If you or someone you care about id burdened with high debt and cannot seem to get ahead, bankruptcy may be a good way to get a fresh start in life and get nasty creditors to leave you alone.

The law office of Lerner & Rowe, P.C., attorneys practice consumer bankruptcy, including Chapter 7, 11 and 13 by helping clients with all aspects of bankruptcy. Our Phoenix bankruptcy attorneys developed this web site to provide information about filing bankruptcy in Phoenix . Get relief from creditors and get a fresh start by filing for bankruptcy. The current economic conditions are frightning especially when consumer debt is at an all time high, even the affluent can be confronted by overwhelming debt as a result of a loss of a job, death of a family member, or severe illness.

Filing bankruptcy can get creditors to leave you alone. With Chapter 7, most debts are able to be discharged. In Chapter 13, our bankruptcy attorneys can help and in most cases a payment plan can be established. Sometimes filing bankruptcy can help your family and is the only way to get a fresh start. Let us help you decide if bankruptcy is right for you. With our extensive experience in bankruptcy, we understand bankruptcy law and will help you understand the bankruptcy process. Our Phoenix lawyers provide free information on this site to help you determine if bankruptcy is right for you as well as answering some important questions about what bankruptcy is.

A business or an individual can declare bankruptcy once they have ascertained that it has become impossible to pay off one's creditors. It can give you a chance to start over from a financial point of view, as most of debts are relieved after bankruptcy as been filed. Chapter 7, or liquidation bankruptcy, means that your "estate" – i.e., your assets – is sold in order to pay off your creditors.

A reorganization bankruptcy can also involve the selling of assets, but more often than not you can retain a majority of your assets while your creditors' needs are assessed. Reorganization bankruptcies can be filed under the following guidelines:

1. Chapter 9 – municipalities
2. Chapter 11 – businesses and individuals with many assets
3. Chapter 12 – farmers, fisherman
4. Chapter 13 – individuals with steady income
5. Chapter 15 – international cases Contact us today to learn more about your options under the current bankruptcy laws.

 Why Should You Choose our Phoenix Bankruptcy Law Firm?

• Fully Licensed and Insured
• Free Initial Consultation
• Extensive Trial Experience
• Evening Hours
• Weekend Hours
• Appointment Flexibility
• References Available

Call the Phoenix bankruptcy attorneys at Lerner & Rowe, P.C., now 1 (602) 977-1900 for a FREE bankruptcy case evaluation from an experienced Phoenix bankruptcy lawyer in our firm.