{"id":4531,"date":"2022-11-11T06:09:36","date_gmt":"2022-11-11T06:09:36","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=4531"},"modified":"2022-12-16T06:22:18","modified_gmt":"2022-12-16T06:22:18","slug":"should-i-file-bankruptcy-now-or-wait","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/","title":{"rendered":"Should I File Bankruptcy Now or Wait?"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Phoenix_Bankruptcy_Lawyer\"><\/span><span style=\"font-weight: 400;\">Phoenix Bankruptcy Lawyer<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-662d1a9d0db00\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-662d1a9d0db00\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#Phoenix_Bankruptcy_Lawyer\" title=\"Phoenix Bankruptcy Lawyer\">Phoenix Bankruptcy Lawyer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#Should_I_File_Bankruptcy_Now_or_Wait\" title=\"Should I File Bankruptcy Now or Wait?\">Should I File Bankruptcy Now or Wait?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#When_is_it_Beneficial_to_Delay_Filing_Bankruptcy_in_Arizona\" title=\"When is it Beneficial to Delay Filing Bankruptcy in Arizona?\">When is it Beneficial to Delay Filing Bankruptcy in Arizona?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#When_You_Have_the_Opportunity_to_Make_Modifications_Your_Mortgage\" title=\"When You Have the Opportunity to Make Modifications Your Mortgage\">When You Have the Opportunity to Make Modifications Your Mortgage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#If_your_Most_Recent_Income_was_High\" title=\"If your Most Recent Income was High\">If your Most Recent Income was High<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#When_You_Own_Arizona_Property_That_You_Do_Not_Want_to_Lose\" title=\"When You Own Arizona Property That You Do Not Want to Lose\">When You Own Arizona Property That You Do Not Want to Lose<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#If_You_Expect_to_Have_More_Debts_Soon\" title=\"If You Expect to Have More Debts Soon\">If You Expect to Have More Debts Soon<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#I_Transferred_Property_to_Someone_Should_I_File_Bankruptcy_Now_or_Wait\" title=\"I Transferred Property to Someone. Should I File Bankruptcy Now or Wait?\">I Transferred Property to Someone. Should I File Bankruptcy Now or Wait?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#The_Trustees_Ability_to_Reverse_the_Transfer_of_Property_is_Heavily_Dependent_on_Several_Factors\" title=\"The Trustee&#8217;s Ability to Reverse the Transfer of Property is Heavily Dependent on Several Factors:\">The Trustee&#8217;s Ability to Reverse the Transfer of Property is Heavily Dependent on Several Factors:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#Arizona_Property_can_be_Sold_to_Pay_Bills\" title=\"Arizona Property can be Sold to Pay Bills\">Arizona Property can be Sold to Pay Bills<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#Property_Transfers_can_be_Reversed_by_the_Trustee_in_Bankruptcy\" title=\"Property Transfers can be Reversed by the Trustee in Bankruptcy\">Property Transfers can be Reversed by the Trustee in Bankruptcy<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#Postponing_a_Bankruptcy_in_Order_to_Protect_a_Property_Transfer\" title=\"Postponing a Bankruptcy in Order to Protect a Property Transfer\">Postponing a Bankruptcy in Order to Protect a Property Transfer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/should-i-file-bankruptcy-now-or-wait\/#Affordable_Bankruptcy_Attorney_in_Phoenix_Arizona\" title=\"Affordable Bankruptcy Attorney in Phoenix, Arizona\">Affordable Bankruptcy Attorney in Phoenix, Arizona<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">If you have huge debts that you are unable to repay, are behind on your mortgage payments and at risk of foreclosure, are being hounded by bill collectors, or all of the above, declaring bankruptcy may be your best option. Or it may not be. But you&#8217;re wondering, &#8220;Should I file bankruptcy now or wait?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The timing of a bankruptcy filing can have a massive impact on your future and should be approached with caution and deliberation. Before making such a decision, it is wise to consult with a Phoenix bankruptcy attorney.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do you live in Phoenix, Arizona, and think about filing for bankruptcy? Then naturally you have some questions. Please contact Phoenix Fresh Start Bankruptcy Attorneys immediately to schedule a free, no-obligation, stress-free financial analysis with one of our <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">consultation attorneys<\/span><\/a><span style=\"font-weight: 400;\">. We&#8217;ll take the time to answer your questions and go through your options. It will not cost you anything, but the benefits of debt relief will be priceless.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Should_I_File_Bankruptcy_Now_or_Wait\"><\/span><span style=\"font-weight: 400;\">Should I File Bankruptcy Now or Wait?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"alignright wp-image-4533 size-full\" title=\"should I file bankruptcy now or wait\" src=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/11\/should-I-file-bankruptcy-now-or-wait.webp\" alt=\"should I file bankruptcy now or wait\" width=\"400\" height=\"300\" srcset=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/11\/should-I-file-bankruptcy-now-or-wait-200x150.webp 200w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/11\/should-I-file-bankruptcy-now-or-wait-300x225.webp 300w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/11\/should-I-file-bankruptcy-now-or-wait.webp 400w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/> In certain cases, delaying filing for Chapter 7 or Chapter 13 bankruptcy in Arizona makes perfect sense. Filing for bankruptcy too soon might result in the loss of property you would otherwise be allowed to retain or force you to apply for Chapter 13 rather than Chapter 7.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In other instances, you may be able to avoid bankruptcy by dealing with your debt in other ways. Continue reading this article to learn more about numerous instances in which it may be beneficial to delay bankruptcy.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_is_it_Beneficial_to_Delay_Filing_Bankruptcy_in_Arizona\"><\/span><span style=\"font-weight: 400;\">When is it Beneficial to Delay Filing Bankruptcy in Arizona?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"When_You_Have_the_Opportunity_to_Make_Modifications_Your_Mortgage\"><\/span><span style=\"font-weight: 400;\">When You Have the Opportunity to Make Modifications Your Mortgage<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many people nowadays file for bankruptcy in order to delay a foreclosure. While bankruptcy might be a sensible option, in this case, many people file for bankruptcy much too soon, making it more difficult to secure a mortgage modification. Many lenders may refuse to participate in or continue mortgage talks if you file for bankruptcy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because your bankruptcy will eliminate the promissory note portion of your mortgage (although not your house lien), nothing will be left to negotiate. If you think you will want to modify your mortgage someday, you should probably avoid bankruptcy, at the very least until after you know how the mortgage modification market is doing.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"If_your_Most_Recent_Income_was_High\"><\/span><span style=\"font-weight: 400;\">If your Most Recent Income was High<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Arizona bankruptcy court will use what is known as the &#8220;means test&#8221; to establish your eligibility when you file for Chapter 7 bankruptcy by looking at your income from the previous 6 months. If you have a significant income, you may only file for Chapter 13 bankruptcy, which compels you to pay a percentage of your debts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your salary has suddenly dropped due to a wage reduction or layoff, you may be able to qualify for Chapter 7 by just waiting a couple of months. After several months of lower income are included in the means test, your income average from the previous 6 months might be small enough to qualify.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Suppose your typical gross income over the past 6 months was $8,000 each month, but you were recently laid off and now currently receive $1,500 every month from unemployment. If you wait 2 months before filing, your 6 months average gross income will fall from $8,000 to below $5,900 a month, placing you in Chapter 7 bankruptcy eligibility through the majority of states.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_You_Own_Arizona_Property_That_You_Do_Not_Want_to_Lose\"><\/span><span style=\"font-weight: 400;\">When You Own Arizona Property That You Do Not Want to Lose<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You may own property that you do not want to lose under a Chapter 7 bankruptcy if you decide to file now, but can retain it if you wait \u2014 or have time for selling and using the proceeds. As an example:<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Tax Refunds<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Assuming you are receiving a $4,000 tax refund. If you receive it after filing, you must give it over to the trustee in bankruptcy. But if you receive your tax refund first, spend it on necessities over a couple of months, then file bankruptcy, you would get the full value of the refund.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Property that Exceeds the Exemption Maximum\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Assuming you own assets worth more than what you may be able to retain in bankruptcy due to &#8220;property exemptions.&#8221; Waiting a few months to file may decrease the property&#8217;s value low enough to qualify for a property exemption.\u00a0\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Non-exempt Assets<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Assuming you own non-exempt assets means the bankruptcy trustee may seize and sell your properties to pay your creditors. (Things besides your home, vehicle, household items, clothes, and other essentials are often nonexempt.)\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Should you sell your property at its fair market price before declaring bankruptcy and then use the proceeds on essentials, you will be the one to benefit from the property instead of your creditors. (Alternatively, you may be allowed to use the funds to purchase property that is exempt from being auctioned in bankruptcy, like a burial site or a car, but consult with a lawyer first, since this might put you in hot water in certain cases.)<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"If_You_Expect_to_Have_More_Debts_Soon\"><\/span><span style=\"font-weight: 400;\">If You Expect to Have More Debts Soon<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you anticipate any big expenses in the foreseeable future, you should postpone bankruptcy filing. In general, Chapter 7 only discharges debts owed as of the date of filing. Debts that arise afterward will be your responsibility to pay, often for years. For instance, if you are scheduled to undergo a knee replacement procedure within the coming year and must pay part or all of the costs, these expenses will then be wiped away if you file for bankruptcy under Chapter 7 after your knee operation.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"I_Transferred_Property_to_Someone_Should_I_File_Bankruptcy_Now_or_Wait\"><\/span><span style=\"font-weight: 400;\">I Transferred Property to Someone. Should I File Bankruptcy Now or Wait?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It all depends. There are legitimate grounds for transferring property prior to filing for bankruptcy in Arizona. However, if you transfer property away from your name before filing bankruptcy, the trustee may be able to undo the transfer and reclaim the property to benefit of your creditors.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Trustees_Ability_to_Reverse_the_Transfer_of_Property_is_Heavily_Dependent_on_Several_Factors\"><\/span><b>The Trustee&#8217;s Ability to Reverse the Transfer of Property is Heavily Dependent on Several Factors:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">if you planned to engage in bankruptcy fraud,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">whether you transferred or sold the property at a price below its fair market value,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">what you bought with the proceeds of the sale,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">when the transfer happened.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Arizona_Property_can_be_Sold_to_Pay_Bills\"><\/span><b>Arizona Property can be Sold to Pay Bills<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Property transfers are not always bad. You may certainly sell a boat, car, guitar, or any other asset you possess to pay necessary expenses, like rent or utility bills, or to purchase food or warm clothing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you intend to declare bankruptcy shortly after that, a problem can usually be avoided by doing the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">sell the property for its market value, and\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">keep records proving that the proceeds were used to acquire essential things<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When filing for bankruptcy, plan to mention the property transfer. You should also bring your documents to the <\/span><a href=\"https:\/\/www.nolo.com\/legal-encyclopedia\/the-meeting-creditors-341-hearing\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">341 meeting of creditors<\/span><\/a><span style=\"font-weight: 400;\"> in order that you can answer any questions from the bankruptcy trustee chosen to manage your case.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Property_Transfers_can_be_Reversed_by_the_Trustee_in_Bankruptcy\"><\/span><b>Property Transfers can be Reversed by the Trustee in Bankruptcy<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Even though the trustee cannot object to your discharge for the reasons stated above, the trustee may be entitled to reclaim an asset that you transferred from your name if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the transfer occurred within 2 years of your filing bankruptcy or during the period provided by state law for setting aside an unlawful transfer, whichever one is longer, and<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">your transfer of property was with the intention of defrauding, delaying or impeding your creditors, or<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">you sold the property for less than its value while you were bankrupt or planned to assume additional debt that you could not afford to repay.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">And if you transferred the property more than a year before filing for bankruptcy, a trustee in a Chapter 7 bankruptcy case might nevertheless take it back, liquidate it (assuming the property isn\u2019t protected by your state&#8217;s exemption legislation), and divide the revenues to your creditors. However, if you transferred an asset without equity or if you can have it exempted in your bankruptcy, the trustee is unlikely to try to prevent the transfer.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Postponing_a_Bankruptcy_in_Order_to_Protect_a_Property_Transfer\"><\/span><span style=\"font-weight: 400;\">Postponing a Bankruptcy in Order to Protect a Property Transfer<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you make a transfer that might result in losing your discharge or enabling the trustee to reclaim your property, postponing your bankruptcy could shield you from these unfavorable repercussions. However, it is not recommended unless such a transfer is necessary to pay for essential products.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep in mind that however long you wait to file, if you meant to conduct bankruptcy fraud, you can be charged with a serious offense, get in a lot of trouble, and face criminal prosecution. If you have transferred property and you are thinking of filing bankruptcy, consult with an experienced bankruptcy attorney.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Affordable_Bankruptcy_Attorney_in_Phoenix_Arizona\"><\/span><span style=\"font-weight: 400;\">Affordable Bankruptcy Attorney in Phoenix, Arizona<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Get out of debt and start living your best life now! Our experienced bankruptcy attorney at Phoenix Fresh Start Bankruptcy Attorneys work with families in Phoenix, Goodyear, Oro Valley, and Tucson, Arizona who are facing repossession, foreclosure, wage garnishment or credit card debt. Our costs for <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-7\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Chapter 7<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-13\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Chapter 13<\/span><\/a><span style=\"font-weight: 400;\"> bankruptcy are affordable. Our payment plan makes it easy to pay your legal advice fees in installments both pre-filing and post-filing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Call us now to schedule a free, no-obligation, stress-free financial analysis!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Phoenix Bankruptcy Lawyer If you have huge debts that you are unable to repay, are behind on your mortgage payments and at risk of foreclosure, are being hounded by bill collectors, or all of the above, declaring bankruptcy may be your best option. Or it may not be. But you&#8217;re wondering, &#8220;Should I file bankruptcy now or wait?&#8221; The timing of a bankruptcy filing can have a massive impact on your future and should be approached with caution and deliberation. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[1472],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/4531"}],"collection":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/comments?post=4531"}],"version-history":[{"count":2,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/4531\/revisions"}],"predecessor-version":[{"id":4535,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/4531\/revisions\/4535"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/4534"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=4531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=4531"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=4531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}