If you find yourself cringing every time a new bill comes in the mail, not opening letters from creditors, or hiding from the phone when it rings in case it is a collections agency or biller on the other end of the line — it may be time to call a bankruptcy lawyer in Phoenix and discuss the option of bankruptcy.
It can be surprisingly easy to lose your financial footing. A medical problem may...Read More
By Larry Karandreas Type in the words “Phoenix Bankruptcy Attorney” in your favorite search engine and you will find a plethora of paid ad listings using terms such as “cheap” or “low fees” in order to entice you to click. Sometimes you may even see listings showing actual fee quotes to file a Chapter 7 Bankruptcy such as “$500.00,” “$699.00″ or even “$0.00 down to file” (the...Read More
When you file a Chapter 7 or Chapter 13 Bankruptcy, the automatic stay of 11 U.S.C.§362 will stop collection activity, including collection activity conducted by the IRS and the State, in most, if not all cases. To make sure that your rights are protected, proper legal representation is a key to success.
While the automatic stay is a powerful statute, there have been instances where revenue...Read More
By Larry Karandreas For the past 22 years, I have noticed that a major cause of my clients’ filing for bankruptcy relief are medical issues and debt related to their medical care. If you have large medical debt or are being sued or garnished for medical debt, filing a bankruptcy will stop medical collections in its tracks.
When you file a bankruptcy, the automatic stay created by your filing...Read More
By Larry Karandreas Before my clients file a Chapter 7 or 13 Bankruptcy, I often instruct them to stop automatic withdrawals from personal bank accounts for payments to creditors. Many times my clients are unaware of their rights with respect to such withdrawals and sometimes the banks do not make it easy for them to stop such payments. The Electronic Funds Transfer Act does provide some...Read More
Filing a Bankruptcy can be a challenge and to be successful the decision to hire a bankruptcy attorney is a critical step. Unfortunately, not all attorneys have the experience and knowledge necessary to prepare and file a bankruptcy petition.
As an experienced Chapter 7 and Chapter 13 attorney for over 20 years I have seen first-hand cases where attorneys attempted to assist debtors with their...Read More
In Arizona law, until such time as your name is no longer on the title to your home, you should continue to pay your homeowner’s association fees that are assessed. Walking away after filing a bankruptcy is sometimes not enough to eliminate your personal obligation.
No. When my youngest son’s baby tooth was just hanging there, I gave it a little tug and it came out without the assistance of a dentist. Now that his other tooth is a little bit crooked, using some pliers to straighten it out is not an option – he will need a dentist. I am not saying that preparing a bankruptcy is the same as straightening my son’s tooth. I am saying that there are...Read More
When filing a Chapter 7 or Chapter 13 Bankruptcy in Arizona, there is simply no reason to pay all the attorney’s fees up-front before your case can be accepted. It upsets me when clients call me for help with their attorney who will not return their phone calls. These clients feel trapped by an attorney who has been paid in full and has done virtually nothing. It is a mistake to pay an...Read More
I cannot recall with any clarity the number of times that a client has inquired as to filing a Chapter 7 or Chapter 13 bankruptcy and has told me a creditor just called and threatened to garnish their wages if they do not make a payment of “X amount of dollars” by “this Friday.” Such threats leave a person desperate and in panic. In a such a state of mind you can easily make mistakes in...Read More
I was not certain how to begin this blog which began with the launching of my new website, http://abankruptcylawyerwhocares.com/. I decided on the topic suggested in the title because it is a phrase I have heard from many clients. Sometimes these clients are trying to change my mind about advice given to them because that is not what happened to “their friend’s friend.” I always...Read More