Archive | November, 2010

Phoenix Bankruptcy Resources, Bankruptcy Lawyer Website, Arizona Bankruptcy Blog, etc. etc. etc.

Hello folks, I hope you are all having a wonderful Tuesday. Today I want to create a post that gathers up all the fun little online resources I have put together in one place. Recently, I have had several clients tell me that they had no idea I have a great Arizona bankruptcy blog or that I offer [...]

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Common Bankruptcy Myths: Don’t Believe Everything You Hear About Filing For Arizona Bankruptcy Protection

Common scenario: a potential debtor comes into my office frantic because he is buried under a mountain of debt. Car loans, credit card debt, unpaid taxes, an under-water second mortgage – you name it, he has it. Yet he is 8 feet under, dead set against filing for bankruptcy and only wants a consultation regarding [...]

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Phoenix Bankruptcy Chapter 13 to Chapter 7 Conversions

Hello folks, I hope you are all having a great Thursday. It is almost the end of the week, so there is at least one thing to be happy about today. If you are anything like me, your mind is already starting to wander towards mashed potatoes and pumpkin pie. Let me be frank and [...]

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Can Student Loans Be Discharged in Bankruptcy? What About Child Support Debts? Alimony?

I am back folks. But, I have to admit that this will be a short one. I am in Tucson today for a 341 hearing, which means about 5 hours of commuting. Ah well, it a beautiful day and a scenic drive through the desert – things could be worse. A majority of my clients come [...]

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Why in the World Would I File a Chapter 13 Bankruptcy, and Pay a Monthly Payment for the Next 5 Years, When I Could File a Chapter 7 Bankruptcy and Eliminate My Debt Immediately?

Why in the world would I file a chapter 13 bankruptcy, and pay a monthly payment for the next 5 years, when I could file a chapter 7 bankruptcy and eliminate my debt immediately? Good question. And believe me; you are not alone in wondering this. However, I have been doing this a while so [...]

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Getting Rid of a HELOC in Bankruptcy

Ok, pop quiz time. For those of you that are familiar with the term HELOC (Home Equity Line of Credit), please answer the following question: A HELOC is most similar to: A Credit Card (or other unsecured debt) A Home Mortgage (debt secured by home equity) A man that comes and opens your doors when [...]

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I’m Broke, How Am I Supposed To Afford Attorneys Fees When Filing For Chapter 7 Bankruptcy?

Believe me, I get it. By the time you come into my office, you are likely months behind on credit card bills, getting threatening phone calls from you mortgage lender regarding last month’s missing payment, and your car is currently hiding in the garage from the repo man. So, it is of no surprise to [...]

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Bankruptcy Basics: Introduction to Chapter 7, Chapter 11 and Chapter 13 Bankruptcy

If you are anything like me, you have just had a huge lunch and are ready to sit back and relax… rest and digest. What I am thinking is that it is movie time….are you with me? Today I have included a clip from the US Bankruptcy Courts that presents general information regarding the three most common [...]

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It’s Back – Hump Day Humor! Bankruptcy Humor From a Bankruptcy Attorney

I have to admit, it has been a loooooong time since I have given you guys a Wednesday chuckle. See, it is not that I don’t have a sense of humor or that I don’t care if you have any humnor in your day. Instead, the problem is simply that bankruptcy is not all that [...]

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Phoenix Bankruptcy Lawyer: Bankruptcy Basics

Are you considering bankruptcy? Wondering if bankruptcy can eliminate your debt? Stop creditor harassment? Prevent foreclosure? Save your car? Do you want to learn more about the bankruptcy process? Are you wondering about the differences between bankruptcy chapters? Are you curious as to how the 2005 amendments to the bankruptcy code changed the process of [...]

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