Bankruptcy & Short Sale

Trusted Guidance In Difficult Financial Situations
Phoenix Attorneys for Bankruptcy and Short Sales

As the recession continues, it seems that fewer people are safe from financial difficulty. People who have lived comfortably for years have suddenly lost their jobs, their income and their equity as home prices have plummeted. If you have fallen on hard times — and debt has become unmanageable — it is time to seek the assistance of an experienced debt relief attorney.

At Rosser Law Group, PLLC, we assist and advise people in Phoenix and throughout Arizona in finding solutions to unmanageable debt. If debt is a problem, we can help you solve it. Contact us to consult with one of our experienced attorneys.

Bankruptcy

If servicing your debt is no longer possible, bankruptcy could be your best option to avoid home foreclosure, stop lawsuits, and eliminate credit card and other unsecured debt. We will analyze your financial situation and advise you on the following bankruptcy options:

  • Chapter 7 bankruptcy: In a Chapter 7 bankruptcy, you are liquidating your assets to eliminate most unsecured debt. In many cases, homes can be made exempt from this process. In all cases, a large portion of your retirement funds are generally exempt. We will help you determine whether a Chapter 7 bankruptcy is right for you.
  • Chapter 13 bankruptcy: A Chapter 13 bankruptcy is a restructuring of debt. You keep all of your assets and set up a more manageable debt repayment plan with a bankruptcy trustee. A Chapter 13 bankruptcy is designed for people who have a higher steady income, do not qualify for Chapter 7, and want to keep secured assets such as homes and vehicles.

Our firm is not a “bankruptcy mill.” We will not pressure you into bankruptcy, but instead will advise you on all debt relief options available to you.

Short Sales

If you need to sell your home, but its value has fallen significantly below that of your mortgage, we can help protect you from a mortgage deficiency through short sale negotiations. Because it allows you to avoid foreclosure, a short sale can often benefit both you and your bank. With years of experience with short sales, we can advise you on whether this debt relief option is right for you.

Schedule a Meeting

To meet with one of our experienced lawyers to discuss your debt relief options, call 623-434-7100 or contact us online.