At Regazzi Law, we handle all aspects of New Mexico bankruptcy proceedings and debt relief alternatives.

Chapter 7 Bankruptcy

A New Mexico Chapter 7 bankruptcy filing is the simplest, fastest way to get out of debt. There is a means test to determine whether you are eligible to file a Chapter 7 petition. Through the means test, we will determine for you whether you are eligible for Chapter 7. If you are, we will discuss whether it’s the right option for you.

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Chapter 13 Bankruptcy

A New Mexico Chapter 13 filing is often an option when Chapter 7 relief isn’t available. It sets up a three to five year repayment period during which you will repay all or part of your debt at a pace you can handle. If Chapter 13 is right for you, we will walk you through the process of meeting with creditors and formulating a manageable payment plan.

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Chapter 11 Bankruptcy

Although it is a less commonly used option for relief than Chapter 7 or Chapter 13, it is a powerful tool for some debtors, especially businesses with a large amount of debt. We are well versed in the benefits and pitfalls of Chapter 11 and can help you navigate this complicated area of the law.

Chapter 12 Bankruptcy

If you are a farmer or fisherman, Chapter 12 may be your best option. Chapter 12 offers certain unique protections to those who are eligible. If you think you may be eligible and want to know more about Chapter 12 relief, we can answer your questions.

Lawsuits Against Creditors

Creditor harassment and unfair business practices shouldn’t be tolerated. If appropriate, we will bring an action against your creditors under the Fair Debt Collections Practices Act.

Mortgage Modifications/Foreclosure Solutions

You don’t have to lose your home. There are options. We can step in between you and your bank to work out a mutually acceptable arrangement. If necessary, we will vigorously defend your residence or business property against a foreclosure action.

Taxes and New Mexico Bankruptcy

You may have heard that filing bankruptcy won’t erase your tax liability. That’s not always the case. At Regazzi Law, we will explain to you exactly which of your taxes are dischargeable and discuss alternative methods of managing your tax liability.

Student Loans and New Mexico Bankruptcy

Student loans are sometimes, albeit rarely, dischargeable through the bankruptcy process. In some cases of undue hardship, student loans can be discharged but it’s not automatic.

General Practice

Please call us if you’re faced with a legal issue not mentioned on this page. It’s highly likely we can help you. If we can’t, we can refer you to someone who will be able to help.