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Arizona Bankruptcy Experts


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A Chapter 13 Bankruptcy is the payment plan option that can span over the course of three to five years.

Best Chapter Law Firm is a boutique law firm that specializes in Chapter 7 and Chapter 13 Bankruptcies, as well as estate planning services. The team has over 20 years of combined experience and we pride ourselves on providing excellent client service to every individual that walks through our door.


Areas of Practice

Chapter 7

A chapter 7 bankruptcy case does not involve the filing of a plan of repayment. Instead, the bankruptcy trustee gathers and sells the debtor's nonexempt assets and uses the proceeds of such assets to pay holders of claims (creditors) in accordance with the provisions of the Bankruptcy Code.

Chapter 13

A chapter 13 bankruptcy is also called a wage earner's plan, enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years.

Estate Planning

Estate planning usually has several objectives and goals, which include: Making sure most of the estate is transferred to your beneficiaries, paying the least amount of taxes on your estate and Assigning guardians for minor children, if any.


Filing for Bankruptcy may be the best option for you in starting a fresh chapter in your life.

There are generally two options for individuals filing for Bankruptcy;

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

A Chapter 7 Bankruptcy allows for the liquidation of certain unsecured debts. Under the Bankruptcy Code, petitioners that file for Bankruptcy are able to keep certain exempt assets. Exempt assets are essentially your protected property that will not be considered part of the Bankruptcy estate. For example, in Arizona, a petitioner is allowed up to $150,000.00 of equity in their home as well as $6,000.00 of equity in their car. Any excess of what is protected becomes property of the Bankruptcy estate used to pay off unsecured creditors.

A Chapter 13 Bankruptcy is the payment plan option that can span over the course of three to five years. A payment plan is created to include all of your monthly bills into one monthly payment to your designated Trustee. The Trustee disperses the funds to all of your secured creditors, and whatever is left goes to pay off unsecured creditors. At the end of your designated plan, the remaining unsecured debts that were not paid through the plan will be discharged.


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