Top-rated Bankruptcy Lawyer

Picking the Right Debt Resolution Plan for You

Arizona bankruptcy attorney, Frederick C. Thomas will help you end the harassment of debt collectors and make the right decisions when it comes to bankruptcy or debt negotiation.

Finding a Bankruptcy Lawyer That Can Help You

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Financial Hardship Comes in Many Shapes and Sizes.

See what actual clients are saying about Thomas Law

Kaleb Grau

27 Reviews

June 2020

Fred helped me through a tough time in my life, dealing with my first legal action situation was daunting but he made everything very simple along with communicating and being understanding. I highly recommend

his services to anyone in need.

Kailee Linhart

12 Reviews + 32 Photos

February 2022

Thomas Law is the place to go. Fred has taken care of us wonderfully, his effort and time is very much appreciated by us. Highly recommend to any one.

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Bankruptcy Cases Made Simple

Getting Started is Easy

Step 1: Reach Out!

1

It all starts with you ― once you're ready, send us a message or call our office to set up a free bankruptcy consultation.

Step Two: Discuss Your Options

2

Personally speak with a bankruptcy attorney, Fred Thomas & discuss the best financial solutions for your situation.

Step 3: Implement your Plan

3

Thomas Law will handle all legal action and ensure you receive the best legal representation for

Let's Talk: (480) 696-5329

Providing Solutions For

All Types of Bankruptcy Cases

It doesn’t matter why you ended up in this position – we will treat you like a friend or family member with care, kindness, courtesy, respect, professionalism and dedication. We get great satisfaction in guiding our clients through this process to a result that will dramatically improve their life and their financial position.

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Get In Touch

Speak With a Bankruptcy Lawyer That Can Help You With Your Financial Hardship

Contact the

Top-rated Bankruptcy Lawyer

in Arizona

Schedule an Appointment Directly:

14555 N Scottsdale Rd #320 Scottsdale, AZ 85254

Call Now: (480) 696-5329

Our Office Hours:

Mon-Fri:

9 AM – 5 PM

Weekends:

Closed

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Schedule Your Consultation

We know you're in need of help, so bankruptcy consultations are free.

Schedule Your Consultation

We know you're in need of help, so bankruptcy consultations are free.

Bankruptcy Chapter 7 Liquidation

Chapter 7 is the form of bankruptcy that is most commonly filed for in the United States. Individuals or businesses may file for Chapter 7 if the debts they owe to their creditors become unmanageable. Filing for Chapter 7 allows you to keep some property that is considered exempt to the liquidation of assets, such as a real estate mortgage. A Chapter 7 bankruptcy will remain on your credit report for 10 years after filing. The negative effect of this blemish on your credit report may be preferable, however, to the effect not paying your current bills is having, as filing for Chapter 7 will remove the unpaid debts from your credit report.

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Let's Talk: (480) 696-5329

Bankruptcy Chapter 13 Repayment

Chapter 13 allows you to retain your assets provided your debtors accept your plan to pay them within 3 to 5 years. This will allow you to stop foreclosures, eliminate your debts after a period of time, and end collection efforts by third-party collection agencies. To file for Chapter 13, you do need to have the financial ability to follow the payment plan you have outlined. Chapter 13 filing does remain on your credit report for 10 years, but allows for the discharging of a wider array of debts than allowed under Chapter 7. Our firm employs some of the best bankruptcy attorneys in Phoenix, and can aid in any type of bankruptcy filing, including Chapter 13 and 7.

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Let's Talk: (480) 696-5329

Exemption Planning

For some law firms, the filing of bankruptcy is the first step in their representation of a client. For us, a bankruptcy filing is a small and calculated part of a greater debt resolution plan. State law specifically identifies assets that are beyond the reach of creditors and it is not uncommon for us to find that clients have not maximized the value of their assets in these protected categories. Prior to entering into any debt resolution plan, our attorneys analyze our clients’ assets and advise which assets are protected, which are not, and which could be moved to maximize their protected status. For some clients, this step could involve only minor changes while for others, the changes could be extensive resulting in significant asset preservation as part of the client’s debt resolution plan. In certain circumstances, proper exemption planning may be all that is required to adequately protect a client’s interests from their creditors.

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Let's Talk: (480) 696-5329

Debt Negotiation & Settlement

Debt Negotiation is an alternative to filing for bankruptcy. In this scenario, you and your creditors will agree on a reduced amount that can be paid to settle your debt. Debt negotiation can help you to avoid the credit stigma associated with filing for bankruptcy. While approaching your creditors to settle a debt can be daunting, a lawyer can act as your representative and do all the negotiating for you.

A high debt burden can be a stress on your mental health as well as your financial status. Let us help you move toward financial freedom!

Schedule Your FREE Consultation

Let's Talk: (480) 696-5329

Schedule Your Consultation

We know you're in need of help, so bankruptcy consultations are free.

Schedule Your Consultation

We know you're in need of help, so bankruptcy consultations are free.

Thank You!