Meiners Law Office, PLC
Ross K. Meiners, Esq.
A Bankruptcy Law Firm
CALL (520) 777-2198
To Schedule A Free Bankruptcy Consultation


Meiners Law Office, PLC ranks as one of the highest rated bankruptcy filing law firms in all of Tucson.  We exclusively represents debtors in Chapter 7 and Chapter 13 bankruptcy matters. We have helped thousands of people who live all over Arizona become debt free and on their way to a new financial fresh start. Our office offers everyday low flat fees and easy and affordable payment options. You’ll get the excellent customer service and experienced counsel that you’ll need from the start.  Chapter 7 attorneys fees start as low as $1,250 per case.

Filing a case will discharge (eliminate) most of your unsecured debts, such as credit cards, medical bills, collection accounts, lawsuits, personal loans, car loans deficiencies, leases and contract liability, and income taxes liability for tax years 2016 and older. You can also get out from bad secured loans that you no longer need or can afford. You’ll face no further financial deficiency or negative credit reporting.

Tucson attorney Ross Meiners has over a decade of bankruptcy experience and will protect your rights against creditors and their collection actions. If you are being wage garnished, or face foreclosure, that will stop as soon as the case is filed. In most cases, you will keep everything you own as exempt under law, including your wages and retirement, and most filers see a credit score improvement. The reports our office gets from the credit agencies often show our clients increase their score 100 points or more within 4 months of case filing. Future borrowing your may need for a car or house will be at lower interest rates, saving you thousands of dollars over the life of the loan. 

Our office also participates in the court’s mortgage modification program to modify a mortgage that is in arrears to get it current and prevent foreclosure.  In Chapter 13 cases you can also completely eliminate second mortgages (and HOA liens and tax liens) from your home if your home is worth less than what you owe on the first mortgage.  These liens can be “stripped” off your home, so that when your case ends the only loan on your house is the first mortgage.


Attorney Meiners’ goal with every client is to eliminate debt, stop creditor actions, and protect your rights against debt collection. Your finances will be able to recover. Some common reasons clients choose Meiners Law Office include:

  • Personal attention. Personal and experienced help directly from Ross Meiners, the attorney working on your case. Mr. Meiners guides clients through the entire bankruptcy process, handling every detail with care.  He prepares and files your case personally.
  • Low flat fees.  Our fees are affordable so you can get the quality representation you need to deal with your creditors.
  • Compassion. Mr. Meiners truly cares about his clients’ finances and struggles. He understands that most financial problems that require a filing result from circumstances outside his clients’ control and wants to help people get back on track.
  • Accurate advice. Attorney Meiners keeps current on recent developments in bankruptcy law, staying on top of new strategies to provide clients with the latest and most effective debt relief solutions.  Attorney Meiners only practices bankruptcy law, and updates his knowledge daily on the constantly changing bankruptcy law and court procedures.
  • Experience. As someone who has worked on the creditor side of bankruptcy, he understands the bankruptcy process from both sides and now lends this insight to helping consumers. As your attorney who has gained past experience from the filing of hundreds of different categories of cases, he can help guide you to the best resolution for your situation. Attorney Meiners has successfully completed bankruptcy cases involving individuals, business liquidation, small business debt reorganization, tax discharge, and bankruptcy cases that need to be strategically planned alongside a pending or ongoing divorce case.
  • Mortgage modification.  Our office participates in the District of Arizona Bankruptcy Court’s new Mortgage Modification Mediation (MMM) Program.  Under this program, loan modifications are done within your Chapter 13 bankruptcy case to rework your loan, eliminating loan arrearages and often lowering your monthly mortgage payment.  We have also seen loan modifications result in the lender lowering the loan interest rate and mortgage balance.  If you are currently behind on payments to real property that you own and are facing foreclosure (trustee sale), a loan modification may be an excellent option to resolve the matter.
  • Mortgage loan catch up/ lien stripping services. Get help with your real estate financial situations – this includes allowing homeowners to catch up with delinquent mortgage payments by catching up with the arrearages over time, and also the removal of second mortgages or home equity line of credit mortgages on your home if you are eligible to strip those liens.


There are many common reasons in which a person should contact a bankruptcy attorney, which include:

  • When you have debt problems that you cannot pay and feel that the debt problem is likely to persist into the future.
  • When the stress of worrying about money is disrupting your day-to-day life or starting to consume your thoughts.
  • When you can’t sleep at night worrying about your debts or your phone is ringing off the hook.
  • If you have tax problems.  Many older taxes can be discharged in bankruptcy.
  • If you find yourself falling further behind on your payments and can’t seem to gain any ground in paying them.
  • If you are being threatened with lawsuits, garnishment, or repossession.
  • If you receive a Notice of Trustee Sale on your home and want to stop foreclosure.

Ross Meiners is a Tucson bankruptcy lawyer who believes in serving client needs to the fullest extent. Offering flexible scheduling and free initial consultations to discuss case and debt details are just two ways of meeting client needs. Fees are low, affordable, and easy to pay.

To schedule your free initial consultation, call 520-777-2198 or contact the office online. The office is in the historic Chase Bank Building in Tucson, Arizona.  Results of a bankruptcy filing described on this website apply to most filers; however, each client’s financial situation is unique and results are dependent on the factual and legal circumstances of each case.  Our office is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.