Ariano & Reppucci Blog

Your Pet and Bankruptcy

What happens to your pet in bankruptcy? by the Phoenix bankruptcy attorneys at Ariano & Reppucci Pets can be very near and dear to our hearts through trying times. Many people even view them as family members. The question is – does the law view them the same way? In bankruptcy, your personal assets and […]

Common Myths About Filing for Bankruptcy

Bankruptcy is a form of debt relief which entails a legal process that enables debtors to wipe out their debts or consolidate and repay them. It is therefore a beneficial and powerful tool in case you find yourself in some sort of financial woe. However, it is an intricate process which has been complicated further […]

Tax Refunds and Bankruptcy

This time of year I often advise clients to wait to file Chapter 7 bankruptcy until you file your taxes, receive your tax refund, and spend it on necessary and reasonable expenses.  Depending upon when you file, the bankruptcy trustee is going to take some or all of your tax refund to pay your creditors.  […]

How Do I Repair My Credit After Filing Bankruptcy?

A lot of clients I meet with assume that filing bankruptcy will destroy their credit and they will never be able to obtain a loan.  This is a bankruptcy myth.  Initially your credit score will drop due to your bankruptcy filing; however, most of my clients see an improvement in their credit score within 12 […]

Debt Settlement Companies: Debt Settlement or Bankruptcy?

I often consult with clients who have attempted debt settlement prior to our meeting.  I’m sure debt settlement has helped many people resolve their debt issues, I only see cases where debt settlement was unsuccessful.  Most of the time these clients are in a worse position then they were prior to attempting debt settlement and […]

Can I Cancel or Dismiss My Chapter 7 Bankruptcy?

Sometimes after filing people realize they do not wish to proceed with Chapter 7 bankruptcy and would like their case dismissed. You may wondering why would anyone want their Chapter 7 bankruptcy dismissed? There are a variety of reasons as to why debtors want their case dismissed, often times due to a change in circumstances […]

How Do I Come Up with the Money to Pay for a Bankruptcy Attorney in Arizona?

Most prospective clients want to know how much my fees are and whether we have payment plans. Although we offer payment plans, like most bankruptcy attorneys in Arizona, legal fees must be paid prior to filing. Naturally the next question is “how am I supposed to pay bankruptcy fees when I cannot pay my bills?” […]

Can I File Bankruptcy Without My Spouse in Arizona?

Clients often wish to file bankruptcy alone while married to protect the other spouses credit.  Although it is possible for one spouse to file bankruptcy without the other in the state of Arizona, there may be consequences for doing so that need to be considered. Arizona is a community property state which means that most […]

Can I Use My Credit Card(s) Prior To Filing Bankruptcy?

Often clients contemplating filing Chapter 7 or Chapter 13 bankruptcy ask “Can I continue to use my credit cards prior to filing bankruptcy?” My answer is always to stop using your credit cards if you are going to be filing bankruptcy in the foreseeable future. If you have already made purchases on credit and need […]

How Fast Can You File Bankruptcy? Filing Emergency Bankruptcy.

I receive a number of calls from potential clients who are about to lose their home, are having their wages garnished, or are facing some other imminent collection activity.  Almost always the first question is, “how long does it take to file bankruptcy?”  Filing emergency bankruptcy in either Chapter 7 or Chapter 13 can take […]

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