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Federal Bankruptcy Law Specialists

A Fresh Financial Start Begins Right Here.

Stop harassing creditor calls, foreclosure threats, and wage garnishment today. Our compassionate, experienced bankruptcy attorneys guide you through Chapter 7 & Chapter 13 with dignity.

Call (800) 555-3328

$75M+

Debt Discharged

25+ Yrs

Legal Experience

100%

Confidential Guarantee

Free Qualification Check

Find out your options in under 60 seconds

No impact on credit score to check options.

Automatic Stay Protection: Filing bankruptcy legally stops ALL foreclosure sales, repossessions, and creditor calls immediately.

Legal Expertise & Solutions

Tailored Debt Relief Strategies

Bankruptcy is not a failure—it is a legal constitutional right designed to give honest people a fresh start. Explore our core service areas below.

Chapter 7 Bankruptcy

Complete liquidation bankruptcy designed to wipe out qualifying unsecured debts (credit cards, medical bills, personal loans) in as little as 3 to 4 months.

  • Eliminates 100% of eligible debt
  • Keep exempt personal property

Chapter 13 Reorganization

A manageable 3 to 5-year repayment plan to catch up on mortgage arrears, prevent foreclosure, and consolidate debt into one affordable monthly payment.

  • Save your home & vehicle
  • Stop interest accumulation

Foreclosure Defense

Halt pending sheriff sales and lender foreclosure proceedings immediately through strategic bankruptcy injunctions and mortgage modification assistance.

  • Stops sheriff sale immediately
  • Force bank to accept payment plan

Wage Garnishment Relief

Protect your paycheck. Filing bankruptcy stops court-ordered payroll deductions and bank account freezes on the exact day of filing.

  • Restore full paycheck income
  • Unfreeze seized bank accounts

Creditor Harassment Protection

Under federal law (FDCPA), collection agencies must cease all contact once represented by legal counsel. We hold aggressive collectors accountable.

  • End harassing phone calls
  • Direct all calls to our law office

Business Restructuring & Ch. 11

Tailored corporate and small business debt reorganizations (including Subchapter V) allowing companies to operate while restructuring debts.

  • Maintain company operations
  • Restructure leases & vendor debts
Interactive Estimator Tool

Which Chapter Fits Your Situation?

Bankruptcy eligibility is calculated based on state median income guidelines and debt types. Use this estimator to preview your potential relief chapter.

The Means Test Rule

If your household income is below state median levels, you generally qualify automatically for Chapter 7 debt discharge.

Debt & Income Quick Check

2 People
$4,500 / mo
$35,000

Are you behind on mortgage payments?

Select yes if saving your home is priority #1

Disclaimer: Results are estimates based on standard federal parameters and do not constitute formal legal advice. A complete legal means test will be performed during consultation.

Legal Team

Dedicated Debt Relief Counsel

Our experienced attorneys specialize exclusively in consumer rights, bankruptcy law, and debt restructuring.

Attorney Robert Henderson
Managing Partner

Alexander Zeno, Esq.

30 Years Experience • LLM University of Missoury at Kansas City Law School

All levels of bankruptcy. From complex Chapter 11 business reorganizations, full Chapter 7 bankruptcy for businesses and individuals, and individual Chapter 13 home protections.

Common Questions

Frequently Asked Questions

Clearing up common myths about bankruptcy and debt relief.

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We offer in-person office consultations as well as 100% remote phone and video consultations.

(240) 520-2255

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azvlaw@aol.com

All initial phone evaluations are completely confidential and protected by Attorney-Client Privilege.

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