(480) 967-7729




About Gary

Experience and Philosphy

I have represented debtors, creditors, and trustees in Chapter 7, 11 and 13 cases. I believe that seeing cases from the perspective of judges, administrative agencies, creditors, trustees and debtors gives me a perspective which few other bankruptcy attorneys enjoy.


My current bankruptcy practice focuses primarily on debtor representation. I graduated from ASU law school in 1981. Since that time I have served as a law clerk to two federal bankruptcy judges, an Attorney Advisor for the Office of the United States Trustee (District of Arizona)(a division of the U.S. Department of Justice charged with overseeing the Bankruptcy System), and as an associate at a medium-sized law firm where I primarily did collection work for banks. I have been a solo practitioner since December of 2000.


The decision to file bankruptcy is often difficult and even heart-wrenching. I strive to gently guide clients through the process and to help them focus on their future. I provide compassionate, personalized attention while being direct and providing a realistic assessment of the case based upon my experience and knowledge. Clients will deal with me, not a secretary, associate or paralegal.



My practice emphasizes helping individuals, married couples and small businesses in Chapter 7 (liquidation), Chapter 13 (commonly referred to as a wage earner plan) and Chapter 11 (reorganization).  

I also occasionally assist credit unions and individuals with creditor bankruptcy  issues.

Bankruptcy will stop creditor harassment and in most instances will allow you emerge virtually debt free while retaining most of your property. Your situation should be reviewed by an experienced bankruptcy attorney to determine the relief available.


Most commentators agree that the country is facing a student loan crisis with over a trillion dollars in outstanding student loans.

While dealing with these lenders can be difficult and frustrating, there may be ways that I can assist you -- income based repayment plans, workouts, debt forgiveness for public servants or teachers, disability, school closure or fraud, and discharge in bankruptcy.  Although it is very difficult to obtain a bankruptcy discharge, you should have an experienced bankruptcy attorney review your situation.


Are you being harassed by creditors or have you been sued?  There may be ways to stop creditor harassment even outside of bankruptcy.  There may be defenses to a lawsuit.

Generally,, unless you have given creditors a lien on your proprty or have money on deposit with them, they cannot garnish your wages, seize your bank accounts or otherwise get to your assets until they  get judgment.  That means they have to prove their case to the judge.

Sometimes it is better to try for a workout or to defend the suit than to file bankruptcy.  Agaim, your situation should be reviewed by competent counsel to help you determine the best course of action.

 Debt Relief Agency.  We proudly assist people and small businesses in obtaining a fresh start through use of the bankruptcy laws 


Please read carefully. The information contained on this site is for general informational purposes only. It is not, nor is it intended to be, legal advice. Every legal situation is unique. The general principles and comments on this website may not (and probably will not) provide you with the answers you are looking for.  You should consult an attorney for specific advice concerning your particular set of circumstances. 

Viewing the information on this website does not create an attorney-client relationship.  No attorney client relationship is created until we receive a signed written agreement confirming our retention as your legal counsel and setting forth satisfactory payment arrangements for services and costs.

Contact Us

We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a path to financial freedom.

Gary V. Ringler PLLC

1628 E Southern Ave., Suite 9 - PMB 102, Tempe, Arizona 85282, United States

(480) 967-7729
Office Hours by appointment
1745 East Alma School Road
Suite 100
Mesa, AZ 85210

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