Chapter 7 bankruptcy is designed to eliminate unsecured debt (such as credit card, medical and utility bills).  Once you receive a Chapter 7 debt discharge, you no longer owe that debt. 

The Chapter 13 code is designed to allow people more time to repay their debts (interest-free and at much, much lower rates).  Chapter 13 is also designed to stop foreclosure and repossessions.

Student Loan Analysis

You may need a Student Loan Analysis if:

  • If you are you receiving calls from debt collectors?
  • Being threatened with lawsuit, wage garnishment, social security offset, or tax refund offset?
  • Wondering if you qualify for public service/teacher loan forgiveness?
  • Being sued for a student loan?
  • In default but not sure how to get out?
  • Unable to afford your current minimum payment?
  • Wondering if you qualify for a discharge?
  • Thinking about bankruptcy?

If you answered YES to any of the above, call (928) 386-0476 to schedule a one (1) hour Student Loan Analysis by phone or in person for $200.

By the end of the Analysis, you'll have a clear idea of what you can do to better handle your situation.  Our goal is to demystify student loans -- what can and cannot happen, what options you have, and how to deal with your loans to put you in control.

Our Location


  • Trust
  • Will
  • Durable Powers of Attorney (Financial)
  • Health Care Powers of Attorney and Living Wills
  • Notarization and Witnessing of Documents

(928) 386-0476

General Bankruptcy Information

Business Law

We advise on many different aspects relating to their business, such as regulation compliance, business incorporation, document review and legal liability.

Scroll down to see more information about practice areas.

Immigration, Wills and Trusts

Melinda K. Hardy, Attorney

Simple Estate Planning, Wills and Trusts

Ch. 7 Bankruptcy, Student Loan Analysis 


  • Will
  • Durable Power of Attorney (Financial)
  • Health Care Durable Power of Attorney and Living Will
  • Notarization and Witnessing of Documents