If you are filing for Chapter 7 Bankruptcy in Arizona, or any other state in the US, you must be sure that all of your paperwork is in order before you file. For example, you need to complete credit counseling with a US trustee approved agency and receive a credit counseling certificate to file with your bankruptcy petition.
If you file your bankruptcy petition before you have this certificate in hand, if the certificate is older than 180 days, or you forget to file the certificate, your bankruptcy may be summarily dismissed. That means that you will lose your filing fee and your debts will not be discharged. And if you attempt to file again within one year after the dismissal, protection from your creditors may be limited to thirty days.
In some cases, you may be eligible for extension to complete counseling after filing. If you attempted to get counseling before filing bankruptcy but were not able to get counseling within the five day window of the request, and there are emergency circumstances that require you to file your bankruptcy immediately, and you file a citation stating the above facts along with your petition you may be granted an extension.  However, the judge will decide what makes for an “emergency” in regard to filing, and if the judge does not agree with you, your case will be dismissed anyway.
In some cases, active combat military personnel or those with physical or mental impairments that would make them unable to complete credit counseling may be granted a waiver by the court.
Your best bet is to get an experienced bankruptcy attorney to walk you through the process. You can see a list of approved Arizona credit counseling agencies by clicking here: United States Trustee approved pre-bankruptcy credit counseling agencies in AZ.
At The Zolman Law, we believe that your life shouldn’t be defined by debt. We have helped hundreds of people just like you find the relief they deserve from harassing bill collectors, paycheck garnishment, foreclosures proceedings, and – most importantly – the constant worry about money and what to do about your debts.
We are a dedicated debt relief law firm. We help people from Phoenix, Mesa, Gilbert, Queen Creek, Chandler, Scottsdale, Apache Junction, Tempe and throughout Arizona file for bankruptcy or work through tough tax problems every day. We can help stop the debt cycle and give you relief from your overwhelming, burdensome, and crushing debt. Please don’t wait another moment. Call us right away – our attorneys will help get you the fresh start you deserve.