Best Bankruptcy Lawyers in Chandler, AZ

Yes! Experts actually recommend that you do get a new credit line to begin rebuilding your credit. There may be limits on what you are eligible for, and you will likely need to start with a secured card, but making timely and consistent payments will have a positive impact on your credit score. It is best to start with a small credit limit, and make just 1-2 purchases each month.

No, you do not have to file together. It is important to keep in mind that Arizona is a community property state, meaning that any debt incurred since your marriage day is considered community debt. Being eligible to file bankruptcy is based off household income, so the income of your non-filing spouse is included and could affect your chances of qualifying. Consult with your bankruptcy attorney to determine the best course of action for your situation.

Yes. You will actually need to take two separate credit counseling courses. The first class offers education about alternatives to filing bankruptcy, and is usually about 60 minutes long. The second class offers information about budgeting and rebuilding your finances after declaring bankruptcy.

Your certificate will be good for 6 months from the date of completion. However, you will be required to retake the course if you have not filed within 180 days of taking it.

While it may be helpful to have one, it is not necessary. Most experienced attorneys are able to quickly pull up a current credit report for you, but keep in mind that not all debts will be listed on the report. If you carry outstanding medical debt or pay day loans, they are not reported to the credit bureau unless they are in collections. It will be to your benefit to give that information to your attorney for the complete picture.