The Law Offices of Malkin & Associates, PLLC
BANKRUPTCY * CRIMINAL LAW * PERSONAL INJURY
FREE CONSULTATIONS, CALL NOW ! 602.266.0081
BANKRUPTCY LAW CHAPTER 7 & 13
The first part of the bankruptcy filing process is collecting all of your personal financial information. This will include a list of all your secured and unsecured debts (you might find ordering your credit report helpful), tax returns for the last two years, deeds to any real estate you own, car titles, and any other loan documents you may have. If you are struggling to pay your debts, mortgage, car payments, collections, credit cards, etc and are struggling to find a way out, bankruptcy may be the only solution to a fresh start. Chapter 7 is designed as an orderly, court-supervised procedure by which a trustee collects the assets of the debtor’s estate, reduces them to cash, and makes distributions to creditors, subject to the debtor’s right to retain certain exempt property and the rights of secured creditors. There is usually little or no nonexempt property in most chapter 7 cases, there may not be an actual liquidation of the debtor’s assets. These cases are called “no-asset cases.” Usually a debtors with assets that they wish to keep and that are not covered by exemptions file chapter 13 bankruptcy.
Generally, Chapter 13 is preferred by debtors who have a valuable asset, such as a home, that is not completely covered by exemptions and that they wish to keep. This is possible because under Chapter 13 a debtor proposes a plan to repay creditors over a three to five year period during which the debtor can make up overdue payments on any assets and pay into the plan the equivalent value of any assets not covered by exemptions. Since the debtors plan will require regular monthly or biweekly payments, Chapter 13 is usually only appropriate for an individual debtor who has a regular source of income. We can help you: Eliminate credit card debt Get a fresh start Stop Foreclosure Understand Bankruptcy Keep your car or home Get rid of collections Chapetr 7 Bankruptcy Chapter 13 Bankruptcy Stop creditors from harrasing you and much more.... Call today for a free bankruptcy consultation. DUI FACTS: Under Arizona State Law, having a blood alcohol level of .08 or more is considered driving under the influence, and the evidence collected by law enforcement must be proven in the court of law. It is important to know that impairment in the slightest degree can result in a DUI charge. This is why it is important to hire an experienced and aggressive legal team to fight for your rights. We will argue the facts and fight the charges for you. We offer free consultations on all criminal and DUI charges. The Law Offices of Malkin & Associates PLLC handles criminal cases of all types including serious or minor drug charges, meth charges, violent crimes, shoplifting, fraud, white collar crime, domestic violence, car theft, burglary, gun charges and much more. It is important to hire a criminal lawyer who is experienced in all aspects of criminal law to help you fight your charges. Call Malkin & Associates today for a free consultation immediately if you are facing any criminal charges. We can help ! If you have been injured in a car accident, have been physically or emotionally injured or personal property has been damaged, you need to contact Malkin & Associates right away. We fight for your compensation when you or your passengers have been injured in an accident, your vehicle has been damaged, you have been in a boating or motorcycle accident, we can help you fight for the compensation you deserve call today ! FREE CONSULTATIONS ON ALL PERSONAL INJURY CASES Types of personal injury cases: Automobiel Accidents Seatbelt Issues Motorcycle Accidents Pedestrian Injuries Boating Accidents Insurance Coverage Whiplash Wrongful Death Passenger Injuries Dog Bites Pesonal Injury Slip & Fall WE NEVER CHARGE AN UP FRONT FEE OR CONSULTATION FEE FOR PERSONAL INJURY CASES ! Contact The Law Offices of Malkin & Associates immediately for your free consultation on all Bankruptcy, Criminal, & Personal Injury Cases at 602-266-0081 today.
CRIMINAL LAW ATTORNEYS
ACCIDENT & PERSONAL INJURY LAWYERS
lnk