Today was a pretty exciting day…if you are a bankruptcy attorney in Arizona. In fact, if you are needing to file bankruptcy and you live in the great state of Arizona you should be excited as well. Or at a minimum slightly interested in what the Arizona legislature did. They raised the exemption limits. When we strip it all away what this means for people in Arizona who are going through the bankruptcy process is that they will be able to keep more of their stuff as they go through [...]
No one wants to file bankruptcy…but if you are going to file, you want it to be successful. After all, you are going to take the hit to your credit you might as well make it count. Here are five super important keys to bankruptcy success for those of you who live in Arizona (and other places as well): #1 – Trust Your Bankruptcy Lawyer Your bankruptcy lawyer is here to help you. Pretty much all of the bankruptcy lawyers I know here in Arizona are good people who truly [...]
Once you pick a bankruptcy lawyer you can set this puppy on auto-pilot and you are good to go – right? Not right. You need to view your chosen bankruptcy lawyer more as a guide through the bankruptcy journey rather than captain of the bankruptcy cruise. Here are three responsibilities that are now yours: 1. Complete and Total Honesty Don’t ever lie to your bankruptcy attorney. Don’t ever hide anything from your bankruptcy attorney. Remember, you are on the same the team. Your lawyer wants to help you through this process with [...]
Here we are. New year. If you are like me you look back and evaluate whether or not you met last year’s goals. And if you are like me you didn’t reach some of your goals. If you are still dealing with the same debt you had last year – which is likely much larger than it was last year – the time to deal with your debt problem is now. Don’t go another year bearing the weight of overwhelming debt. I know you don’t want to file bankruptcy. Nobody [...]
Another year is in the books. Looking back over 2012 I wrote over 80 articles on bankruptcy. Hopefully these have provided some value and direction for those of you who are dealing with the all-encompassing and very stressful burden of debt. My goal on the blog is to not only provide valuable information but to provide hope. Hope that even though you are in what feels like your darkest hour, that there is hope and there is a way out. Here are five of my favorite articles from the blog [...]
Sometimes, after all the stress, the paperwork, and the gut wrenching that went into making the decision to file for bankruptcy, people will want out. The reasons vary. Often there is a change in circumstances making the bankruptcy no longer necessary – or at least no longer the only path for dealing with your debt problem. Sometimes clients withhold information from me in the preparation of their bankruptcy case and then when it comes out after we have filed (and it always comes out), the consequences for withholding the information [...]
When I was a kid I remember my Dad mentioning how stressful Christmas is. I didn’t understand how the greatest time of the year could be stressful. But now as a father to six kids, I know what he was talking about. Frankly, Christmas is expensive. Even if you don’t spend a lot of money on the holidays you are spending more than you do in any of the other 11 months. For most, Christmas spending is not in the budget, so we compensate by putting gifts on the ol’ [...]
Last Sunday I listened to a sermon on hope and faith and how what it all really boils down to is our hope for something better or a continuation of the good relationships we now have. And while I am not comparing the Gospel to bankruptcy law I of course tend to draw parallels between non-bankruptcy topics and what I do for a living every day. And to me, one of the best things about practicing bankruptcy law is the ability to provide hope to people who are often going [...]
When times are tough it is natural that we turn to those closest to us when we need help. Society as a whole is seeing large numbers of ‘boomerang’ kids – adult children who move back home after college or when dealing with a financial crisis. Most of the parents I meet with are happy to help and will do anything that can to help their children. And that is where the problems lies - they will do anything to help out. Often this means that the parents carry the [...]
Often people will delay their bankruptcy filing. They aren’t sure if they should file, they don’t want to file, they don’t know how to file, or don’t have the money to hire an attorney to file. Delay in the debt collection world usually means things get progressively worse. The longer a debt is outstanding the higher the chance that the creditor will file a lawsuit, garnish wages, bank accounts, or take property. Often people come to me after they receive notice of a wage garnishment or a possible foreclosure sale [...]
When it comes to hiring a bankruptcy attorney you have a lot of choices out there. No doubt that prior to finding my website you surfed through various bankruptcy attorney’s websites and have read what they have to say…so why should you hire me?
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We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code. The services, benefits, or assistance we provide in connection with consumer debts may involve bankruptcy relief under the Bankruptcy Code.