000.00. If you are a two person household, that income cannot be more than approximately $ 54,000.00 per year. You must also complete credit counseling with an agency approved by the United States Trustee.

Our office charges a flat fee rate beginning at $ 1500.00 depending on the complexity and amount of debt to be discharged. This fee does not include the filing fees or costs of credit report or the credit counseling classes mentioned above.

Finally, if you have obtained a Chapter 7 bankruptcy discharge within the last 8 years, you are not eligible to file again until that time has elapsed.

Call the Law Office of Lemuel A. Carlos, PLLC today to see if filing for Chapter 7 bankruptcy protection might help you to alleviate your financial worries. We have helped hundreds of clients to get the “fresh start” they need to take control over their financial lives. Call today! (480) 355-4245.

Practice Areas

Immigration Law

LGBT Issues

DUI & Criminal Law

Chapter 7 Bankruptcy

Deferred Action For Childhood Arrivals (DACA)

Deferred Action For Parental Accountability (DAPA)