If you are in a financial position that leads you to consider bankruptcy as an option out, be sure to contact an Arizona bankruptcy lawyer as soon as possible. You may be surprised to discover that bankruptcy attorneys can often stop debt collectors, repossessions and even foreclosure actions right in their tracks, simply by filing a petition with the nearest bankruptcy courts. For the fastest action, order your credit report from all three major credit reporting bureaus, gather your most recent bills and make a list of any outstanding credit card companies you owe money to. You will also need to gather all evidence of any income you have, whether the income is earned through work or unearned in the form of disability, child support, alimony or another resource. Bring these things with you to your bankruptcy attorneys office. With these things in hand, your attorney should be able to file quickly, stopping your collectors from taking harsh action.