https://youtu.be/nZQ5-zau_nQ The Arizona Bankruptcy Courts adopted a new program in early 2017 known as the Mortgage Mediation Modification Program (“The MMM”). The pilot program first
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Know your options when it comes to debt resolution.
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We have offices located in Glendale and Scottsdale, Arizona.
20325 N. 51st Ave., Ste. 134
Glendale, Arizona 85308
7047 E. Greenway Pkwy Suite 250
Scottsdale, AZ 85254
FEDERAL LAW allows you to…
- Stop creditor harassment
- Save your home – Mortgage Modification Options
- Stop foreclosure
- Stop wage garnishments
- Wipe out debt
- Remove Unpaid Debts from Credit Reports
- Lower vehicle payments – Lower Interest Rate, More Time to Pay
- Eliminate older tax debt and ALL Penalties
- 5-year payment plans on child support arrears
WE CAN HELP YOU
Attoney Mark Wesbrooks
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Arizona Mortgage Modification Mediation program in Arizona.
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The history of bankruptcy and paying off your debts.
The Fair Debt Collections Practices Act (FDCPA):
Approved on September 20th, 1977 is a consumer protection amendment that establishes legal protection from abusive debt collection practices called the Fair Debt Collections Practices Act.
The purpose of the FDCPA is to eliminate those abusive practices in the collection of consumer debts and to promote instead a fair debt collection. It also provides consumers a way for disputing and obtaining information about your debt to ensure that the debt being collected is in fact a debt of yours. In short, this Act has created guidelines in which debt collectors may conduct their business, it defines the rights of you (as a consumer) and lays out penalties and resolutions for violations of the Fair Debt Collections Practices Act.
- Hours for contacting you by phone: The debt collectors may not call outside of the hours of 8:00 am to 9:00 pm your local time
- Failure to end communication after a request has been made: Debt collectors may not communicate with you in any other way short of litigation after receiving written notice that you no longer want to communicate with them. Note: There are certain exceptions to this part of the rule; including advising collection efforts are being terminated or that the debt collector is intending to file a lawsuit against you for the debt.
- Multiple telephone calls, rings or trying to engage a person in a conversation repeatedly or continually: This rule is pretty straight forward, but they shouldn’t annoy, abuse, harass or anything else within this rule when the debt collector tries to call you on your telephone. Continue reading…
The Debt Relief Playbook
Debt Relief without Paying – A powerful how-to guide to arm Americans with everything needed to oppose creditors, collectors, and their attorneys.
Learn how to properly handle any court judgments, seizure of assets, invaded bank accounts, and garnished pay checks. The author, who is a Board Certified Attorney in Creditors’ Rights Law effectively explains legal protections, strategies, and procedures in easy to understand terms.
Author, Lawyer, Bankruptcy and Debt Negotiation professional Mark Wesbrooks has released a new book on how to deal with your creditors and what it takes to get out from underneath your debt.
Find The Debt Relief Playbook at:
We handle all types of Bankruptcy and Debt Negotiation cases!
We offer affordable payment options for any debt matter or chapter of Bankruptcy you qualify for!
Do you have Debt or Bankruptcy questions? Do you need to know what are the minimum requirements for bankruptcy or should you even declare bankruptcy? Do you have other questions about your debt and how you can finally get ahead?
Call us at (602) 262-4357 or schedule a FREE consultation today!
For over 20+ years, we’ve handled all types of Debt & Bankruptcy cases in Arizona whether its consumer or business Chapter 7, Chapter 11, Chapter 13 or Debt Negotiation. The great and most important part is that we are board certified attorneys and specialize in creditors rights law by the American Board of Certification. That means we know the law and are certified to handle any type of Bankruptcy or debt matter!
Do you want to stop garnishments, foreclosures and help wiping out your debt? If you answered yes, than you are looking for experienced Chapter 7 Bankruptcy Attorneys to help you.
Wipe Out Debt
REPAYMENT OF DEBTS
Do you want to stop garnishments, home foreclosures and help with restructuring your debt? If you answered yes, than you are looking for experienced Chapter 13 Bankruptcy Attorneys to help you through these tough times.
Wipe out Unsecured Debts AND Lower Payments on What Needs to be Paid Off
Chapter 13 Bankruptcy does TWO things: Chapter 13 allows you to discharge (eliminate) unsecured debts you can’t afford to pay, in addition to restructuring those debts you need to pay off (automobiles, secured debts on jewelry or furniture) and those debts you simply can’t get rid of (taxes due less than 3 years ago) to more affordable payments. Chapter 13 allows up to 5-years payment plans with ZERO interest and ZERO penalties accruing while paying taxes off. Chapter 13 allows complete restructuring vehicle loans (lower price to book value, remove negative equity caused by “upside down” vehicle trade-ins, with new payment over 5 years with lower interest rates (presently 6%). Chapter 13 gives you an automatic deferment on any student loans regardless of income. With Chapter 13, those debts that you can’t afford to pay (credit cards, medical bills and unsecured debts) are wiped away, while those things that must be paid off are restructured to more affordable payments (lower interest and more time to pay). Chapter 13 Bankruptcy is also available to individuals who own and operate a small businesses. The idea is that eliminating those debts we can get rid of, while lowering payments on the things we need to pay off means the paycheck is there for the family. Read More
WE CAN HELP
One of the most important things about Debt Negotiation and Settlements is to understand that you must want to be willing to make a change in your lifestyle, your spending habits, consider ways of debt management and possibly consolidate bills if necessary.
The Best Negotiators
The Wesbrooks Law Firm, PLLC has the experience to assist in both areas including education and debt negotiation. Whether you are searching for an affordable attorney to help you with a debt review, debt settlements, debt negotiations or debt relief options we may be able to help. Read More
In Arizona, Bankruptcy laws can assist you in your time of financial crisis. It is possible to work towards a great credit score even after filing for Bankruptcy and with our help you can achieve those goals! You can be financially successful with the option of Bankruptcy or Debt Negotiation and our law firm assists both types of clients. Our board certified Bankruptcy lawyers have helped literally thousands of people just like you to turn their lives around. We can offer you or your family a fresh start.
BUSINESS PROBLEMS?Chapter 11 Bankruptcy is available to individuals who own and operate a small business and only individuals may file for Chapter 11 Bankruptcy. This type of filing would be most popular for business operating via a LLC or INC and would be best known through the media from GM or United Airlines Chapter 11 Bankruptcy filing. Unlike Chapter 13 Bankruptcy, Chapter 11 typically has a higher debt ceiling.
We Work For Business Owners
Chapter 11 Bankruptcy is typically a great way to continue to keep your assets through your organization period. This option of Chapter 11 Bankruptcy is typically for a small business owner who may owe too much money to meet the Chapter 13 Bankruptcy filing.
To file Bankruptcy in Arizona:
You must be an Arizona resident and have resided in Arizona for at least 90 days from the filing. If you have just moved to Arizona than your case cannot be filed until you have been in Arizona for 90 days. Once the 90 day mark has been reached we can start on your Bankruptcy case immediately, however before that time we can still help guide you in what may be best for you or your family.
We’ll then establish your financial means with what’s called a “Means Test”. The Means Test helps to determine what is the best specific to your bankruptcy needs as mandated by the Federal Government.
No matter what type of Chapter 7, Chapter 11 or Chapter 13 Bankruptcy you need, we offer affordable payment plans to suite your needs. Schedule your FREE consultation with us today to set up an office or phone appointment. Call us now at (602) 262-4357. If you would like to come into our office for a FREE consultation, we have two convenient locations in the valley, one in Scottsdale and the other in Peoria, Arizona. You can talk with one of our actual Board Certified Bankruptcy attorneys today so that you can start planning for your future tomorrow! Our experienced lawyers will help stop your creditors from harassing you. Remember, we have two offices one in Peoria and the other in Scottsdale, Arizona to better serve you when you need it the most.
After we’ve discussed your specific Bankruptcy case we will then agree on fee’s and after making your first payment, The Wesbrooks Law Firm, PLLC will accept all of your harassing creditor phone calls on your behalf. You may tell your creditors to call your attorney at The Wesbrooks Law Firm, PLLC. Representation will commence when the fee agreement has been signed and accepted by your attorney.
Want to know more about Bankruptcy? Read our bankruptcy articles today!