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Determine If You Qualify for Chapter 12 Bankruptcy Designed to Help Farmers and Ranchers

Chapter 12 Bankruptcy Lawyer in Mesa

Debt Relief for Farmers & Ranchers

Chapter 12 bankruptcy is the most rarely used chapter of the Bankruptcy Code. In the right situation, however, it can also be the most powerful. At Campbell & Coombs, P.C., we can guide you through the process, helping you break free of overwhelming debt associated with a family farm, ranch or fishing operation. We handle bankruptcy cases for clients all across Arizona. Our Mesa bankruptcy attorneys can discuss your debt during a confidential consultation.

About Chapter 12 Bankruptcy

Chapter 12 is designed for family farmers or ranchers with regular annual income. It enables farmers to propose and carry out a plan to repay their debts.

There are many reasons to choose Chapter 12:

  • It is more streamlined and less complicated
  • It is generally less expensive to file than Chapter 11 bankruptcy
  • It is more appropriate for farming debt than Chapter 7.

In creating this chapter, Congress sought to combine the features of the Bankruptcy Code that can provide a framework for successful family farmer reorganizations. Under Chapter 12, you may propose a repayment for all or part of your debts, paid to creditors in installments over three to five years. Three years is the preferred repayment period, but courts may approve a longer repayment period "for cause." You may even be able to modify or reduce the mortgage on your homestead farmhouse.

Personalized Counsel at Every Step

At Campbell & Coombs, P.C., we are dedicated to providing personalized service in an impersonal world. Our dedication means that we give advice for the best possible solutions on a case-by-case basis. It means that your Chapter 12 bankruptcy case will be personally handled by a qualified and experienced bankruptcy attorney – not a paralegal or secretary. You deserve favorable results from an attorney who cares about you and makes time to answer your questions.

If you are interested in effective debt relief, contact our office at (480) 568-2333.

Testimonials From Our Clients

  • “They helped us budget and find the best way to complete the plan.”

    Alice I.

  • “Your firm was patient and helpful.”


  • “His kind ways and professional approach were so refreshing.”

    Butch K.

  • “Thank you for guiding us to make the best decisions.”

    Chad H.

  • “I would recommend their services to anyone who needed it.”

    Mary B.

  • “Your staff was very nice. The office did a professional job.”

    Anh H.

  • “He was always ahead of the game and answered our questions before we could ask them.”

    Yvonne W.

  • “We are extremely satisfied, very happy and appreciative of everyone's help in your office. ”

    Raad T.

  • “Thanks again for getting us through a difficult time.”

    Lisa S.

  • “Very responsive to our needs and questions and got great results!”

    Mike L.

  • “Ms. Sandoval has been really helpful and truly caring about our situation.”

    Craig M.

  • “Mr. Campbell is incredibly knowledgeable on all aspects of the law and makes you feel comfortable throughout the entire process. ”

    John L.

  • “He was able to remove debt I wasn't expecting to go away. That was a bonus.”

    Liz S.

  • “They were always very professional and very patient with our many questions. ”


  • “Hal has the clients best interest in mind and does everything he can to ease their stress level.”

    Patti D.

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