Practice Areas

Phoenix Chapter 13 and 7 Bankruptcy Lawyer

Gukeisen Law Group, P.C. in Phoenix, Arizona focuses on bankruptcies for our client base. Specific bankruptcies we handle include:

Chapter 7

Even with the new laws, 95% of the clients who have come in still qualify. The only significant change in a Chapter 7 bankruptcy comes down to passing a means test. There are parameters, but we will help you with all your options.

Chapter 13

Chapter 13 bankruptcy involves a payment plan determined by income versus expenses. Whatever is left over goes to a trustee who pays your creditors. Not everyone gets paid back what you originally owed them.

At Gukeisen Law Group, P.C., we also answer questions to dispel any misconceptions people have about bankruptcy, including:

Will I Lose My House

With homestead exemptions in the state of Arizona and the ability to pay off delinquent payments for your house and car in a Chapter 13, you have the ability to keep those assets.

Will I lose My Business

If you file for bankruptcy under Chapter 11, you will be required to create a repayment plan your creditors must agree to. Our attorneys assist clients in developing a repayment plan that enables them to keep their business and maintain its day-to day-operations.

Bankruptcy Means Test

Understanding if you are eligible to file for Chapter 7 bankruptcy in discharging credit card debt and various kinds of loans, can be confusing. Our attorneys can review your financial situation and discuss whether you must file under Chapter 7 or Chapter 13.

What Do I Bring to My Appointment

At our firm, we request that clients bring in information related to income, assets, and debts.

In addition to answering your questions, we will also provide you with information on the following:

New Bankruptcy Law Changes

Before the changes were implemented, attorneys looking to generate business sent the message that you will no longer be able to file bankruptcy. That is not true. If you pass a means test, you can qualify for a Chapter 7 bankruptcy. If not, you may still qualify for a Chapter 13 bankruptcy.

Facing Bankruptcy - Stop Beating Yourself Up

Bankruptcy happens to millions of Americans, and countless companies and corporations every year. The reasons why there has been a substantial increase in bankruptcy reflect changes in the law, actions on the part of the Federal Reserve, decisions by banks, and the easy availability of credit.

Life After Bankruptcy

We encourage all clients to work on their credit score following the filing of a bankruptcy. That can mean getting a credit card with a small limit or a car loan. Loans may be at a higher interest rate, but it goes a long way in reestablishing your credit.

Stopping Foreclosure

With interest rates constantly adjusting, this is a common issue for many of our clients. If your house is in foreclosure and a sale has been scheduled, a bankruptcy filing will stop that.

Credit Counseling

Before your bankruptcy is approved, you are required to take classes via telephone or the internet. The classes cover credit counseling and debtor education.

Bankruptcy Myths

Simply put, you may still be able to file for bankruptcy and your credit is not forever ruined. Bankruptcy is a common and necessary step for many people.

For more information or to schedule an appointment with an experienced bankruptcy attorney, please contact us.

To learn more about bankruptcy, please visit our Bankruptcy FAQs.