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Office: 623-777-4761 OR 602-325-3670

Chapter 7 BankruptcyBankruptcy in Phoenix

What is chapter 7 bankruptcy?  Bankruptcy Chapter 7 is sometimes called a straight bankruptcy or liquidation bankruptcy. Chapter 7 bankruptcy’s intent is to give the debtor a relatively quick "fresh start.” The debtor turns over all non-exempt property to the bankruptcy trustee who then converts it to cash for distribution to the creditors. Most debts are dischargeable and the debtor usually receives a discharge in less than six months. In the vast majority of cases, the debtor’s assets are protected by state law exemptions, and are therefore out of the bankruptcy trustee’s reach. Chapter 13 Bankruptcy is known as a reorganization bankruptcy and differs from Chapter 7 since there is no re-payment plan in Chapter 7.

Bad Things Happen to

Good People

The last ten years have been very tumultuous for everyone.

Jim Gaudiosi - Attorney at Law can help you find the answers and the solutions you are looking for:


What is Bankruptcy?


How to file for bankruptcy?


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Estate Planning 

The Jim Gaudiosi Attorney At Law Office has qualified estate planning professionals who will listen to you and craft a plan that works for you, your family, your decedents and your business. 

Personal Injury 

Personal Injury claims involve complex laws and rules.  Insurance companies will do everything they can to pay as little as possible and you may need a lawyer to settle your claim or move it to the next step if necessary. In addition, the severity of your injuries may require additional compensation. Jim Gaudiosi, Attorney at Law will know how to handle your case.  Make sure you don’t allow yourself to be injured twice from the same accident, call us today to preserve your claim and get what you deserve.

                                                                                      

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Chapter 13 Bankruptcy

What is chapter 13 bankruptcy? Chapter 13 Bankruptcy is for individuals who want to pay off their debts over a period of three to five years and do not qualify for Chapter 7. This type of bankruptcy appeals to individuals who have non-exempt property that they want to keep. It is also only an option for individuals who have predictable income and whose income is sufficient to pay their reasonable expenses with some amount left over to pay toward their debts. In many cases, a percentage of the debt is discharged after the reorganization is complete. Both Chapter 7 and 13 bankruptcy muzzles bill collectors and eliminates some or all of your credit card and unsecured debt. Filing bankruptcy stops a home foreclosure, car repossession and creditor harassment.

Chapter 11 Bankruptcy

Chapter 11 Bankruptcy is a form of bankruptcy that involves a reorganization of a debtor's business affairs and assets. It is generally filed by corporations, which require time to restructure their debts. Chapter 11 gives the debtor a fresh start, subject to the debtor's fulfillment of its obligations under its plan of reorganization. Chapter 11 may also be an option for those non-business debtors who do not qualify for Chapter 13.

Experienced and Dedicated

Jim Gaudiosi is a licensed bankruptcy attorney in the state of Arizona.  Attorney, Jim Gaudiosi, will meet personally with each client and offer a free initial consultation and assistance with asset protection, stopping foreclosures, wage garnishment removal, and tax relief (both IRS and state tax). Our customized fees are set for your specific situation and are traditionally the most affordable in the state by any dedicated personal firm. We can start representing you for little money down and we offer both evening and weekend appointments. We provide legal services to people who are faced with harassment by abusive bill collectors, overwhelmed by credit card payments and medical debts, or faced with repossession and foreclosure. Bankruptcy Attorney, Jim Gaudiosi, is a dedicated Bankruptcy Chapter 7 and Chapter 13 lawyer who will meet with you and discuss a plan to bring you some much needed relief.

Get a Fresh Start

Let Jim Gaudiosi - Attorney at Law help you get the "Fresh Start" you deserve.


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Jim Understands

Here at Jim Gaudiosi - Attorney at Law, we understand that the legal system can intimidate and overwhelm anyone – we're here to help find the answers and create the solutions you need.


Don't let yourself get buried in details. Contact Jim Gaudiosi instead.