The calls can stop. The fresh start can begin.
Freshstart helps Arizona families understand their options under the Bankruptcy Code and, when it's the right choice, file Chapter 7 or Chapter 13 with a steady hand beside them.
Chapter 7 or Chapter 13?
Two very different paths to the same goal: relief from debt you can't realistically repay. Here's how they compare.
Liquidation, the faster reset
Most qualifying unsecured debts like credit cards and medical bills may be discharged, often within about four months. Many filers keep their essential property through exemptions.
Typical length: 3–5 monthsWho it often fits
Households whose income is below their state median, or who pass the full means test.
What happens to property
Exempt property is protected. A trustee may sell non-exempt assets, which is uncommon for many filers.
Repayment
No repayment plan. Eligible debts are discharged at the end of the case.
Behind on the house?
Chapter 7 doesn't let you catch up on missed mortgage payments over time.
Not dischargeable
Most student loans, recent taxes, child support and alimony usually remain.
Credit impact
Stays on your report up to 10 years. Many clients begin rebuilding within months.
Reorganization, a structured plan
You make one monthly payment to a trustee for three to five years. It can help you keep a house or car you're behind on while the rest of the plan works through your debts.
Typical length: 3–5 yearsWho it often fits
People with regular income who are behind on a mortgage or car, or earn above the median.
What happens to property
You generally keep your property while making plan payments.
Repayment
A court-approved plan based on your income, expenses and the type of debt you owe.
Behind on the house?
Missed mortgage payments can be spread across the plan to help stop foreclosure.
Co-signer protection
May shield co-signers on consumer debts during the case.
Credit impact
Stays on your report up to 7 years from filing.
Which path might fit? A quick, educational check.
Loosely modeled on the bankruptcy means test. It uses illustrative median figures, not official ones, and is no substitute for an attorney's review.
What working with us looks like
We'll tell you honestly if bankruptcy isn't your best move. Sometimes negotiation or simply waiting makes more sense.
Free consultation
30 minutes to review your debts, income and goals. We'll talk through alternatives too.
Gather documents
Pay stubs, tax returns, bills. Our secure checklist makes it manageable.
Prepare & file
We prepare your petition and schedules and file with the bankruptcy court.
Meeting & discharge
We attend your 341 meeting with you and guide you through to the end of your case.
Three things people get wrong
Exemption laws protect many types of property, such as a modest home equity, a vehicle, household goods and retirement accounts. Your attorney will review what applies to you.
A filing affects your credit for years, but many people start rebuilding quickly with secured cards and on-time payments.
Filings are public records, but most employers, neighbors and friends never see them. Employers can't fire you solely for filing.
Clients describe the relief better than we can.
"I'd been dreading the phone ringing for two years. Two weeks after our first meeting, it stopped. I finally slept through the night."Gabriela M. · Chapter 7, Mesa
"We were three months behind on the house. Chapter 13 gave us a plan we could actually live with and we're still in our home."Darnell & Keisha T. · Chapter 13, Phoenix
Individual experiences. Every case is different and results aren't guaranteed.
Questions we hear every week
Attorney fees are quoted as a flat fee at your consultation, with payment plans available. There's also a court filing fee set by the federal courts, plus required credit counseling and debtor education courses.
Many filers keep both. It depends on equity, exemptions, whether you're current on payments, and which chapter you file. We'll review your specific situation before you decide anything.
In most cases, filing triggers an automatic stay that pauses most garnishments and collection efforts. Some debts, like certain support obligations, are treated differently.
Sometimes. Debt negotiation, hardship programs or simply being "judgment-proof" may make more sense. A good consultation should cover these honestly.
Recent pay stubs, a list of debts or recent statements, and any lawsuit or garnishment papers. If you don't have everything, come anyway.
Book a free 30-minute consultation.
Pick a time that works. You'll speak with an attorney, in our Phoenix office or by video.
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Available times
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Filing bankruptcy is a serious decision with long-term consequences. This website is attorney advertising and general information only, not legal advice.