Chapter 7 Bankruptcy

Find Relief. Find Peace. Find Your Fresh Start.

Introduction

When debt becomes overwhelming — garnishments, collectors, repossession threats, or payments you simply cannot afford — Chapter 7 bankruptcy can provide the relief you need. I help good people get out of financial bondage and regain their peace, dignity, and stability.

Whether you're a senior living on Social Security, a working parent stretched too thin, or someone facing wage garnishment, you don’t have to carry this alone.

The Faith-Based Perspective

In Deuteronomy 15:1–2, God commands the release of debt every seven years. I believe this was meant to free His children from bondage — not to shame them. Debt can feel like a prison, but you were not created to live in fear or guilt.

Bankruptcy is a legal tool created for your protection. It is not failure — it is freedom.

What Chapter 7 Can Do for You

What Chapter 7 Stops Immediately

• Wage garnishment

• Collection calls

• Bank levies

• Repossession attempts

• Lawsuits and judgments

What Chapter 7 Can Eliminate

• Credit card debt

• Medical bills

• Old utility bills

• Deficiency balances

• Personal loans

• Registration car loans

What You Can Keep

Most clients keep everything they own because their property is protected by exemptions.

Arizona Exemptions Explained Simply

Arizona law protects your property. Most of my clients lose nothing.

Here are the basics:

• Vehicle: Up to $16,000 equity per person
  (Married couples may protect two vehicles)

• Home: Up to $400,000 equity in your primary residence

• Personal property: Clothing, furniture, appliances, personal items

• Pension & Social Security: 100% protected

If you’re not sure whether your property is protected, I’ll go over everything with you clearly and confidentially.