Annette Marie Howe, Bankruptcy Attorney in Phoenix, Arizona

Annette concentrates on bankruptcy, civil rights, commercial re, creditor rights, and ip. Each area below outlines the kind of case Annette handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Civil Rights

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• Commercial RE

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• Creditor Rights

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• IP

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• Real Estate

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Annette's primary office is at Phoenix, AZ, 85069-5147. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Annette usually go, from the moment you request a consult to the day representation begins.

Annette discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Annette for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Annette walks through the likely range during the consult so there are no surprises.

• Does Annette offer a free consultation?

  Annette charges for the initial consult; that fee is credited toward representation if you retain Annette's office. Some bankruptcy attorneys offer free consults — check Annette's current terms during booking.

• How long do bankruptcy cases in Arizona typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Annette gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Annette take my case if I'm outside Phoenix?

  Annette is licensed in Arizona. Matters governed by Arizona law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Annette will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Annette?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Annette will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Annette accepting new bankruptcy clients right now?

  Annette's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.