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The Phoenix Bankruptcy Lawyers & Attorneys You Know And Trust

Let the Oswalt Law Group’s experienced, tenacious Arizona bankruptcy attorneys help you get the results you deserve. From bankruptcy law to personal injury, criminal law to DUIs, our well-rounded staff will work directly with you to ensure that your case outcome meets your needs. We approach each new relationship with integrity, respect, and the desire to deliver for our clients.

Why Choose Oswalt Law Group?

Our phoenix bankruptcy attorneys have gained the reputation of serving clients exclusively with a hands-on approach and solving a variety of case types, including bankruptcy. We offer a free case evaluation to any incoming client. Our approach, experience, and standards mean that every case gets the full attention, care, and consideration that it deserves.

Phoenix Bankruptcy Attorneys Assisting with Chapter 7 & Chapter 13 Bankruptcy

Phoenix Bankruptcy Attorneys Assisting with Chapter 7 & Chapter 13 Bankruptcy

Each and every day, many people across the state of Arizona find themselves in a difficult financial situation. While the same solution will not apply to every individual case, bankruptcy is often a useful tool used by many debtors in Phoenix, Arizona, and throughout the rest of the state. Many people believe that only irresponsible people file for bankruptcy, but this notion is untrue; in fact, many people around you may have already declared bankruptcy due to overwhelming debt, such as credit card debt and medical bills. Filing for bankruptcy is a smart decision for many, but there are also alternatives available for those who are able to avoid creditor harassment and want to explore options like debt consolidation or credit counseling.

If you are struggling with debts, it may be beneficial to consult with an experienced Phoenix bankruptcy lawyer to explore your options, such as filing for bankruptcy or seeking debt elimination alternatives.

At Oswalt Law Group, our experienced Arizona bankruptcy attorneys can help you understand your rights and the options you have when facing overwhelming debt. A bankruptcy lawyer can assist you with filing for bankruptcy or with defense against the IRS and represent you throughout the legal process.

Navigating The Bankruptcy Process

At our bankruptcy law firm, the team works diligently and quickly to ensure that you understand your rights and the process when filing for bankruptcy. The bankruptcy court proceedings can be complex without an experienced attorney, but more easily decoded with help from a qualified bankruptcy lawyer.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy, also known as debt liquidation bankruptcy, is a quick and effective process that allows a debtor to eliminate a large portion of his or her debts in a relatively short period of time. It involves liquidating possessions to help pay for some of the debts that the person has acquired.

Chapter 13 Bankruptcy

What is Chapter 13 bankruptcy? When a person does not qualify for Chapter 7 bankruptcy, they are usually able to file Chapter 13. With this type of bankruptcy, a debtor is able to restructure their debt into affordable monthly payments for about three to five years.

Alternatives to Bankruptcy

There are several alternatives to bankruptcy. For individuals who are able to avoid declaring bankruptcy or who wish to keep a bankrupt status off of their financial record, they may choose from several other options that experienced bankruptcy attorneys can explain and provide legal counsel on.

Debt Consolidation

Debt consolidation is a strategy that involves taking out a new loan to pay off multiple debts, leaving the debtor with a single monthly payment. This can make managing debts more manageable and potentially reduce interest rates.

Credit Counseling

Credit counseling involves working with a financial counselor who will review your financial situation and provide guidance on budgeting, managing debts, and improving credit scores.

Benefits of Bankruptcy

After a person files for bankruptcy, they are able to enjoy a debt-free lifestyle for the first time in many, many years; this is just one of the many benefits of bankruptcy. Other benefits include getting annoying creditors to stop calling you and having sound legal advice to help you with future financial decisions.

Filing for Bankruptcy

When a person comes to the decision to file for bankruptcy, they have often sat on this idea for some time and have struggled with debt for a while. If you want to declare bankruptcy as a method of debt relief, do not hesitate to seek professional and legal counsel from experienced bankruptcy attorneys.

Debunking Bankruptcy Myths

There are many myths associated with bankruptcy, such as the thought that a person who files for bankruptcy can never rebuild credit or buy a home. The truth is, many people can make a full financial recovery after filing bankruptcy once their debts are paid off.

Collections Defense: Protecting Your Rights

When a person owes a large amount to a creditor or bank, a collections agency may call the debtor to seek payments. Under the Fair Debt Collection Practices Act, you have rights as a debtor, and an experienced bankruptcy lawyer can help protect you from abusive collectors!

Seeking Debt Relief Alternatives

Finding relief for excessive amounts of debt is a much-needed and desperately sought action for many debtors in the Phoenix area. When a person seeks debt relief, they have several options: Chapter 7 bankruptcy, Chapter 13 bankruptcy, or an alternative to bankruptcy.

Discharging Your Debt: A Fresh Financial Start

If you have accumulated a large amount of debt over the years and you are looking to discharge this debt, immediately call an experienced bankruptcy attorney at our office. You may qualify for Chapter 7 or Chapter 13 bankruptcy, which can prove to be a very beneficial move for your financial standing.

Protecting Consumer Rights under the Fair Debt Collection Practices Act

Under the Fair Debt Collection Practices Act, or FDCPA, consumers have rights and are protected from abusive actions by debt collectors and creditors.

Foreclosure Defense: Preserving Your Home

Defense against foreclosure proceedings can be extremely complex. There are many different strategies and approaches that a person can take, and without an attorney, many of these would not be possible. To learn more about the defense strategies of foreclosure, call our office today!

Navigating IRS Tax Debts with Experienced Attorneys

Owing money to the IRS is not only frightening but dangerous as well. When the IRS finds that a person has failed to pay their taxes, even by mistake, they often impose criminal consequences. It is against the law to refrain from paying taxes, and if you believe you owe money to the IRS, you will need an experienced bankruptcy attorney’s assistance.

Life After Bankruptcy: Rebuilding Your Financial Future

Rebuilding your life and your credit after filing for bankruptcy can seem like an impossible feat, but with an experienced bankruptcy attorney, you can understand your rights more thoroughly. You can begin repairing your credit immediately, and our team can tell you how!

Repossessions: Protecting Your Assets

When a person owes money to a bank or creditor, such as having a secured debt, the creditor may be able to repossess certain items according to the debts that a person has. For example, if a person has failed to make payments on their car, a dealership may be able to repossess the vehicle.

Tax Debt Settlement: Resolving Tax Issues

When you have a serious tax problem, including owing the IRS money, there is always a legal solution. You have rights and options when it comes to taxes and debts, and a settlement may be beneficial to your financial situation.

Removing Tax Levies and Liens: Securing Your Assets

A tax lien is something that gives the IRS the ability to claim your property if you fail to make payments. Tax levies are similar to tax liens in that the IRS may be able to seize your property if you fail to make the payments that you owe. Removing these liens or levies can be extremely complex, but beneficial when completed.

Wage Garnishment Defense: Protecting Your Income

Wage garnishment is a method used by creditors to collect debt that you owe. When a collector has your wages garnished, they automatically take a certain percentage from your paycheck to go towards the money you owe on your debt.

Experienced Phoenix Bankruptcy Lawyers Providing Legal Counsel

Oswalt Law Group

Before you choose to file for bankruptcy or seek an alternative method, talk to an experienced Phoenix bankruptcy lawyer from our office. We have years of experience and can provide you with the legal counsel you need to file. Our lawyers help clients with Chapter 7 and Chapter 13 bankruptcy matters, in addition to all alternatives to bankruptcy and IRS matters. We serve clients all throughout Phoenix, Tempe, and all other Arizona communities.

For more information or to schedule a consultation with an experienced Phoenix bankruptcy attorney, contact Oswalt Law Group today. Let us help you navigate the path to financial freedom. We proudly serve clients in Phoenix and surrounding communities, including Tempe, Mesa, Scottsdale, Chandler, and more.

For more information, contact a Phoenix bankruptcy attorney at the firm today.

In 2012 the Sandra Oswalt group did not hesitate to assist me with any questions or concerns that I had while awaiting the legal process of my case. And still to this day if I have a question I can call the office and someone will gladly and respectfully assist me with no problem. I have since recommended two of my close friends because I know that without a doubt the will receive the same respectful attention as well. THANK YOU! Sandra Oswalt and Associates!

— D. M.

Oswalt Law Group, P.C. is a debt relief agency that handle my personal debt obligations with professionalism and integrity. The attorneys explained the legal process in great depth and answered all my questions as the case proceeded. I was extremely impressed with their advocacy while representing me. The entire Oswalt Law Group are expedient in returning telephone calls and were always there to advise as we moved through this process together. I would highly recommend Oswalt Law Group to all my family and friends for representation pertaining to this specialized area of law.

— D. G.

Very professional and kind. Regardless of why you are there, they make you feel at home and often use humor to ease the tension. Unlike other law firms, they treat you with the utmost respect and you’re not just another number in the crowd.

They work very hard to earn your trust and I highly recommend Oswalt Law Group to handle your legal needs!!

— Alan Mulkey Sr.

My experience with Oswalt has been nothing but EXCEPTIONAL.. Knowing I have a group of individuals who ACTUALLY care about what happens to their clients is a RARE occurrence. The entire team at OSWALT LAW GROUP turned a horrible time in my life into me having hope for the future. I truly cannot express my GRATITUDE to everyone I encountered with OSWALT law group, EXTRA SPECIAL thanks for not giving up on me. THANK YOU ! THANK YOU ! THANK YOU !

— Monique N

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