The first thing the Law Offices of Fife & Cesta, PLC helps bankruptcy clients with is investigating whether or not they should file bankruptcy in Mesa, and we have had clients to whom we have recommended options other than bankruptcy. Not every person that walks through the door will end up declaring bankruptcy, but for some it is the best legal & financial solution for their situation.
We work with our clients to discover whether other debt-management options like debt-consolidation, refinancing, and deferral can be used. We also examine the viability of selling certain assets to pay-off other debts.
Throughout this initial stage, we strive to be supportive and offer informative guidance to give people access to the right legal knowledge to inform their decision of whether or not to file bankruptcy in the East Valley.
Which bankruptcy is right for me?
The next stage of filing bankruptcy involves deciding what bankruptcy chapter is right for you. There are several available options for individuals & businesses in Arizona:
Each one of these chapters offers unique features and benefits such as the financial fresh start of total liquidation in Chapter 7 or the debtor in possession benefits of Chapter 11. Our attorneys will help you decide which option is right for you and why—making sure you understand everything that is available to you.
How do I finish my bankruptcy filing?
Successfully finishing the bankruptcy filing in Mesa and across the East Valley involves cooperation with the Arizona federal courts that govern bankruptcy in the state, and negotiation with creditors.
Bankruptcy litigation is a formal legal process that begins with a statement of financial affairs and filing a petition for bankruptcy. Some bankruptcies require you to submit a repayment plan and almost all go through a period of creditor review and approval.
Also depending on the type of bankruptcy, and what is at stake for your and the creditors, certain disputes can arise. It is not uncommon for a debtor and creditor to disagree about debt discharge or repayment plans.
These disputes can normally be settled through additional negotiation. In the event they escalate into lawsuits, our attorneys stand by you to protect your rights and zealously advocate for your interests.
The Law Offices of Fife & Cesta, PLC provides personalized service for every step of filing bankruptcy in East Valley Arizona.
Call 877-338-2270 or fill out our web form for help with your bankruptcy options. The Law Offices of Fife & Cesta, PLC serves clients in Mesa, AZ and the surrounding East Valley area, including Apache Junction, Chandler, Florence, Gilbert, Scottsdale, and Tempe.