Chapter 7
If Chapter 7 is unfamiliar, we can talk through the means test and what a first meeting in Phoenix covers.
Learn about Chapter 7Approachable
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Phoenix, Arizona · Bankruptcy law
You don’t have to face this alone.
I’m Alex Morgan, a bankruptcy attorney in Phoenix. If Chapter 7 or Chapter 13 is the question, you can start with a conversation.
Meet your attorney
A real person in your corner.
I’m Alex Morgan, a bankruptcy attorney in Phoenix. People call when Chapter 7 or Chapter 13 is a question, not a decision. I start by listening, then I explain the fee.
Tell me what has been hardest. I’ll explain what a consultation covers, and what it costs, before you decide.
Your options
There is a way forward.
Chapter 13
Often a three-to-five-year repayment plan. I’ll explain what a Phoenix consultation reviews before any payment is discussed.
Learn about Chapter 13Bankruptcy FAQ
Questions you can ask first.
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 is a liquidation case. A trustee reviews property, and many unsecured debts may be discharged if you qualify, including under the means test. Chapter 13 is a repayment plan, usually three to five years, for people with regular income. Which chapter fits depends on income, assets, and debts. A consultation is how Morgan Law looks at those facts. This is general information, not legal advice.
How do I schedule a bankruptcy consultation in Phoenix?
Call Morgan Law during posted hours, or use the contact form to request a time. Ask what the consultation costs, how long it lasts, and which documents to bring. Do not send account numbers, Social Security numbers, or financial records through the website form.
What should I bring to a first bankruptcy meeting?
A written list of questions is enough to start. The firm will say which records to share securely, often a recent pay stub, a list of debts, and notes about property. Wait for those instructions before sending documents.