Chapter 12 Determine If You Qualify for 
Chapter 12 Bankruptcy

Designed to Help Farmers and Ranchers

Chapter 12 Attorney in Phoenix

Providing 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 the Law Office of Harold E. Campbell 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 Phoenix Chapter 12 attorney can discuss your debt during a confidential consultation.

Contact us online or call (480) 568-2333 for help with debt relief through Chapter 12 bankruptcy.

What Is Chapter 12 Bankruptcy & How Does It Help?

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.

Reasons to choose Chapter 12 include:

  • It is more streamlined and less complicated
  • It is generally less expensive to file than Chapter 11
  • 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.

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

Serving Arizona

40+ years of legal counsel and representation to help you overcome the complicated process of bankruptcy and tax resolution.