Stop Struggling with Mounting Debt

DebtBusters Can Help You Get You Get Debt Free In 90 Days

Get Affordable, Friendly Solutions to Your Debt Problems 

About Us

There’s a Light at the End of the Tunnel

Struggling with crushing debt? Creditors hounding you night and day? You’re not alone. It’s all too easy to find yourself neck-deep in debt and feel like there’s no way out, but there are solutions. At DebtBusters, we believe that everyone deserves a second chance. We bring decades of debt relief experience to the table and work for you – not your creditors – to get your life back. Contact us today to book a free strategy session. 

Why Choose Us?

We Help You Get Your Life Back

At DebtBusters, we understand that financial mistakes can happen to anyone. We also understand how hard it can be to keep your head above water. Between additional fees and penalties and harassing phone calls and letters, it can be incredibly difficult. We’re here to help.

$0 Down

We understand that your finances are already tight, which is why we help you for nothing up front. Put $0 down to reclaim your life.

Easy Payment Plans

We offer simple, easy-to-understand payment plans with no hidden catches. Our sole goal is to help you get out from under the burden of debt.

No Worksheets

Worksheets can be frustrating and difficult to understand. Our expert team deals with the worksheets so that you don’t have to worry about them.

Free Credit Repair

We help you reclaim your financial life with free judgment removal, as well as access to expert tips and tricks to improve your credit score. We’ll also connect you with professionals to help you secure home and auto loans.

Dedicated to Communication

We understand how critical it is to have answers to your questions when you need them. We’re dedicated to accurate communication and are available in-person, by phone, or via video chat to suit your needs.

Our Bankruptcy Process & Fees

Chapter 7

Chapter 7 offers the maximum debt relief under the law and our unique process makes it simple and easy. For those who qualify, most of your unsecured debts will be discharged, including medical debt, credit cards, utility bills and some personal loans.

Step 1

Free, No-obligation Consultation

During this meeting you'll discuss your case with an experienced bankruptcy attorney then work on creating a strategy plan specific to your situation. This will take about an hour.

Step 2

Review & Sign

After our initial consultation, your attorney will draft a bankruptcy petition for you to review and sign and you won’t need to worry about preparing for this. We’ll pull your credit report and fill out all the worksheets for you.

Step 3

341 Meeting

This meeting will take place about six weeks after we file your petition. It’ll only last about 10 minutes, and it’s just to make sure that all the information on your petition is correct.

Step 4

Discharge Order

About 60 days after the 341 meeting you’ll get a discharge order and be debt free! You won’t be liable for your debts anymore and creditors will be barred from contacting you.

Not Sure If Chapter 7 Or 13 Is The Better For You?

Our guides will tell you everything you need to know before you start your bankruptcy. We will guide you through every step of the process from start to finish including what it costs and how long it will take.

Chapter 13

Chapter 13 bankruptcy allows you to get your debt under control and work out a plan for repaying most of your creditors. However, some of your debts can still be discharged to reduce your overall burden. In all, your repayment plan will cover three to five years and is based on what you can afford rather than what your creditors want you to pay.

Step 1

Free, No-obligation Consultation

During this meeting you’ll discuss your case with an experienced bankruptcy attorney and then work on creating a strategy plan specific to your situation. This will take about an hour.

Step 2

Review & Sign

After our initial consultation, your attorney will draft a plan for you to review and sign and you won’t need to worry about preparing for it. We’ll pull your credit report and fill out all the worksheets for you.

Step 3

341 Meeting

This meeting will take place about six weeks after we file your petition. It’ll only last about 10 minutes, and it’s just to make sure that all the information on your schedule is correct.

Step 4

Confirmation Hearing

A confirmation hearing will be scheduled next, and your attorney will represent you in this. This is when the court approves your plan.

Step 5

Discharge Order

About 60 days after the 341 meeting you’ll get a discharge order and be debt free! You won’t be liable for your debts anymore and creditors will be barred from contacting you.

Not Sure If Chapter 7 Or 13 Is The Better For You?

Submit your information and get an answer in seconds

(Click on the types of debt you owe and enter the amount in whole dollar amounts)

Next Step

Ability to Pay Debts

Do you have money left over after paying reasonable and necessary expenses each month? But, not including unsecured debt such as credit card, medical bills, and other unsecured loans?

Enter how much you can afford to pay per month in whole dollar amounts:

Per Month

If you can't pay your debts, you are a good fit for bankruptcy. You can set up a Free Strategy Session to learn more or you can continue with the assessment to guage what type of bankruptcy fits your needs.

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Assets

Do you own a vehicle?

Are your vehicle payments up to date?

We can cure your vehicle arrears and you will not lose your vehicle if you want to keep it.

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Assets

Do you own a home?

Are your home payments up to date?

We can cure your home mortgage arrears and you can keep your home if you would like to.

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We might need more info

Looks like our analysis is unclear, or you just may not be a good candidate for our services. Go back and complete the requested info, or request a consult if you still need help.

Looks like you might benefit filing Chapter 7 bankruptcy

Chapter 7

Chapter 7 bankruptcy is commonly referred to as a “fresh start”. bankruptcy. It is referred to as a “fresh start”. bankruptcy because most people who file a chapter 7 bankruptcy lose no assets and most unsecured debt is eliminated- tax free. Is this you?

Looks like you might benefit filing Chapter 13 bankruptcy

A chapter 13 bankruptcy is sometimes referred to as a “repayment”. plan because you make a payment, based on what you can afford to pay, over a 3-5 year plan, and whatever unsecured debt remains at the end of the plan, is eliminated- tax free. Is this you?

Looks like you should be able to pay off your debt

You might be a candidate for our debt consolidation services.

Frequently Asked Questions

We offer easy monthly payments plans or discounts for paying in full. 

When filing for bankruptcy, what happens to your car depends on various factors. In Chapter 7 bankruptcy, if the equity in your car is less than the exemption amount (which is $6,000 in Arizona for an individual filing), you can typically keep your car. However, if the equity exceeds the exemption amount, the trustee may seize the vehicle and sell it to satisfy your debts. It’s important to note that not all vehicles with more equity than the exemption will be seized, as it depends on the specific circumstances of the case.

In Chapter 13 bankruptcy, you can generally keep your car if you own it outright. In this type of bankruptcy, your debts are reorganized into a repayment plan that lasts three to five years. However, if you have a car loan and cannot afford to continue making payments, allowing the lender to repossess the vehicle may be the only option.

It’s important to consult with a bankruptcy attorney to understand how your specific situation may be affected. You can request a consultation here

When filing for bankruptcy, what happens to your house depends on various factors. In most cases, individuals are able to keep their homes in bankruptcy. However, it is important to note that the protection is not automatic, and it is advisable to work with an experienced bankruptcy attorney to navigate the process. The ability to keep your house usually depends on the type of bankruptcy you are filing, your mortgage payment status, and the amount of equity you have in your home. Chapter 13 bankruptcy generally allows individuals to keep their homes, even if they are behind on mortgage payments. In Chapter 7 bankruptcy, many debts can be discharged, making mortgage payments more affordable. It is crucial to consult with a bankruptcy attorney to understand how your specific situation may be affected.

Yes, filing for bankruptcy can often stop wage garnishments. When you file for bankruptcy, an automatic stay is typically put in place, which halts most collection efforts, including wage garnishments. However, it is important to note that there are certain types of garnishments for which bankruptcy may not be effective. If you receive notice of intent to garnish your wages, it is advisable to contact an attorney promptly to discuss your specific situation and determine the best course of action.

Here’s a link to an article with more information on this. 

Many people can be terrified about the prospect of having to enter Court meetings, so it can be welcome news for people intending to file bankruptcy to learn that they will not have to spend as much time in the courthouse as they might have feared. The truth is that many people who file for bankruptcy do not need to appear for any court proceedings. There are certainly exceptions in some cases, as bankruptcy cases can turn into litigation rather easily. It is possible that a person could be required to appear in court if a trustee objects to an exemption or a judge orders the person to appear and show cause.

Yes, judgments can potentially be discharged in bankruptcy. However, it is important to note that not all judgments can be eliminated through bankruptcy. Certain types of judgments, such as those related to willful and malicious torts, DUI awards, federal criminal orders of restitution, civil contempt of court orders, and fraud judgments, may not be discharged. It is advisable to consult with an attorney to determine if your specific judgment can be discharged through bankruptcy. You can get in touch with one of our attorneys here.

When a married couple files for bankruptcy, they may be eligible for what is known as a community discharge. This means that even if only one spouse files for bankruptcy, the entire marital union receives the discharge. As a result, both spouses are protected from the claims of creditors for debts included in the bankruptcy. The non-filing spouse’s wages cannot be garnished because they are considered community property, and creditors cannot access bank accounts holding community funds. However, it’s important to note that this protection does not extend to the non-filing spouse’s separate property, as creditors may still be able to pursue that.

Certainly! In Arizona, when people marry, they agree to form unions under which they take on all of their partner’s assets and liabilities. As a result, if one spouse files for bankruptcy, it will generally affect both spouses. The bankruptcy filing will impact the joint assets and liabilities of the couple. However, it’s important to fully understand the specific implications and options available in your situation. You can learn more about those here 

Chapter 7 bankruptcy is known as liquidation, while Chapter 13 is a reorganization. Both individuals and business entities can file for Chapter 7, but only individuals can file for Chapter 13. To qualify for Chapter 7, one’s disposable income needs to be low enough to pass a means test, and there are limits on the amount of debt allowed. Chapter 13, on the other hand, takes three to five years to complete. In Chapter 7, a trustee can sell nonexempt property to pay creditors, while in Chapter 13, debtors generally keep all of their property but may have to pay unsecured creditors an amount equal to the value of nonexempt assets. Additionally, Chapter 13 allows for removing unsecured junior liens from real property through lien stripping and reducing the principal loan balance on secured debts through a loan cramdown, which Chapter 7 does not allow.

Timing of bankruptcy discharges varies depending on the chapter under which a case was filed. In Chapter 7 cases, courts typically grant discharges promptly on expiration of times fixed for filing complaints objecting to discharges and the time fixed for filing a motion to dismiss the case for substantial abuse, usually about four months after the date a person files a petition with the clerk of the bankruptcy court. In Chapter 13 cases, the court will grant a discharge as soon as practicable after a person completes all payments under their repayment plan. Because a Chapter 13 plan provides for payments to be made over three to five years, a discharge often occurs around four years after the date of filing.