Why do we do Zero Down Bankruptcy Filings? The attorneys and staff at Chapter Bankruptcy Law understand that it is important for everyone to have the opportunity to file for bankruptcy protection. Be it a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. Our Arizona bankruptcy attorneys care about getting you a Fresh Start, therefore, we offer bankruptcy options in which you can declare bankruptcy with no money down.

Additionally, most Arizona bankruptcy firms require you to pay both your bankruptcy filing fee and your attorneys fees up front before they will file your case. Thus, for many people filing bankruptcy in Arizona, finding all this money up front simply isn’t possible, especially if their wages are being garnished. That is why here at Chapter Bankruptcy, our Mesa bankruptcy lawyers have chosen to provide our Chapter 7 clients with the option to file with absolutely nothing down, and pay both the filing fee and attorneys fees in a post-filing payment plan.


Here are some advantages of filing with our $0 down option:

Stop a garnishment

If your wages are being garnished, the garnishment will be stopped once you file. For most clients, the payments for their post-filing payment plan are only a fraction of what their garnishment was taking out of their wages. Plus, the bankruptcy will wipe out all other dischargeable debts that are not being repaid through the garnishment.

Credit reporting

All payments in your post-filing payment plan will be credit reported, allowing your credit score to raise faster over the course of your payment plan.
12 months, 0 interest- You can set your payment plan to be weekly, bi-weekly, or monthly, for up to 12 months. All three options are at 0% interest.

No penalties for early repayment

If you find yourself with extra money at the end of the month now that your debts are discharged, you have the option to pay off the payment plan early with no penalties.

If you need to file bankruptcy but are having difficulties coming up with money to pay an attorney up front, this payment plan option may be the solution you’re looking for. Call our Mesa bankruptcy lawyers today to set up a free consultation. We will make sure you qualify, give you a quote for representation, give payment plan options, and give you valuable information about the bankruptcy process.

Mesa Bankruptcy Office
3707 E Southern Ave
Mesa, AZ 85206

Contact us now!