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Yavapai County Bankruptcy Law Attorney

Christina Howden

Yavapai County Bankruptcy Attorney

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Attorney at Law Magazine’s Yavapai County Workers' Compensation Local Legal Authority.

Our recommended Prescott, Prescott Valley, Cottonwood, Chino Valley & Camp Verde Bankruptcy Attorney. Christina Howden services every city in Yavapai County!

About Christina Howden

Christina Howden is an associate in our Prescott office where she practices estate planning, bankruptcy and business law. She brings extensive business management experience to her legal perspective in assisting clients on a wide range of matters. Previously Christina served a Law Clerk, Davis Miles McGuire Gardner, in its Tempe, Prescott and, Flagstaff offices and as a Judicial Extern for Honorable John Napper, Yavapai County Superior Court. She also served as a Judicial Extern for Honorable David L. Mackey, Yavapai County Superior Court

In Need of a Bankruptcy Attorney in Yavapai County?

If your financial situation is in crisis mode, you must act quickly to protect your assets and financial interests. Creditors don't waste time when your accounts show signs of default. They submit adverse credit bureau reports that lower your credit score. They transfer your accounts to collection agencies who call your home, job, or business until they get a definitive response. Recovery attorneys secure creditor's judgments through lawsuits. They satisfy court judgments by garnishing your income and placing liens against your home. Economic problems can be stressful, especially when you see no potential for relief. A bankruptcy attorney in Yavapai County can help you navigate the most complex financial problems. They intervene on your behalf to stop collection efforts. They use their legal knowledge and experience to produce financial relief.

A Common Problem

If you're feeling anxious over your financial future, you're not alone. Money management problems occur at all levels of income and economic spectrums. They arise due to uniquely personal issues such as high medical bills, job losses, and divorce. Unexpected expenses and spending indiscretions cause problems as well. It doesn't matter how you reached your credit crisis; you shouldn't try to handle it on your own. A top bankruptcy attorney in Yavapai County will provide the critical legal assistance you need. They listen to your concerns, evaluate your financial issues, and determine if bankruptcy is your best option. After hearing your story and reviewing your personal financial information, your bankruptcy lawyer in Yavapai County might recommend that you attempt debt forgiveness, bill consolidation, or another non-legal option. When bankruptcy is the best alternative, you can trust your Yavapai County bankruptcy lawyer to understand the complex federal code and work with you to comply with the requirements.

United States Bankruptcy Code

The Bankruptcy Code provides protection for both the debtor and the creditor. It protects the debtor by requiring that creditors cease formal and informal collection activities. It protects creditors by forcing debtors to document their assets in writing and during a formal examination. This disclosure allows the court to decide if you have the ability to pay or if you meet the qualifications to discharge your debt. Your bankruptcy attorney in Yavapai County initiates the legal process by filing a petition citing the appropriate chapter.

  • Chapter 7: You receive a complete discharge of your debt. If you have assets, a trustee oversees a liquidation and your creditors receive any cash proceeds.
  • Chapter 11: A debtor (usually a business) works with creditors to establish a plan to reorganize and pay some or all the debt.
  • Chapter 12: Family farmers and fishermen can reorganize their debt and arrange to pay some or all of it to their creditors.
  • Chapter 13: This chapter is sometimes called the "wage-earner" plan. If you have a "regular income," it allows you to establish a repayment plan. To qualify, your debt must meet certain guidelines and you must complete your repayment within three to five years.
  • Chapter 15: Applies to parties involved in foreign court cases.

Bankruptcy is a formal legal process. You must comply with strict rules and guidelines and appear at court-ordered hearings. Yavapai County attorneys work with you to gather the required information and submit necessary documents on your behalf. They help you comply with court requests and prepare your responses. They represent you during hearings and work to provide an outcome that gives you the financial relief you need.

Yavapai County Bankruptcy Attorney

Bankruptcy can seem like a drastic option, but it might be the best option for you. If you're struggling with financial difficulties, consider reaching out to a bankruptcy attorney in Yavapai County who can help you decide. Most bankruptcy attorneys offer a complimentary consultation. You discuss your financial issues and decide the best solutions for your personal and financial circumstances in Yavapai County.

Schedule an

Reach out today to schedule an appointment to discuss your legal needs and the availability of Christina Howden to handle your matter.

Call Now (928) 395-9670

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What Clients in Yavapai County are Saying About Christina

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Call Now (928) 395-9670