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 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.  We protect your rights against creditors and their collection actions, while eliminating your debts.

In most cases, you will keep everything you own, including your house, vehicles, and retirement accounts.  Also, in most cases your credit score will rise substantially (not drop) after filing.  Many filers see their credit scores restored, up 100-150 points or more within 6 months of case filing, enabling you to obtain new, more favorable financing rates on future vehicle and home borrowing.    

Best of all, Meiners Law Office offers low flat fees and payment plans.  You’ll get the best customer service, experience, and low fees you deserve from the start.


The bankruptcy process works to eliminate debt.  It eliminates any of the following debts you may have: credit card debts, medical bills, collection accounts, lawsuits, judgments, garnishments, payday loans, registration loans, personal loans, repossessed car loan deficiencies, mortgage loan deficiencies, business loans, lease debts, contract debts, unsecured loans, and 2015 and older income taxes.  You can also cancel your timeshare contract you no longer wish to use without paying any more amounts due on the purchase financing agreement or ongoing yearly maintenance fees.  A true fresh start financially!

The filing of a bankruptcy case also stops all creditor activity when you file your case.  Creditor actions that are stopped include phone calls, letters, lawsuits, bank levies, garnishments, repossessions, and foreclosures. During your case you can also deal with secured debts you have, and get out from any secured loan you choose.  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.
  • 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.