Bankruptcy Attorney Lawyer
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This is the right place for you if: 

• You live in Southern Arizona.
• You are being crushed by your debts.
• You would like to wipe away your debts and get a fresh start. 

My name is Phil Abromowitz. I have been a lawyer in Tucson for 32 years. I have handled over 5,000 Chapter 7 Bankruptcies. Those are where a person’s debts are basically wiped and they don’t have to pay creditors anymore. My tucson bankruptcy practice covers all of Southern Arizona, including Pima, Pinal, Santa Cruz, Cochise, Greenlee, and Graham Counties. I have helped thousands of hard working men and women, and their families, become debt free.

I am designated as a Federally recognized “Debt Relief Agency as I help people file for Bankruptcy under the Federal Law. I am an “AV” rated attorney by the Martindale Hubbell national rating service. That is the highest rating an attorney can have. In addition, I have been twice honored by the Volunteer Lawyers Program of the Southern Arizona Legal Aid Society and the Pima County Bar Association as the Pro Bono Attorney of the Month (March 1999 and December 2001). You need to know you are dealing with a well established attorney. Through a lot of hard work, I am honored to have a good reputation. My fees are very inexpensive. However, you need to know that in 2005 all lawyers were forced to raise their fees. Please read the next section about the 2005 changes. For a Chapter 7 Bankruptcy, I charge a low flat fee of $1,500 for all of the legal work to wipe out your debts. Basically, a Chapter 7 Bankruptcy wipes out all of your debts and you can go on with your life debt free.

My office is conveniently located in East/Central Tucson at 5920 E. Pima Street, Suite 150. The easiest way to contact my office to set up an appointment, or get more information, is to call me in Tucson at 318-3200. Out of Tucson, you may call my toll-free number 1-800-615-6688, 9 a.m. to 4:00 p.m. Monday through Thursday and Friday morning. I like to supply my clients with as much basic information as possible. I have put together a nice packet of information. My secretary would be happy to send it to you free of any charge or obligation if you call us.

If you call my secretary will need to as you a few basic questions prior to sending you the free information. Because of changes in the law, she will not be able to answer questions herself. Also I must state that, until you actually hire me and a simple written Fee Agreement is signed, you are not committed to anything and we do not have a professional relationship. Thank you for visiting my Website. The following information will provide answers to many basic questions about bankruptcy. If you are interested in becoming debt free, please call me at my toll-free number. I look forward to meeting with you to go over your debt situation. Bankruptcy is like a wonderful magic wish. It is a legal opportunity to get a fresh start. Bankruptcy is a legal process. It is important that things be done properly the first time. We want to get through the bankruptcy court process smoothly. It is pretty simple from the client's standpoint! I have set out some basic information that may be of interest to you. When we get together, we can discuss any or all of these matters, plus any other questions you may have. Spending a little time in reading this information and completely filling out some paperwork will really benefit you. I have been helping people get debt free for over 32 years. With a little cooperation from you, you can enjoy life again.

THE 2005 CHANGES TO THE LAW

The bankruptcy Law was radically changed in 2005 after 8 years of lobbying by the credit card industry. I am sad to say that the credit card industry actually wrote the law. They spent over 400 million dollars on campaign contributions to get Congress and the President to pass it. The new law is nasty. It contains many traps for people who need help with wiping out their debt. It has created much extra work. As a result, many lawyers have become discouraged and have stopped taking bankruptcy case. It is now almost impossible for a non-lawyer to file their own case. Lawyers that will keep doing these cases, like me, have been forced to double our legal fees. I don’t like it. Even the court filing fee has increased significantly. The credit card companies and our legislatures who passed this law should be ashamed of what they have done. I am going to help people get a fresh start despite these extra hurdles in the new law. However, although it is more expensive, a Chapter 7 “fresh start” bankruptcy is still available to most people. The key is to not let the new law discourage or intimidate you. That is where I come in. I will guide my clients through the procedure with the goal of wiping out their debt. One of the big changes under the law is that you can’t have any bankruptcies in the 8 years before we file a new bankruptcy. A second large change is an income test. If you are below these income figures you may qualify without any big problems:

1 earner - $2,970 per month average ($35,648 yearly); 2 people in the family $3,869 ($46,429); 3 people $4,279 ($51,348); 4 people $4,848 ($58,187); 5 people $5,373 ($64,487); 6 people $5,898 ($70,787). Social Security income does not count.

*These income numbers will be raised from time to time; please check with my office.