Arizona Bankruptcy Attorneys Discuss Payments Within 90 Days of Filing Bankruptcy One question that often comes up in consumer bankruptcy cases in Arizona is: When should I stop using my credit cards? Good advice would be to immediately stop
U.S. Supreme Court’s Recent Ruling Turns 9th Circuit “Projected Disposable Income” Calculation Precedent on Its Head Many individuals seeking debt relief by filing for bankruptcy discover that the “Means Test”, found in 11 U.S.C. §§ 707(b)(2) and 1325(b)(2), requires them
Should I File For Bankruptcy Before My Car Is Repossessed? For many people struggling with their finances, the threat of losing a vehicle through repossession may be the final straw that drives them to discuss their case with a bankruptcy
As the recession continues more people who have been able to hold off a bankruptcy are finding themselves with no other option but to file. Just this last March 149,268 bankruptcies were filed in the United States. According the American
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CAN I DISCHARGE DEBTS TO A FORMER SPOUSE IN BANKRUPTCY? Certain debts to a spouse or former spouse may be discharged in a bankruptcy. However, the rules are quite complicated and you should carefully discuss the debts with a knowledgeable
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After several years of the worst recession in our life time, and years of depressing economic news, it appears that the first signs of good economic news are beginning to trickle in. Unfortunately, this will not slow down consumer bankruptcies,
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A recent New York Times Article, No Help In Sight, More Homeowners Walk Away, published February 2, 2010, suggested that more homeowners than any time in recent history are electing to walk away from real-estate that has no equity, or
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Many Arizona residents are aware that they are allowed a “homestead” exemption for equity in their primary residence. Many bankruptcy attorneys are aware of this fact as well. Currently, the homestead exemption in Arizona is $150,000. In the past, it
Many clients have been concerned with whether they are able to keep funds in an institution to which they owe other debts. For example, a client may have a savings account with ABC Bank, and also have their car loan,
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Bankruptcy clients often have a difficult time determining which chapter to file under. The Chapter 7 is the most commonly considered type of bankruptcy. It is faster, cheaper, simpler, and the entire case is usually concluded within months. However, for
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