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The Arizona Law Firm You Know And Trust

Let the Oswalt Law Groups experienced, tenacious attorneys help you get the results you deserve. From bankruptcy 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?

Oswalt attorneys have gained the reputation of serving clients exclusively with a hands-on approach and solving a variety of case types. 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 Lawyer

Assisting Clients with Chapter 7 & Chapter 13 Bankruptcy

Each and every day, many people across the state of Arizona find themselves in a difficult situation regarding their finances and taxes. While the same solution will not apply to every individual case, bankruptcy is often a useful tool used by many debtors in the Phoenix, Arizona area, and throughout the rest of the state. Many people believe that only irresponsible people file for bankruptcy, this notion is untrue; in fact, many people around you may have already filed their bankruptcy petitions. Filing for bankruptcy is a smart decision for many, but there are also alternatives available for those who are able to avoid bankruptcy.

At Oswalt Law Group, the legal team can help you understand your rights and the options you have when facing overwhelming amounts of debt. A Phoenix bankruptcy attorney can assist you with filing for bankruptcy or with defense against the IRS.

The Bankruptcy Process

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

Chapter 7

Chapter 7 bankruptcy, also known as the 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

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 bankruptcy or who wish to keep a bankrupt status off of their financial record, they may choose from several other options that are available to them.

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 are considering bankruptcy as a method of debt relief, do not hesitate to seek professional and legal advice.

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 financially recovery after filing bankruptcy once their debts are paid off.

Collections Defense

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 a bankruptcy lawyer can help protect you from abusive collectors!

Debt Relief

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, Chapter 13, or an alternative to bankruptcy.

Discharging Your Debt

If you have accumulated a large amount of debt over the years and you are looking to discharge this debt, immediately call a bankruptcy lawyer 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.

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

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!

IRS Tax Debts

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 attorney’s assistance.

Life After Bankruptcy

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


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

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.

Tax Levies / Liens

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

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.

Bankruptcy & Tax Attorney in Phoenix, AZ

Before you choose to file for bankruptcy or seek an alternative method, talk to a Phoenix bankruptcy lawyer from our office. We have years of experience and can provide you with the legal advocacy 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, 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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