Bornmann Law Group, PLLC

If you are considering declaring bankruptcy in Phoenix, remember two things: 1. it’s true that filing for bankruptcy is nothing to enter into lightly. 2. Filing for bankruptcy may not fix all of your financial problems.  Filing for Chapter 7 or Chapter 13 bankruptcy in Phoenix, Arizona is often merely a step in the right direction to your financial freedom. Read the rest of this entry…

by Max Gunderson

People at high risk for bankruptcy generally demonstrate several or all of the following patterns:

10 Signs Bankruptcy may be rapidly approaching:

1.  You are having your wages garnished.

2.  You have had your utilities shut off at some point during the past year. Read the rest of this entry…

By Max Gunderson

What is a “Joint Petition” for Bankruptcy? A joint petition in bankruptcy is the filing of one single bankruptcy petition by an individual and his or her spouse.  In Arizona, an individual will only be able to file a joint petition if they are legally married on the date that they file their Chapter 13 or Chapter 7 bankruptcy case.  A benefit of a “joint petition” is that the couple will only have to pay only one filing fee, not two. Read the rest of this entry…

by Max Gunderson

Bankruptcy can give you a fresh start by erasing much of your debt (under a Chapter 7 liquidation) or by giving you the breathing room to pay off your debts over five years (under a Chapter 13 repayment plan).  However, bankruptcy is not always the best solution for every person or every situation. Read the rest of this entry…

Low-cost bankruptcy can be an essential component to getting your finances under control. There are cheap bankruptcy lawyers and attorneys available in Tucson and Phoenix, Arizona. Most people file bankruptcy because the money situation has gotten out of hand. When facing bankruptcy, the last thing you want to do is spend your last dollar on the process of filing for bankruptcy. The good news is there are ways to find affordable bankruptcy solutions that will help ease your financial pains. Read the rest of this entry…

by Max Gunderson

There are many ways that you can file for bankruptcy without it costing you as much money as you may expect.  One of the ways is to file your own bankruptcy.  If you are thinking about attempting to do a pro se bankruptcy (bankruptcy without an attorney) in Phoenix or Tucson, Arizona, it can prove not only to be extremely frustrating and confusing, it can also have a dramatic impact on your financial future. Read the rest of this entry…

by Max Gunderson

A bankruptcy attorney is just that, an attorney that assists you with filing for bankruptcy. Once you have decided that a bankruptcy in Phoenix, AZ or another market in Arizona is indeed what is right for you and your family, you are faced with the task of choosing an Arizona bankruptcy attorney. Every bankruptcy attorney in Arizona is different in experience, in knowledge, in cost, in demeanor, and in satisfaction. Not all bankruptcy attorneys Phoenix Arizona are created equal and whomever you end up choosing can make the already stressful experience of filing for bankruptcy in Phoenix, AZ either easier or much more difficult. Read the rest of this entry…

by Max Gunderson

There are plenty of unknowns when entering into a new marriage.  “Will he ever put the toilet set down after using the bathroom?”  “Will her Mother ever stop nagging”  “Do I really have to give up my Sunday Poker games?” but what about “Am I held responsible for all the debt that my spouse is bringing into this marriage?” Most of the questions and unknowns in a new marriage can not be readily answered, however, we can provide some clarity regarding your spouse’s debt. Read the rest of this entry…

by Max Gunderson

Part 3: Filing Bankruptcy – This IS Your Financial Bail-out!

There are many qualified and dependable bankruptcy attorneys in the Phoenix metro area and Tucson who offer Free Initial Consultations and are willing and waiting to help you through the bankruptcy process. Declaring bankruptcy has many benefits.  One of the benefits of filing bankruptcy in Phoenix, or Tucson, Arizona is that after filing bankruptcy Chapter 7, your debt is gone and you have the opportunity to make a “Fresh Start” financially.  Read the rest of this entry…

by Max Gunderson

Part 2: Properly Filing Government Forms and Bankruptcy Requirements

Another aspect of the bankruptcy filing process that you may not be familiar with is the bankruptcy court filings and requirements. We have heard numerous horror stories about individuals who have filed bankruptcy themselves and have created a bigger mess as the filings are incorrect.  Read the rest of this entry…