Bankruptcy Law
We can help you lower your monthly payments, and also completely eliminate certain types of debts.
Bankruptcy can be used as a powerful tool to help you get back on track and give you a second chance.
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The Goal of Bankruptcy and a Fresh Start
The goal of bankruptcy is to give you a fresh start from unmanageable debt. It is a legal process that can help eliminate some or all of your financial obligations or allow you to repay it under the protection of the federal bankruptcy code.
In most cases, if you are eligible for bankruptcy, it will help eliminate your debt and/or lower your monthly debt obligations and put a stop to the persistent phone calls and letters to collect money you don’t have. Bankruptcy can help restructure your mortgage payments, vehicle payments, medical bills, IRS obligations and unsecured debt payments.
Is Bankruptcy Right for You?
Chapter 7
Chapter 7 is a way for you to wipe out most of your debt and get a fresh start. If you are current on your home and vehicles and simply cannot afford your credit cards, medical bills or other debt, then a Chapter 7 may be right option for you. A Chapter 7 Bankruptcy is very fast and typically takes 4 to 6 months to complete.
Chapter 13
Chapter 13 is a way for you to keep your property on your terms. This is accomplished by restructuring your agreements with your creditors. A Chapter 13 Bankruptcy creates a payment plan that fits within your budget. It allows you to take control of your financial situation and determine how your creditors are repaid.
Phil Cardis
Cardis Law Group was established with one mission in mind: Provide a client centered law practice which provides pragmatic solutions that produce solid results. Phil Cardis and his team have a combined 50 years of experience and has over 100 5 Star Google reviews. They have built an impeccable reputation for trusted legal advise throughout the State of Arizona, Minnesota and Wisconsin.
Whether aggressive representation is needed or a creative compromise is sought, the Cardis Law Group’s diverse legal expertise and savvy business skills will get results.
Phil is a member and frequent speaker in many legal and business organizations such as the Arizona and Wisconsin State Bars, Arizona Small Business Alliance, International Association of Privacy Professionals, Maricopa County Bar Association – Corporate Counsel Division, Los Abogados Hispanic Bar Association, Homebuilders of Central Arizona, and the National Association of Homebuilders.
Cardis Law Client
I was blessed to work with Cardis Law Group, Phil Cardis took the time to understand and give the best legal advice needed for my situation. The attention to detail was superb. Phil went above and beyond in both customer service and legal advice. I would highly recommend Cardis Law Group to my family, friends and loved ones.
Casey L.
Cardis Law Group is absolutely amazing!!! I would highly recommend them for reliable, honest, knowledgeable, and very responsive attorneys. Phil and his team went above and beyond to get the best result possible for my case. The Cardis Group is first class and I would never go anywhere else for my legal needs.
Ovedia Moreno
After our experience with Cardis Law Group all I have to say is that they are truly a cut above the rest and experts in their field. Out of 10 law firms that I contacted they were the only ones to respond promptly and professionally. They were able to begin quickly and worked efficiently to resolve the matter at hand. The attention to detail, upfront honesty, and legal advice given by both Phil and Barry is second to none. I highly recommend Cardis Law Group to anyone knowing they will receive the best of care in legal matters. Phil and Barry, thank you again for all of your assistance!
Levi Benson
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