Uniquely packaged forms and information for Chapter 7 or 13 bankruptcies, including detailed instructions and other resources. All included forms available in .pdf format. Click and view the Free Preview for the latest revision dates and a complete overview of contents.
Phoenix Arizona Bankruptcy Guide and Forms Package for Chapters 7 or 13
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FAQ
Bankruptcy Chapter 7 doesn't have to be confusing. STEP 1: Gather Information and Educate Yourself on Bankruptcy.STEP 2: Consumer Counseling.STEP 3: Fill Out Your Bankruptcy Schedules and Statements.STEP 4: File Your Bankruptcy Case with the Arizona Bankruptcy Court.STEP 5: Attend Your Bankruptcy Hearing.
The biggest difference between Chapter 7 and Chapter 13 is that Chapter 7 focuses on discharging (getting rid of) unsecured debt such as credit cards, personal loans and medical bills while Chapter 13 allows you to catch up on secured debts like your home or your car while also discharging unsecured debt.
The main advantage to pursuing a Chapter 13 bankruptcy resolution is the fact that this form of bankruptcy generally offers much more flexibility and freedom than a Chapter 7 bankruptcy resolution. Under Chapter 7, you will need to liquidate most of your assets and sell off property to pay a lump sum resolution.
One key difference between Chapter 13 and Chapter 7 bankruptcy is that Chapter 7 allows people to completely eliminate their unsecured debt after a specific period. In contrast, Chapter 13 allows people to reorganize their debts while paying back some portion of what they owe.
ALL FEES DUE AT TIME OF FILING Type of DocumentChapterFeeDeconsolidation / Splitting of Jointly Filed Case7 11 12 13$338 $1,738 $278 $313Electronic Record Retrieval FeeAll$19.90Electronic Record Retrieval Per Page FeeAll65¢ExemplificationAll$2326 more rows
The fee for filing a bankruptcy case under Chapter 7 is $338. You can pay this fee with either a money order or a cashier's check. You can't pay the filing fee by credit card. You can pay the full fee when you file your bankruptcy petition.
Most people prefer Chapter 7 bankruptcy because, unlike Chapter 13 bankruptcy, it doesn't require you to repay a portion of your debt to creditors. In Chapter 13 bankruptcy, you must pay your creditors all of your disposable income?the amount remaining after allowed monthly expenses?for three to five years.
To file a chapter 13 bankruptcy in Phoenix, the debtor must complete the required credit counseling course within the 180 days prior to filing for bankruptcy. The debtor then much make sure that the certificate of completion has been filed with the court within 15 days of the filing date.
Most consumers opt for Chapter 7 bankruptcy, which is faster and cheaper than Chapter 13. The vast majority of filers qualify for Chapter 7 after taking the means test, which analyzes income, expenses and family size to determine eligibility.
Chapter 7 and Chapter 13 bankruptcy both affect your credit score the same ? having a Chapter 13 bankruptcy on your credit report will not be any better for your score than a Chapter 7.