A question we get asked all the time by clients who walk through our door is, “Can I file for bankruptcy by myself?” Technically, the answer is yes, but we advise generally against it. The State of Arizona allows individuals to represent themselves in Bankruptcy Court, but here’s the thing – when your pipes explode, or your […]

These days, it is nearly impossible for ordinary, hard-working Americans to live without a credit card. Credit has a massive impact on whether or not you can buy a house, buy a car, enter into a rental agreement – it can even affect your job prospects! Sometimes circumstances beyond our control can have us all […]

Have you ever applied for a rental or mortgage application? Have you tried to get a low interest rate on a vehicle or insurance for that vehicle? How about applied for a new job? There is one thing that can affect all of these major life events: your credit score. We’ve all felt the impact […]

A new study indicates as many as 40 million consumers have a mistake on their credit report and Steve Kroft finds it’s hard to get them fixed. February 10, 2013 4:00 PM

Trustee is a word that you may hear thrown around a lot when you are in the bankruptcy process, but what exactly is it? The simple answer is that a trustee is an individual that is assigned by the US Department of Justice to investigate the debtor and the debtor’s assets. A large part of […]

There are more and more bankruptcies occurring on a day to day basis. This is happening for a variety of reasons. People have different types of debt; many are looking down the barrel of student loan debt, as well as credit card debt. When these levels become too high, many people are going to look […]

Garnishment is one thing that is very difficult to deal with. It is a method of collecting on debt that you do not want to have to deal with if you are able to avoid it. Creditors can take up to 25% of the debtor’s net pay, and no one needs to say that this […]

A topic often discussed with a bankruptcy attorney is the manner in which a bankruptcy will affect tax returns. Many people assume that future refunds will be off-set against what they owe. Others think that their tax return will be withheld for a long period of time. When a Chapter 7 petitions are filed, the […]

How Timing May Affect Your Bankruptcy Filing Getting the most out of your bankruptcy filing can depend a great deal upon the timing. In some cases a delay could be in your best interests, while in other cases you should probably file immediately. The laws of your specific state will have a huge bearing on […]

Many people feel they can file for individual bankruptcy without affecting their spouse however this is not always the case. The manner in which your specific debts and assets will be treated should bankruptcy be filed is largely dependent upon whether you reside in a state which operates under community property or one that is […]