To avoid being repeatedly called up by your creditors you should call up the services of an Arizona Chapter 13 Lawyers establishment before filing for bankruptcy. The law states that once a person files for bankruptcy he is legally insulated of calls from creditors. It is also stated that if a person files for a chapter 13 bankruptcy he is legally entitled to retain his house, car and most of his assets. Keeping these clauses in mind you should immediately hire an Arizona Chapter 13 Lawyer if you are considering declaring bankruptcy. The lawyer will argue your case in court and help you file your case under chapter 13, if you are eligible for it. Hiring a lawyer at the very first stage helps to a large extent in reducing your work load and anxiety level. A bankruptcy lawyer is the most important factor that influences the outcome of your case, having a lawyer by your side tilts the scale in favor of you big time.