Alexander D. Sanchez
ATTORNEY AT LAW
Mr. Sanchez has been assisting families and individuals in Arizona since 2010. Previous to his legal career Mr. Sanchez worked for the financial industries sector acquiring his series 7 and 63 licenses.
Mr. Sanchez regularly goes out of his way to make the bankruptcy process for his clients as smooth as possible. He strives to treat all of his clients with dignity and respect. With over two decades of customer service experience, Mr. Sanchez knows how to treat his clients.
In his 5 years working as a bankruptcy lawyer in Arizona, Mr. Sanchez has been the lead attorney in over 1,000 successful bankruptcy discharges.
7 Mistakes
You can’t afford before bankruptcy.
Bankruptcy Options
Chapter 7 is generally the quickest (last about 4 months) and least expensive form of consumer bankruptcy. It is also known as a bankruptcy liquidation, although most cases are considered “no asset” after applying allowed exemptions.
Also known as a repayment plan. Chapter 13’s last from 3 to 5 years. Some people are not allowed to file Chapter 7 because their income is too high, in which case Chapter 13 can be considered. Chapter 13 also has special powers to strip or modify liens if the circumstances permit.
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STOP GARNISHMENTS
Judgment creditors have a right to garnish up to 25% of your net wages. Your bank accounts can also be levied by judgment creditors. Both Chapter 7 and Chapter 13 will put a stop to these collection methods.
STOP COLLECTIONS
Junk debt buyers are subject to federal regulations. However, many of these types of creditors regularly cross the line in their zeal to collect money. Both Chapter 7 and Chapter 13 put an end to this madness.
STOP FORECLOSURES
If you have fallen behind on your mortgage payments, then lenders have the right to begin foreclosure proceedings. In AZ you are entitled to one 90 day notice. Chapter 13 is generally the best option to save a home that is going into foreclosure, but Chapter 7 will also provide some temporary relief.
STOP REPOSSESSIONS
If you have fallen behind on your vehicle payments, then lenders have a right to repo the car. Chapter 13 is generally the best means of saving a car provide the case is filed within 10 days of repossession.