Best Bankruptcy Attorneys in Mesa

Frequently Asked Questions

• Where do I file for bankruptcy in Mesa, Arizona?

  Residents of Mesa may file for bankruptcy at the United States Bankruptcy Court located at 230 N 1st Ave, Ste 101, Phoenix, AZ 85003.

• Where can I get bankruptcy forms in Mesa, Arizona?

  You may get your bankruptcy forms at the official website of the United States Bankruptcy Court for the District of Arizona, which can be accessed below: https://www.azb.uscourts.gov/forms

• How common are bankruptcies in Mesa?

  As of 2022, there has been an 8.4% year-over-year decrease in bankruptcy filings for Maricopa County, where Mesa is located, and all the other northern counties in Arizona. Overall, Arizona has seen an 8.1% year-over-year decrease in bankruptcies in 2022. This is in most part due to a large drop in chapter 7 filings, while chapter 11 and 13 filings have actually increased.

• How are Mesa consumers affected by junk debt buying companies?

  If a consumer in Mesa holds debt that has been deemed uncollectible, it may be purchased from the original creditor by a junk debt buying company, which will attempt to collect the full amount. Junk debt buying companies typically purchase debt for pennies on the dollar and often use aggressive collection practices. Consumers who are being contacted by a junk debt buying company should be aware of their rights and may be able to get the debt dismissed.

• How can consumers in Mesa deal with junk debt buying companies?

  Because junk debt buying companies purchase debt in bulk and oftentimes do not receive full documentation, consumers in Mesa can use this to their advantage and require these companies to prove the amount of the debt and that they are the ones who own it. Additionally, consumers are advised to check if the debt’s statute of limitations has lapsed, which is typically six years in Arizona.

• How much of one’s wages can be garnished in Mesa?

  Under Arizona law, no more than 25% can be garnished from a Mesa debtor’s disposable earnings, which is defined as one’s income after legally required deductions such as taxes and Social Security. Additionally, debtors are exempt from wage garnishment if their disposable earnings are less than 30 times the federal minimum wage per week.

• How long does the chapter 7 bankruptcy process in Mesa take?

  In Mesa, those who file for chapter 7 bankruptcy will have to wait approximately four months from the date of the filing for their debts to be discharged. However, if they have any remaining non-exempt assets, such as tax refunds, the case will remain open until such assets are collected and liquidated.