Mesa Arizona Bankruptcy: Chapter 7 & Chapter 13

Mesa, Arizona has a long history, going back thousands of years to the Hohokam people. Back in 1878, Mesa was registered as a one square mile township.with a population of three hundred people. Fast forward to modern day Mesa, and you have the third largest city in Arizona (behind Phoenix and Tucson) and the thirty-eighth largest city in the United States with close to half a million people as residents.

There is a wonderful law firm servicing the citizens of Mesa, called Fife Cesta Law. Fife Cesta is a bankruptcy law firm helping individuals in need of debt relief.

With the economic meltdown of 2008, a domino effect of bankruptcies and foreclosures has occurred, and these effects are still continuing as we head into 2012. When individuals are facing these severe kinds of economic pressures and debts, they need advocates they can count on to counsel them through these trying times. Fife Cesta Law are bankruptcy attorneys in mesa who are caring and dedicated. With Fife Cesta, you will never feel that you are just another number or a court filing. We know that you are husbands and wives, mothers and fathers, daughters and sons and facing real life situations that you need answers for.

Fife Cesta can help you, whether you need a Chapter 13 attorney or a chapter 7 attorney. We are lawyers for bankruptcies of all types.

Fife Cesta Law is a bankruptcy law firm with two specialized bankruptcy lawyers – William Fife and Thomas Cesta. Both Thomas and William were raised and educated here in Mesa, and are dedicated to helping their community.

We know you can find Mesa Arizona attorneys for bankruptcy who will make you promises or tell you what you want to hear. At Fife Cesta Law, we are going to advise you honestly and help you make the best decisions. Whether it is a chapter 7 bankruptcy lawyer that you need, or a chapter 13 attorney, we can help counsel you and get the process started towards debt relief and recovery. We understand the stresses and pressures living under a mountain of debt and harassing creditors can be. We will help change this situation for you.

Mesa has grown up as a town over the years, starting with alot of public works during and after the Great Depression. This included a new hospital, paved roads, a town hall and a library. When two military fields opened in the 40s, military personnel started to flock to the area. And heck, once Air conditioning was invented, all of Arizona took off, not just Mesa! A formerly agricultural area, Mesa is now a very successful suburban community with alot of potential.

Our goal, at Fife Cesta Law is to help the community of Mesa by providing the proper guidance and assistance to those individuals and families facing financial hardships, who need expert opinions and answers. We are professional bankruptcy attorneys with the skills and knowledge to help any client through a temporary rough patch and able to come out the other side and succeed and flourish.

If you are facing it alone, don’t. Hire a bankruptcy law firm who will care about you as a person and help you through this. Call Fife Cesta Law today at 480-850-6541 or email us. We are YOUR attorney for bankruptcy.

Why should you consider filing for bankruptcy in Arizona?

Bankruptcy—it sounds so much worse than it is.  Most consumers fear it, even to the point of complete financial ruin.  Businesses on the other hand see it for what it really is—a financial tool to get back on track.

Bankruptcy Law Myths

The Credit and Banking Industry Lobbies have perpetrated many myths to discourage consumers from escaping their traps:

• Bankruptcy will hurt my credit:  The truth is that your credit is usually already bad because of numerous late payments, a foreclosure, or repossession.  However, the average consumer that files bankruptcy will see an increase in their credit score in one year or less after filing for bankruptcy.
• Only bad people declare they are bankrupted:  Actually, many good people have found themselves unable to repay a debt, often because of a change in finances, or because of something the bank did to make it more difficult.  Most people who apply for bankruptcy protection are simply drowning in debt.  Most will never need to file bankruptcy again.  For them, bankruptcy is the solution they need to save their family and get back on track.
• My debt problems are my fault, not the banks’:  Most consumers do not have a degree in finance.  The banks exploit this to encourage late payments in order to maximize profit.  Banks reduce credit limits to the current balance, then add interest and charge ‘over-the-limit’ fees.  They often have sliding due dates so that consumers cannot predict or properly plan, usually resulting in late fees.  And when a consumer does pay late, the interest rate is raised ridiculously and irrevocably.
• I will lose everything if I file for Chapter 7, Chapter 11 or Chapter 13:  Arizona has realistic exemptions and most of your stuff will be protected.  Anything that is not protected you probably already sold to make ends meet.
• Mesa Arizona bankruptcies are bad for the State:  Debt is bad for the country.  Consumers with debt make banks rich, but the consumers cannot afford to buy new clothes and other consumables.  American companies need to sell product in order to continue to retain employees.  Bankruptcy
• Discharging debt is immoral:  Each consumer should seek their own guidance on this one.  Let’s face it, attorneys are not often thought of as a source for moral guidance.  However, the bible and the Koran both instruct on debt forgiveness.

Most consumers blame themselves for having financial difficulty, and most feel that they owe the companies that took a chance on them and lent them money.  However, credit card companies, banks and other financial institutions do not have your best interest at heart.  They are in it for the money.  Your difficulties maximize their profits.

Most of us believe that a company will not lend us money unless we can afford to repay it.  The truth is, the more difficult it is for us to repay the loan, the more money the companies will make from lending to us.  When money is already tight you are more likely to make a late payment.  But a single late payment allows the company to add late fees, to raise the interest rate, often by double or triple, and even to lower the credit limit and then charge over-the-limit fees.

When the interest rate goes up, the minimum payment goes up, making it even harder to make the payment.  When late fees and other fees are added, the minimum payment can be substantially more than most consumers expect, forcing the consumer to pay late again.

The average consumer will pay for many years before considering a bankruptcy.  In fact, consumers who make only the minimum payment will take 25 to 30 years to pay off credit card debts.

Filing for bankruptcy can be a frightening choice to make; it is important to know that you have resources available to help you. Bankruptcy can happen to anyone and under many different circumstances. The Law Offices of Fife & Cesta helps individuals and businesses who are facing bankruptcy in Mesa Arizona.

Consider the following questions:

• Are you unable to make even the minimum credit card payment?
• Are you using one credit card to pay another credit card?
• Are you behind on your mortgage payments? Behind on car payments?
• Are you facing home foreclosure?
• Are they threatening to repossess your car?
• Are you being sued by a creditor?
• Are your wages being garnished?
• Have creditors seized your bank account? Your tax refund?
• Do you need a fresh financial start?
• Do you need some breathing room?

If your answer is yes to two or more of these questions, give us a call at 480-850-6541.WE TAKE SATURDAY and EVENING APPOINTMENTS.

The Mesa Arizona bankruptcy lawyers at the Law Offices of Fife & Cesta assist financially struggling customers to understand and use their legal rights to protection by filing bankruptcy. Our skilled bankruptcy attorneys work closely with you to examine your circumstances, your needs and your options. The bankruptcy attorneys will help you become debt free and to begin your fresh start!

It’s never an easy task to think about filing bankruptcy. Bankruptcy laws are complicated and you might not have enough time to become acquainted with all of the legalities which will impact your financial situation.

The Mesa bankruptcy attorneys and staff at The Law Offices of Fife & Cesta give you bankruptcy advice, to help you have reassurance when facing legal difficulties. A bankruptcy attorney from our firm has the expertise and knowledge to explain your options and help determine whether declaring bankruptcy is perfect for your circumstances.