Debt Relief Assistance in Mesa, Gilbert, Queen Creek & Phoenix, AZ

Our team at D.M. Bankruptcy Law Group, LLC is committed to helping Arizonans secure a fresh financial start. No matter your financial circumstances, our bankruptcy services in Mesa, AZ are designed to facilitate the debt relief you need to overcome debt and move forward with a clean slate.

We care about our clients and promise to provide non-judgmental representation. If you are experiencing financial distress due to credit card debt or medical bills, do not hesitate to reach out to learn more about how we can help. Call (480) 842-8786 or contact us online today!





    Wondering how a debt attorney help you obtain a fresh start?

    It can be easy to feel helpless in the face of mounting debt. Creditors may be threatening you with collection lawsuits, foreclosure, or wage garnishments. A skilled debt lawyer can help you obtain relief and stop damaging collection actions.

    Our team has over 20 years of collective legal experience and has successfully handled over 1,500 cases. Our attorney understands the nuances of the Bankruptcy Code and has a strong reputation in the Arizona Bankruptcy Court. When you come to our firm, Attorney Chris Dutkiewicz will work directly with you to determine how we can help.



    We represent clients from all around the Arizona East Valley in a wide-range of debt relief options. Our bankruptcy team is experienced, compassionate and understanding. Reach out to us if you’re considering any of the options below:


    Chapter 7 Bankruptcy


    This type of personal bankruptcy often makes the most sense if you face overwhelming debt but have little to no current income. However, You will need to pass the Arizona Means Test if you wish to file for Chapter 7.


    Debt Negotiation


    In some cases, negotiating your debt can make more sense than filing for bankruptcy. Our goal is to help you explore all your debt relief options.


    Chapter 13 Bankruptcy


    Filing for Chapter 13 bankruptcy involves committing to a repayment plan that addresses some (or in some rare cases, all) of your outstanding obligations. This plan will last between 3 and 5 years and consist of a single monthly payment that addresses all of your debts.




    When financial struggles hit, having your car repossessed is one of the worst things that can happen. Learn how a bankruptcy filing may help you keep your vehicle.


    Wage Garnishment


    This process is typically a last resort for creditors when they have been granted a judgment for outstanding debt. Our team can immediately solve this problem.


    Foreclosure Alternatives


    Our team has helped thousands of clients save their home after receiving a Notice of Trustee’s Sale. Contact us to explore all available remedies.


    Tax Debt Resolution


    Clients seek our help when they owe money to the IRS or Arizona Department of Revenue and do not have the means to repay. Our team works closely with you to reduce or eliminate tax debt.


    Business Bankruptcy


    Economic turbulence can put businesses from all types of industries in difficult and vulnerable financial positions. Filing for Chapter 11 bankruptcy allows you to retain control of your company and restructure business debts.


    Bank Levies


    To satisfy delinquent debts, creditors can take funds from your accounts using bank levies. We help stop collection actions before you are locked out of your accounts.


    • Debt Negotiation

      Bankruptcy is not necessarily the right choice for everyone. If you have one or two major unsecured debts and a substantial lump sum to negotiate with, you may be able to “settle” your debts for less than what you actually owe. Creditors will generally only entertain debt negotiation if they are convinced you are otherwise unable to pay the full amount. After all, receiving some payment is better than receiving no payment. We can help you negotiate a debt settlement and help you understand the potential tax implications of any forgiven debt.

    • Chapter 7 Bankruptcy

      Chapter 7 bankruptcy can be an effective choice to discharge qualifying debts if you have little or no means to repay creditors. To qualify, you must pass the Arizona Means Test, which tests whether you currently have “means” to settle outstanding obligations. You will likely be eligible to file if you have a low income or if you have very little disposable income. Completing a Chapter 7 bankruptcy involves going through a liquidation process. The bankruptcy Trustee assigned to your case will sell non-exempt property to partially compensate your creditors. You can exempt many types of property, including equity in your home and vehicle. After liquidating all non-exempt assets, you will typically be permitted to discharge remaining unsecured debts, including credit card debt and medical bills. Our team can guide you through the Chapter 7 process and work to minimize what property is sold in liquidation.

    • Chapter 13 Bankruptcy

      Filing for Chapter 13 bankruptcy can help you stop foreclosure and address and eliminate many types of debt. The process involves submitting and confirming a payment plan that addresses all of your outstanding obligations and reorganizes them into a single monthly payment. The plan will last between 3 and 5 years, and the monthly payment amount will be tied to your current ability to pay, not the total amount that you owe. Certain types of debt, including tax debt, receive a higher “priority” than other types of debt. This means that Chapter 13 bankruptcy can be used to catch up on debt you cannot discharge, including missed mortgage payments. After completing your payment plan, you will generally be allowed to discharge any remaining unsecured debts. We can help you create a payment plan that maximizes relief while still meeting all legal requirements.

    • Business Bankruptcy

      Businesses potentially have the option of filing for bankruptcy under Chapter 7 or Chapter 11 of the Bankruptcy Code. You should only consider filing for Chapter 7 if an endeavor has run its course and you wish to liquidate all business assets. Filing for Chapter 11 bankruptcy can allow you to remain in control of the business and continue its operations throughout a reorganization process. You will need to submit and confirm a Chapter 11 debt reorganization plan that sufficiently addresses all of the business’s outstanding obligations. While business entities cannot file for Chapter 13 bankruptcy, individuals running sole proprietorships can potentially secure relief for business-related debts. Individuals that own business entities may also be able to eliminate their personal responsibility for paying business-related debts. Our team can help you explore all of your debt relief options.

    • Repossession

      If you fall behind on your car payments, your lender may threaten to repossess – or take away – your vehicle. Bankruptcy’s automatic stay can freeze repossession efforts. Filing for Chapter 7 bankruptcy is typically not the most effective means of protecting your vehicle in the long term, but it can give you time to negotiate a compromise with your lender that avoids repossession. By filing for Chapter 13 bankruptcy, you force your lender to allow you to repay arrears on your vehicle loan over a period of up to 5 years. You may even qualify for a “cramdown” that reduces what you owe. We can assist you with avoiding repossession.

    • Foreclosure Alternatives

      Filing for bankruptcy can stop an imminent foreclosure and help you keep your home so long as you submit your petition before the date of the sale. Chapter 13 bankruptcy can give you the time and flexibility to reorganize your finances and catch up on missed payments. Our team can help implement many foreclosure avoidance strategies and will do everything possible to save your home. We can also connect you with an experienced real estate attorney if you wish to sell your home as a means of preventing foreclosure.

    • Tax Debt Resolution

      Creditors can garnish your wages after obtaining a collection judgment against you. This means that they can repeatedly take a portion of your regular paycheck to satisfy a debt. We can help you stop and prevent wage garnishments by filing for bankruptcy.

    • Wage Garnishment

      Contrary to popular belief, income tax debt that meets certain conditions can be discharged in a Chapter 7 or Chapter 13 bankruptcy. Tax debt that cannot be discharged can be addressed through a Chapter 13 plan, which typically allows you to repay tax debt over a period of 3 to 5 years. We can determine if any of your tax debt is dischargeable and guide you through the Chapter 13 filing process.

    • Bank Levies

      Creditors can also levy your bank accounts once they have a collection judgment against you. This involves draining a majority of your bank account – sometimes repeatedly – until a debt is satisfied. Our team can stop imminent or ongoing bank levies through bankruptcy.


    Call (480) 842-8786 or contact us online to discuss how our bankruptcy services in Mesa, AZ can benefit you.

    We offer free initial consultations and flexible payment plans.