The Moak Law Firm

The Moak Law Firm


Firm Overview

I BELIEVE DEBT IS SLAVERY and that people who are in debt are on the road to bondage. Many people have taken on more debt than they can handle often due to circumstances outside of their own control. Perhaps they have had an unexpected reduction in their income (job loss, illness, divorce, failed business) and find themselves living in FEAR as they experience that sickening feeling when the phone rings or they hear a knock at the door because they know that debt collectors are calling again and several have already threatened that a lawsuit is coming. Often they are driven to ANGER and then utter HELPLESSNESS because they cannot see any way out of the overwhelming debt cycle created by the creditors who have the goal of making them debt serfs for life. Clients at The Moak Law Firm are taking action and are making the necessary commitment to end the slavery of debt and are taking control of their financial future by hiring The Moak Law Firm. You too can eliminate most, if not all, of your debts and stop the slavery through bankruptcy or debt negotiation.

The vast majority of American families are hard working and pay their bills. However, a larger than usual number of households are drastically over extended and are buried in debt. For many of us the debt was a consequence of circumstances beyond our control. Despite our best efforts, life can throw us a curve ball...job loss, unexpected medical bills or even soaring tax obligations which we simply are unable to pay. The economy has suffered a significant decline which was due to government representatives and bankers who traded our economic security for political payoffs, power and greed. Some of us simply made mistakes believing that we could use debt to soften the blow from the economy down-turn and make up the shortage in our income when the economy got better. Whatever the circumstances, at The Moak Law Firm, we understand such circumstances and are committed to providing real solutions. It is for this reason, our Arizona bankruptcy attorneys vigorously work with families to provide them with effective legal counsel in resolving their debt issues.


Our Arizona bankruptcy lawyers are experienced in putting together effective strategies for resolving debt. One of the first steps to take is to call us so we can assess your financial situation and provide advice regarding whether there is a viable alternative to bankruptcy available to you. If we determine that bankruptcy is your best option, we will explain to you which type of bankruptcy is most appropriate for your financial circumstances. If you qualify, a Chapter 7 or a Chapter 13 bankruptcy can successfully discharge your debt obligations.

For example, while not everyone qualifies for a Chapter 7, we can help you take a means test to determine whether you do or do not. Filing for bankruptcy is a complex process that is best achieved with the assistance of an experienced bankruptcy attorney. There are many benefits from filing bankruptcy which our legal team can discuss with you, as well review the entire bankruptcy process so that you feel comfortable with it. To determine whether bankruptcy is appropriate for you, call our bankruptcy law office today.


This is when sound legal advice from a knowledgeable bankruptcy attorney can be of tremendous importance. Sorting out financial matters is no simple task and can often be very emotionally draining for the entire family. Decisions about the direction you take in this regard can impact you and your family for many years to come. When so much is at stake, you cannot afford to take such matters lightly. Therefore, we encourage you to call our bankruptcy law office today so that we can determine which option is right for you.


While bankruptcy may be appropriate for some, others may want to learn more about other approaches to debt resolution that do not involve bankruptcy. These include debt settlement, debt negotiation, debt relief, debt consolidation and debt counseling. Our bankruptcy lawyers can help put an end to creditor harassment, repossessions and wage garnishment when you retain us to represent you. We also assist families or individuals who are facing foreclosure with remedies that include loan modification, short sale, or deed in lieu of foreclosure.
Main Office
Main Office
1820 E. Ray Rd.
Chandler  AZ  85225
  • 480-525-7616
At The Moak Law Firm, we understand such circumstances and are committed to providing real solutions.
Bankruptcy is the opportunity to start a new financial life without the burden of having to pay debts you cannot pay. The concept of requiring that creditors forgive the debts of their debtors periodically has been around for thousands of years; see Deuteronomy 15:1-2. In the United States it is a means to end the seemingly endless problem of not having enough money to pay your obligations. It does not mean the end of your life. America's Founding Fathers made sure bankruptcy was provided for in the Constitution. We've had bankruptcy in the United States since the 1800s! Bankruptcy has gone back and forth over the years swaying between what is better for the creditors or better for the debtors depending on the latest laws enacted by Congress. For people in Arizona, Bankruptcy has always been an option. However, these laws change from to time to time and there are different rules and practices for different geographical areas of the state. The ever-changing hoops to crawl through require a competent guide.

The two common types of personal bankruptcies filed are Chapter 7 and Chapter 13.

Chapter 7 Liquidation:
Chapter 7 bankruptcy in Arizona enables you to eliminate most, if not all, of your debts, but may require you to forfeit some assets which are not protected by exemption laws. For over 90% of those filing bankruptcy under chapter 7 the debtor does not have to forfeit any assets. Those are called "no asset" cases. Competent legal representation will help you protect the assets you have.

Chapter 13 Reorganization:
Chapter 13 bankruptcy in Arizona does not require you to forfeit any assets but focuses on your budget. Instead of requiring you to give up your nonexempt assets, the court wants you to give up your excess or disposable income in the form of a monthly payment for a period of time. Most of those filing bankruptcy using chapter 13 are not required to pay all of their debts.


Reduction in Income:
Has your income been reduced due to reduction in wages, job layoffs or termination? Have you or your spouse suffered such a loss? Have you suffered a significant reduction in your business income due to the economy? Losing your job or suffering business losses can be devastating. Most households can't last for more than a couple months without income. What can you do to get back on your feet? Call The Moak Law Firm for solutions that will work for you.

Have you been struggling to pay your mortgage? Does the bank want to move in? Do you have a foreclosure date? Would you like to know how you can keep your home? Would you like to know how to keep your family safe?

Wage Garnishment:
Is your creditor grabbing money out of your paycheck before you even see it? Can you survive if your paycheck is cut by 25% every pay day? Would you like to put a stop to the garnishment? You have options.

Large Medical Bills:
Medical emergencies come with no warning and are very costly even with insurance. Loss of time at work and high medical bills can sink you faster than the Titanic. There is a way to get you back on your feet.

Has Your Car or Other Property Been Repossessed?
Have you missed payments on your car or other property? Are you afraid to wake up one day and find your car missing? Did you know you can keep most of your belongings through bankruptcy? That means your car too.

Are you and your spouse planning to divorce? Each of you may be liable for debts you both used to share? Are you unsure about what the future will bring?

Walter E. Moak


Walter has been practicing law in Arizona for over 30 years. Prior to admission to the State Bar of Arizona, he served as a legal assistant and bailiff to Judge Kenneth Chatwin of the Maricopa County Superior Court. He has tried legal cases in most of the counties in Arizona and has conducted over 50 jury trials. He has served as the managing attorney of the Arizona office for the largest consumer bankruptcy firm in the nation. He holds a license as a real estate sales agent and has worked as a mortgage loan officer. During the early part of his career, he represented a very active Real Estate firm and home builder. He served as a real estate loan-closing attorney, performed title searches and wrote opinion letters attesting to the validity of title on real estate prior to sale. He served as the Arizona Trial Counsel for ITT Hartford, the Southwest Regional Manager for the legal offices at Allstate Insurance Company. He has a strong background as a consumer advocate protecting the rights of debtors and injury victims.

Other Considerations/Memberships:
State Bar of Arizona since 1977
Maricopa County Bar Association
American Bar Association
National Association of Consumer Bankruptcy Attorneys
Bankruptcy Academy
National Association of Virtual Bankruptcy Assistants
Admitted to practice in all Arizona State Courts and U.S. District court for the District of Arizona
BV rating from Martindale-Hubbel which is the highest award given for legal ability and high ethical standard
Legal Match Certified