Today, too many families are just one serious illness or one lost paycheck away from financial disaster. It might start out small with a late mortgage payment, but late charges add up fast. The next thing you know you are missing payments and your mortgage company already has zeroed in on beginning foreclosure proceedings.
When to Start Thinking About Bankruptcy
Once you are two months behind...Read More
Whenever someone files for Chapter 7 or Chapter 13 bankruptcy, they are supposed to do so in good faith. A bad faith filing means they did something to abuse the system. Your bankruptcy lawyer in Phoenix, AZ will work with you to ensure that you follow all of the rules and do everything in good faith.
Unfortunately, it appears that some Chapter 7 trustees and their attorneys are targeting...Read More
If you are already under financial stress, the thought of hiring a bankruptcy lawyer in Phoenix may seem like an unfortunately timed challenge. How can you handle legal fees on top of filing chapter 13 bankruptcy? When you are filing for bankruptcy, chapter 13 or chapter 7, it is vital to hire a bankruptcy lawyer in Phoenix to protect yourself as much as possible. The good news is that the...Read More
Different types of bankruptcies exist for the various financial situations facing consumers and businesses in the United States. Bankruptcy is not a one size fits all solution, and there are many different avenues to consider if you are filing for bankruptcy.
A bankruptcy lawyer in Phoenix can help you navigate bankruptcy law and the specifics of Arizona law. They will also help you to...Read More
If you are trying to decide between chapter 7 vs. chapter 13 bankruptcy, or looking for a chapter 13 bankruptcy lawyer in Phoenix, you should know about your options for bankruptcy in the Phoenix area. Some aspects of bankruptcy law are specific to Arizona, and an experienced chapter 13 bankruptcy lawyer in Phoenix will know about these factors better than an out- of -state lawyer would....Read More
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