"Filing Bankruptcy In Az" Discussion

Upsolve Community Member
Hi Azalia! Thanks for your question. This article from the Upsolve Learning Center should help answer your question: https://upsolve.org/learn/get-out-of-title-loan/ I hope this helps! :-)

Upsolve Community Member
Azalia, you might also want to get familiar with the term cramdown if you're planning on filing for Chapter 13. The article https://upsolve.org/learn/chapter-13-cramdown/ can help. 

Upsolve Community Member
Please let us know if you have any other questions! 

Upsolve Community Member
Hi Cynthia, Check out this article to see if you can get a fee waiver: https://upsolve.org/learn/how-to-get-fee-waiver/

Upsolve Community Member
This too will give you some guidance: https://upsolve.org/learn/how-much-does-bankruptcy-cost/

Upsolve Community Member
Let us know if you have any other questions about this! 

Upsolve Community Member
My fee in AZ was $338 and I am paying in four installments. 

Upsolve Community Member
Julie, thanks for the "installments" idea! The $338 is the Federal fee and applies to all states. If you don't qualify for the waiver, ask the court about installments! :-)

Upsolve Community Member
Deep breath and don't hesitate to share your questions with this community as you go through the process. 

Upsolve Community Member
Thank you 

Upsolve Community Member
Barbara, I'm thinking of asking Upsolve to open a "Deep Breathing" Room because there are many fellow Upsolvers who have been financially stressed out for quite some time now. Ugh! But relief is on the way. Start envisioning your life a few months from now without that giant weight on your back. It's a good feeling, this FRESH START! Until then, as Andrea says, deep breaths -- 3 of them!                            Good luck! :-)

Upsolve Community Member
It's so normal to feel anxious, coming here and sharing this is a big first step. Keep us posted on how you're feeling and don't hesitate to post any questions/comments that come up along the way! 

Upsolve Community Member
I like the deep breathing room idea! 

Upsolve Community Member
https://upsolve.org/learn/the-automatic-stay/ will keep bill collectors from calling and will stop collection activity so that should help provide some stress relief! 

Upsolve Community Member
Thank you all for the encouragement. I’m going to work on completing my bankruptcy package this weekend so I can get it mailed out on Monday. I think a deep breathing room is a wonderful idea. I’m looking forward to relieving the stress & anxiety I feel with my debt issues. 

Upsolve Community Member
I’m stuck, someone help! Please

Upsolve Community Member
Is there anyone online that can answer my questions?

Upsolve Community Member
Same. I was so happy when I told my mom. She said her generation (baby boomer) was ashamed to file but mine (millennial) wasn’t. Lol

Upsolve Community Member
Because it's a moment in time and while it feels like a huge failure at the moment (understandably so) soon you will realize that doing this and taking your life back in your own hands is the only responsible thing you can do. 

Upsolve Community Member
Hi Lorena.  One thing that can help is knowing that many famous and successful people have filed for bankruptcy, such as Abraham Lincoln and Walt Disney.  https://upsolve.org/learn/embarrassed-filing-bankruptcy/ is an article that you might find helpful.

Upsolve Community Member
Lorena, you haven't failed! Here are a few tips to deal with the https://upsolve.org/learn/how-to-deal-with-the-stress-of-bankruptcy/. 

Upsolve Community Member
I'm 7 years post bankruptcy and just now identifying that embarrassment or even shame may be behind my low level depression.  I came across this site in my search around this issue.  I'm hoping that my naming it and doing some uncovering may now lead to releasing it.   Its complicated - with regret, and an ongoing sense of what I've lost ( not having a home mostly) and the very real significant lifestyle changes this had led to.  And a real sense of unfairness ( which is hard to admit to as I  feel I 'should' be more accepting and positive about what I  do have).  

Upsolve Community Member
That is great news. Thank you for sharing. Congratulations on your progress!

Upsolve Community Member
So glad to hear! 

Upsolve Community Member
Please keep us updated on what happens next :) 

Upsolve Community Member
Bayyyenah, you are well on your way to a FRESH START! Next up is your 341 Meeting and here is an example of this event: https://upsolve.org/learn/mock-341-meeting/ Good luck going forward! :-)

Upsolve Community Member
i want to know how to print the form

Upsolve Community Member
Renee, thanks for asking this! This page explains the forms and shows you where you can read them online: https://upsolve.org/learn/chapter-7-bankruptcy-forms-explained/ 

Upsolve Community Member
That's so awesome! You might be interested in reading https://upsolve.org/learn/what-happens-after-filing-bankruptcy/ to read up on what happens next. From what I've heard, you've conquered the hardest part of the process! Congratulations!

Upsolve Community Member
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