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Written by Canterbury Law Group

Who Can File For Bankruptcy – Scottsdale?

Who Can File For Bankruptcy

Regardless of immigration status, nearly everyone can file for Chapter 7 bankruptcy. However you must meet certain criteria. Read on to learn more.

When filing an individual consumer bankruptcy you have to pass a means test and a court will not allow your case to proceed if you have filed a bankruptcy within certain time frames, or if the court suspects cheating on your part. Note an incorporated entity is forbidden from debt discharge in Chapter 7.

Income Versus Debts

Let’s go over some of the rules for meeting Chapter 7 bankruptcy debt discharge criteria. If you fail to qualify, you will need to consider Chapter 13 bankruptcy.

Income Level

You need to start by calculating your current monthly income versus the median income for a family of equivalent size in the state where you reside. This total is the average monthly income from the previous six months. If the income is equal too or less than the median, the law presumes you qualify for Chapter 7. if it is greater than the median, you must submit a means test to see if you qualify.

Disposable Income And Debt Repayment

The means test discovers if you have the disposable income to repay some of your unsecured debts over a five year repayment period. Besides the means test, the bankruptcy trustee will examine your finances looking for your current income and expenses and the amount of disposable cash available to pay creditors. The trustee will assess your Schedule I (income) and Schedule J (expenses) – if the trustee feels you can make payments to your creditors, he will most likely recommend Chapter 13 bankruptcy to the court

Previous Bankruptcies

You will not qualify for Chapter 7 bankruptcy if you obtained a discharge of your debts in a Chapter 7 bankruptcy case within the last eight years, or a Chapter 13 case within the previous six years. Nor can you file for Chapter 7 or Chapter 13 if your case was not accepted by the court in the past 180 days because:

  • The dismissal was requested after the creditor requested relief from the automatic stay
  • A court order violation
  • The court ruling your filing was fraudulent or it constituted an abuse of the system

Corporations or LLC’s

Chapter 7 bankruptcy will not eliminate the debt of an LLC or corporation. But the trustee will liquidate the assets of the company and distribute the funds raised to the creditors.

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

How Long Does Bankruptcy Stay On Your Credit Report?

How Long Does Bankruptcy Stay On Your Credit Report

Depending on the chapter you filed, the public record from your bankruptcy is deleted after seven years from Chapter 13 bankruptcy and ten years from Chapter 7 bankruptcy because none of the debt has been repaid. Read on to learn more.

Accounts Included In Bankruptcy

Individual accounts included in Chapter 13 and Chapter 7 bankruptcy will remain on the credit report for a total of seven years. When an account has been delinquent when it was included in the bankruptcy, the delete date will be seven years from the originating date of delinquency. The declaration of bankruptcy will not change the delinquency date.

Will A High Credit Score Help You During A Bankruptcy?

It is a myth that possessing a high credit score or one with few late payments means the impact of your bankruptcy will be less. The bankruptcy also does not recognize recent payments that have been made on time. Conversely, if you already have poor credit, it may not be worth the effort as the bankruptcy is going to damage your credit report. In both cases over time managing your credit and debt appropriately can be positive steps for the future. Additionally, it may help to open accounts using secured credit cards and keep them paid off in full on a monthly basis, arranging to make payments on time as you proceed and keep credit cars at less than thirty percent of the maximum being used.

Source: https://www.experian.com/blogs/ask-experian/removing-bankruptcy-from-your-credit-report/

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

What Is Bankruptcy Discharge?

What Is Bankruptcy Discharge

A bankruptcy discharge is the order relieving the debtor from having to repay debts that have been discharged. Read on to learn more.

Once discharged creditors can no longer try to collect on the discharged debts. Liens can still be enforced attached to debts that are secure, they may also repossess and sell all the property put up as loan collateral. There are some disadvantages to filing for bankruptcy. It will damage your credit and you will need to satisfy the court this bankruptcy is essential.

How It Works

The discharge order will be mailed to the creditors and to the US Bankruptcy Trustee who is handling the case as well as their attorney. It is important to maintain a copy and it can be used to correct any credit report issues or errors. When a creditor tried to collect, you may file a motion with the court for the case to be reopened and the creditor may face fines if it is determined they are in violation of the discharge injunction.

Types of Bankruptcy Discharges

Individuals may file for Chapter 7 or Chapter 13 bankruptcy protection. In a Chapter 7, the trustee will liquidate assets that are not exempt and divide the proceeds to your creditors. Any remaining debt will be discharged. In Chapter 13, you will agree to a five year plan of repayment – at the end of those five years, any remaining debt will be canceled. Chapter 13 allows some debts to be discharged that cannot be discharged in Chapter 7. This includes debts from a divorce agreement (but not alimony or spousal support) and tax related debts, court fees condo or HOA fees and debts unable to be charged in a previous bankruptcy.

Source: https://www.thebalance.com/bankruptcy-discharge-what-is-it-and-when-does-it-happen-960064

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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What to Expect after Chapter 7 Discharge

What to Expect after Chapter 7 Discharge

Once your Chapter 7 bankruptcy has been discharged, you need to look at your next steps. Read on to learn more!

Discharge

Once discharged, the case is usually at a conclusion once the court release the official final report from the appointed trustee. There may still be a delay if the trustee is yet to liquidate outstanding property or conclude any matters of litigation.

Short Term Steps

The first order of business is to ensure you have records of all your documents regarding the bankruptcy including the discharge letter. These documents need to be maintained in a secure place as you may need some of the documentation in the future. Next, obtain a copy of your credit report and make sure everything on there is up to date and accurate. You can then plan a budget using your current level of income. It may be a good idea to use Schedules I and J from your bankruptcy case to assist in this goal. Start an emergency fund with regular contributions to make sure you can cover expenses that come out of the blue. As you progress further you will want to ensure you make arrangement for the payments of debts not covered in the bankruptcy.

Rebuild Your Credit

Although you want to avoid debt, not take more on, if you take a practical approach, this can help n the long term. Commence with a small secured credit card that operates in a manner similar to a pre-paid card and ensure your payments are made in a timely fashion. The bets strategy is to use the card sparingly and ensure it is paid off on time each and every month. Also, if you are renting and have kept up to date on rent payments through your bankruptcy, this can also assist with maintaining your credit as can regular payments for car loans.

Final Thoughts

The new beginning from being discharged from your chapter 7 bankruptcy can give you a great start for practicing new financial habits that are beneficial to you as long as you budget well and do not overspend.

Source:  https://upsolve.org/learn/chapter-7-discharged/

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

What Happens When You File Bankruptcy?

What Happens When You File Bankruptcy?

Often thought of as the end game, bankruptcy is there for people undergoing tough economic times. But with it comes the opportunity to restore order to your finances and maybe a fresh start. There are negative results from filing for bankruptcy, so read on to learn more.

What Happens?

Bankruptcy gives you the option to pay down a percentage of your debts over a set time period or have some totally eliminated. An automatic stay is granted preventing creditors from collecting money from you or pursue your other assets. People ask if they will lose their property. In Chapter 7 you will most likely need to sell some or all of your assets while in Chapter 13, you do not have too as your debts will be reorganized in a manner you can pay them off in full or partially over  a three to five year span. But if you do not maintain the arrangements, creditors will, most likely, come after you.

Credit And Bankruptcy

Once the bankruptcy has been discharged, it may be difficult to obtain credit. That said newer good habits with credit will help you maintain a better credit score over time even with the history of bankruptcy. can certainly cause great damage to your credit score. Chapter 7 can remain on your credit report for up to ten years as it involved the elimination of debt. Chapter 13 is a little more favorable as it still shows some effort to pay off debt and will be on the report for seven years.

Are Filings Available To The Public?

Although a public record, they are registered with a system known as PACER, mainly used by creditors and attorneys – but anyone can register to use it. Sometimes local newspapers publish notices as well and it may be visible on your credit report.

Job Prospects

Nearly a third of employers run a credit card on job applicants so declaring bankruptcy may be seen as a negative when applying for jobs in certain career fields. However, a bankruptcy will not show up in a regular criminal check.

Keeping Track Of Credit

As your credit is impacted by bankruptcy, keeping tabs on your credit scores are very important. Watch for how certain transactions can take a toll on your credit score and seek out possible errors or information that may negatively impact your scores. If you discover them ,they may always be disputed with the credit agency.

Source: https://www.experian.com/blogs/ask-experian/what-happens-when-you-file-bankruptcy/

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

How Often Can You File Bankruptcy?

How Often Can You File Bankruptcy

The kind of bankruptcy previously filed determines the amount of time between each case of bankruptcy. The date commences when the prior case is filed with the courts. The date of discharge does not come into play. Read on to learn more.

Chapter 7 Bankruptcy: 8 Years

This is the longest length of time legally required. Chapter 7 offers the fastest debt relief methods and does not require a plan of repayment before being discharged.

Chapter 13 Bankruptcy: 4 Years

While it is permissible to file Chapter 13 shortly following a Chapter 7 discharge, the person filing will not be allowed to obtain a Chapter 13 discharge in the second situation. However they can file Chapter 13 so tax debts as well as other outstanding debts may be paid off.

Chapter 7 Bankruptcy: 6 Years

This can be waived when one hundred percent of your creditors have been paid back and the original case was completed in good faith. As a Chapter 13 repayment plan can take up to five years to complete, you can file Chapter 7 within about twelve months following a Chapter 13 discharge.

Chapter 13 Bankruptcy: 2 Years

When you have previously filed Chapter 13 and obtained a discharge, there is at least a two year gap before you may file again. However the minimum repayment plan length is three years. Although it is possible to receive a discharge sooner if there are hardships that have not been forecast.

Continued Chapter 13 filings are sometimes utilized to manage tax debts or student loan payments as those debts are unable to be discharged.

Can A Bankruptcy Attorney Help Me File Bankruptcy Sooner?

Although they cannot help you skirt the time limits they may assist in helping you file a different kind of bankruptcy should you meet the criteria. For example, if you filed Chapter 7 and were unable to obtain a discharge. They can also assist in obtaining an order from the court making sure your automatic stay will not expire prior to the discharge being entered.

Source: https://upsolve.org/learn/how-often-can-you-file-bankruptcy

 

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Chapter 11 Vs. Chapter 13 Bankruptcy

Chapter 11 Vs. Chapter 13 Bankruptcy

Chapter 11 bankruptcy is open to anyone and Chapter 13 bankruptcy is only for the individual. Read on to learn more!

In this article we look at some of the differences between Chapter 11 and Chapter 13 bankruptcy. In general terms both forms of bankruptcy allow the payment terms to be modified on debts that are secured, allow time for assets to be sold and allow for the elimination of obligations beyond the plan of the term.

Chapter 11 Bankruptcy

Almost anyone can file for Chapter 11 bankruptcy. There is no debt limit or income requirements. It is complex and usually the most costly so is often used by businesses. It allows business to remain open and operational as financial obligations are put into an organized plan that may include restructuring of the company and plans to reduce outgoings and expenses.

Chapter 13 Bankruptcy

This can only be filed on an individual basis who have a stable income. There are also debt limitations and these frequently change. Until April 2022, the limits are $419,275 in unsecured debt and $1,257,850 in secured debt. One big difference between Chapter 12 and Chapter 7 is Chapter 7 allows the elimination of the entire debt but some states do have limits. A repayment plan must be submitted explaining how the debts will be paid within three to five years. Usually, the filer may maintain some assets and payment is made via a trustee to creditors. Usually the terms have to be more favorable than they would be under other bankruptcy proceedings. 

COVID-19 Changes

The Coronavirus Aid, Relief, and Economic Security (CARES) Act signed in late March of this year raised the Chapter 11 Subchapter 5 debt limit to $7,500,000, excluding federal emergency relief payments due to COVID-19 from “current monthly income” in Chapter 7 and Chapter 13 and “disposable income” in Chapter 13, and allowing Chapter 13 repayment plans to be extended to seven years but is only applicable to bankruptcies filed after March 27, 2020.

 

Source: https://www.investopedia.com/ask/answers/061815/what-are-differences-between-chapter-11-and-chapter-13-bankruptcy.asp

 

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

How Long Does Chapter 11 Take?

How Long Does Chapter 11 Take?

Bankruptcy can take varying amounts of time to complete but most Chapter 11 bankruptcy plans are complete within six months to two years. read on to learn more.

The fee for filing Chapter 11 bankruptcy is $1,717 but you can reckon on spending in excess of $10,000 on legal fees. Business owners who file for Chapter 11 bankruptcy will discover it is not a simple process.

Chapter 11 Versus Chapter 13

Both plans allow for business reorganization but with a Chapter 11 bankruptcy, a trustee does not always have to be appointed. If they are the review the plan or reorganization and make recommendations to the court, They also undertake the responsibility of collecting payment as well as the distribution of payments. To qualify for Chapter 13 your bills cannot be in excess of $1,184,200 in secured debt, and $394,725 in unsecured debt.

Businesses who are struggling need more time to get back on their feet. Chapter 11 bankruptcy can assist in this. it all starts with a the filing of a detailed petition. Chapter 7 progresses quickly, since creditors do not get to vote on the plan of reorganization. But Chapter 11 requires many court hearings and that is why it can take in excess of a year.

Source: https://www.debt.org/bankruptcy/chapter-11/

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

How Does Chapter 11 Bankruptcy Work?

How Does Chapter 11 Bankruptcy Work

Chapter 11 bankruptcy commences with a petition filed to the court and with the assignation of a case number. The automatic stay then begins and a meeting is scheduled with all the creditors. Depending on the circumstances of the person filing for bankruptcy, a reorganization or liquidation are the primary options available. Read on to learn more.

Reorganization

Chapter 11 bankruptcy allows a filer to perform a reorganization of their financial affairs. The bankruptcy plan explains how debts will be met in the future and offers the filer the opportunity to renegotiate and restructure the manner of how they will pay back their creditors.

U.S. Bankruptcy Code rules state creditors are divided into certain classes:

  • Creditors whose debts are secured by a property liens
  • Unsecured priority claims are given priority for their unsecured debts to obtain money from the plan of repayment
  • Unsecured claims that are non-priority are only met when the above classes have been satisfied

Sometimes, those who fall into the last category will assemble a creditors’ committee to try and obtain payment. Security holders with equity also have a claim on the company and may be paid at any time (or not paid at all.) Creditors may also object to the class they have been assigned by the filer. Only the filer can file a plan of reorganization in the first 120 days once the case has been filed with the U.S. Bankruptcy Court. In the case the filer is a small business they are allowed 180 days. After that, a creditor may file a plan for reorganization if the debtor is yet to have filed a plan or has filed a plan that does not meet the acceptance of its creditors.

The plan of reorganization must include a statement of written disclosure that gives information regarding the business affairs of the filer so creditors can make educated decisions regarding the reorganization plan. In the case of a small business the court may decide the plan includes all the relevant information saying the statement of disclosure will not be required.

Proof of claims will be filed by creditors. These claims will contain the money they are owed and it maintains their rights but they still have to provide proof to the courts explaining the validity of their claim. Those with valid claims vote on whether they will accept the plan of reorganization. Court approval and the vote of the creditors are mandatory. The approval of the court requires at least one of the classes of impaired claims will vote in favor of the bankruptcy reorganization plan. Bankruptcy Code rules say a total class of claims accept a plan if at least two-thirds of the creditors of the total amount of the claims and more than fifty percent of the number of claims allowed in the class.

Confirmation

A confirmation hearing will convene so the court can make a determination to approve the plan. The court will ensure the plan is in line with bankruptcy laws and requirements. Once it is confirmed, the Chapter 11 bankruptcy case may be closed until the plan is completed, allowing the filer to save money on fees and prevents the need to file reports on a monthly basis.

In most Chapter 11 cases, a bankruptcy trustee us not appointed. The filer acts in a manner a trustee would in a Chapter 7 or Chapter 13 proceeding. Control is maintained by the filer over their business and finances. They are also responsible for the examination and objection claims from creditors as well as filing tax returns, accounting and meeting the additional duties and requirements of reporting. The administrative side of the Chapter 11 bankruptcy filing is managed by the U.S. Trustee and ensures the debtor does that is required. That said, a Bankruptcy trustee may be appointed when the debtor does not want to act as the debtor in possession. The court may also appoint a trustee to manage the operations if the court has good reason or suspects incompetence or fraud.

Liquidation

This is an option in a Chapter 11 bankruptcy. A plan would shut down the operations of a filer and sell the assets that remain so the creditors can have at least received a portion of the debts owed. Liquidation may be better under Chapter 11 than Chapter 7 as the debtor who is in possession and their creditors have greater say over the execution of the Chapter 11 plan.

Source: https://upsolve.org/learn/what-is-chapter-11-bankruptcy

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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Written by Canterbury Law Group

Chapter 7 vs. Chapter 11 Bankruptcy Differences

Chapter 7 vs. Chapter 11 Bankruptcy Differences

When dealing with Chapter 7 and Chapter 11 bankruptcies, the shareholders of the companies doing the filing are not likely to see returns on their investments. That said there are still some major differences. Read on to learn more.

Chapter 7 Bankruptcy

Also called “Liquidation Bankruptcy” At this stage firms are past the stage of reorganization and have to sell off any assets that are not exempt to satisfy creditors. Debts are collected according to “absolute priority” rules and a trustee make sure assets are sold and the funds distributed to the appropriate creditors. To obtain Chapter 7 relief a debtor may be an individual, a corporation or a small business. They are not allowed to proceed with bankruptcy if they have had a previous bankruptcy application dismissed within the previous 180 days should they not have made an appearance in court. When assets are sold the remaining debt is usually forgiven.

Chapter 11 Bankruptcy

Also called a “reorganization” or sometimes a ‘rehabilitation” bankruptcy. Available for nearly everyone, there is no debt limit and no income requirements. It is more complex and generally more expensive. It permits the firm to reorganize their debt by contacting its creditors to change the loan terms. It is initiated with a petition filing and according to The Small Business Reorganization Act of 2019 makes this form of bankruptcy more accessible for small businesses. To quote the act: “defined as entities with less than about $2.7 million in debts that also meet other criteria,”  it goes on to state: “imposes shorter deadlines for completing the bankruptcy process, allows for greater flexibility in negotiating restructuring plans with creditors, and provides for a private trustee who will work with the small business debtor and its creditors to facilitate the development of a consensual plan of reorganization.” Recently the Chapter 11 Subchapter V debt limit has been increased by President Donald Trump to $7,700,000 for cases filed following the CARES act.

Chapter 7 Vs. Chapter 11

Both Chapter 11 and Chapter 7 bankruptcy requires a trustee who will supervise the assets belonging to the debtor to ensure the continuation of business. In Chapter 11, debt is not absolved but if successful it is expected the business will continue to operate. When that is not possible the next step is liquidation and Chapter 7 bankruptcy.

Source: https://www.investopedia.com/ask/answers/differences-between-chapter-7-and-chapter-11/

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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