Yavapai County Bankruptcy Lawyer

Christina Howden

Yavapai County Bankruptcy Attorney

Attorney at Law Magazine’s Yavapai County Bankruptcy Local Legal Authority.

Christina Howden

Yavapai County Bankruptcy Attorney

Yavapai County Bankruptcy Lawyer

Attorney at Law Magazine’s Yavapai County Bankruptcy Local Legal Authority.

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

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In Need Of A Yavapai County Bankruptcy Attorney?

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. Yavapai County 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. Yavapai County Bankruptcy attorneys 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.

Bankruptcy attorneys in Yavapai County 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 attorney 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 attorney 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 attorney 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. 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 Attorneys 

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

Schedule an
Appointment

Reach out today to schedule an appointment to discuss your legal needs and their availability to handle your matter.

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Local Legal Authority

Contributor to Magazine

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Practice Law for 5+ Years

The attorney must have been licensed to practice law for at least five years and must have maintained an active practice.

What clients in Yavapai County are saying about
Christina Howden

Davis Miles McGuire Gardner, PLLC
4.4
Based on 116 reviews
Mr. Weech and his entire team were a great help from beginning to end. This case was long and drawn out due to no response from the other side but they kept trying to get a response from them all along keeping us up to date. We were very please with everything. We won our case and will highly recommend Mr. Weech to anyone who asks. Thanks again !
Laurie Lacks
Laurie Lacks
19:31 03 Dec 20
Mr. Bradley Weech Was not my attorney. But was the attorney of a co-defendant in the case I was in.His remarkable attention to detail of the specifics in the case what is the key factor in the arbitrator’s decision. I represented myself and Bradley was very professional in not giving me information but helping my find what I needed. This is an actual act of kindness as I am not a paying client. This is professionalism at is finest and should be noted. If anyone needs someone who has every inch of your back, this is your attorney !!
katie furfaro
katie furfaro
01:49 17 Nov 20
I previously had four completely different inquiries over the phone and Davis Miles McGuire Gardner were superior on getting me the information I needed for each case. Then when I needed to schedule my in office appointment, for a different ongoing case they were very efficient with scheduling and had superb customer service! Once in their office from the front desk staff to meeting with Mr. Hunt, my experience was stunning! All my questions were answered and I felt comfortable and reassured after my conversation with Mr. Hunt.
MEL Torres
MEL Torres
23:48 27 Oct 20
I have to say Davis Miles McGuire Gardner Law Offices are very professional, from the moment when I first met with Mr. Gardner I felt I was in the right hands. The ladies in the office Stacey, Neita & Lucy are very professional and courteous. I felt so comfortable in speaking to them and had my questions answered. As far as both attorneys Alexandria Anemone & Brittany Skinner they handled my case with the outmost care. They knew exactly what to say and ask and during the whole process reassuring me that everything will be alright. If you find yourself in need of an Law Firm I strongly recommend Davis Miles McGuire Gardner their are an A+ in my book. Greatly appreciate your service.
Jesus Betance
Jesus Betance
19:40 26 Oct 20

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Christina Howden

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Bankruptcy Attorney

Yavapai County Bankruptcy Lawyer

Christina Howden

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(928) 395-9670

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201 N Montezuma St. Prescott, Arizona 86301

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