Cheddar's Guide
Cheddar's Guide to Chapter 13 vs. Chapter 7
Pounce or sunbeam? Which chapter fits your life.
Every hero has an origin story. Yours can start here. Chapter 7 and Chapter 13 help for Arizona families, from a lawyer who answers his own phone and the Bankruptcy Cats, seven cats who keep him in line.
Whatever landed you here, you have options. Jeff walks you through them in plain English, and there's no pressure to file unless bankruptcy is truly the right move.
For many people with limited income, Chapter 7 can wipe out qualifying debts like credit cards and medical bills, often in a few months.
A court-approved payment plan that can help you catch up on your house or car while you keep them. The long nap in a sunbeam.
Filing triggers the automatic stay, which generally stops foreclosure sales, wage garnishments and collection calls in their tracks.
Jeff has over 20 years of experience. He also has seven cats. By day they're purr-a-legals. When debt strikes, they suit up. Every one has a superpower, and they take their jobs very seriously.
Brooding, caped and crowned. Rules the house benevolently and makes sure your matter lands with the right cat. Doesn't start fights. Ends them.
The Dark Whisker's loyal sidekick. Calm, gentle brown-gray tabby who drafts pleadings and digs into the research. Always looking out for whoever needs help.
Protégé of the Dark Whisker and the Wonder Kit, her brothers, who found and raised her. Sleek black cat who gently herds every paystub and statement into place.
Family matriarch and Amazon queen of the house. She swings a golden ball of yarn like a lasso, but mostly she just plays with it and leaves creditors hopelessly tangled. Makes the rules, doesn't follow them, and keeps everyone laughing.
Lynx-point Siamese, Athena's daughter, and keeper of the case file. Her lightning-eyed look is one only a mom can give.
Confident orange tabby and quarterback of the house. Writes the blog, stars in the videos, loves the clients loudly.
All claws and attitude. Cheddar's probable littermate and a relentless tracker. If a case document exists, Rocky finds it.
Arizona bankruptcy attorney, can operate the can opener, and answers his own phone. No cape required.
Talk to Jeff
Mild-mannered marketing cat at Jeff Biddle Law. Writes the blog, stars in the videos, and definitely doesn't own a cape.
Defender of Arizona families. Calls in Jeff and the rest of the Bankruptcy Cats to fight garnishments, foreclosures and those relentless collection calls.
Faster than a creditor's phone call.
More powerful than a wage garnishment.
Able to stop most collection actions with a single filing.*
*Filing a bankruptcy case triggers the automatic stay, which generally halts foreclosures, garnishments and collection efforts. Some exceptions apply; results depend on your situation.Real Arizona bankruptcy info, minus the legalese, plus some cat hair. (Posts coming soon.)
Pounce or sunbeam? Which chapter fits your life.
How to make the phone stop ringing.
Rebuilding, one treat at a time.
Call or text and you'll reach Jeff directly. Tell us what's going on and we'll help you figure out your options, no pressure.
Email Jeff: jeff@thebiddlelawfirm.com
Email the cats: bankruptcycat@mail.grokbot.com
Mail: P.O. Box 12527, Chandler, AZ 85248
Serving clients throughout Arizona
Light up the sky and email the Bankruptcy Cats. They'll get the right human on it.
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