The Sheriff Came to My Home, Have I Committed a Crime? I received a call yesterday from a client who was concerned about a recent visit from the sheriff. After a Homeowners Association instituted foreclosure proceedings because of delinquent dues, the ... Read full article
How Can I Pay For Bankruptcy? At first blush, the title of this post “When You’re Too Broke to File Bankruptcy” may seem counter intuitive to some. After all, isn’t it people who are by definition “broke” and struggling with debt who turn to bankruptcy to ... Read full article
Bankruptcy Filings Lower in Tucson, Arizona and Phoenix, Arizona Than Last Year Arizona bankruptcies have been declining in number for the last 9 months. Statewide filings fell 23 percent in October of 2011, and overall bankruptcy filings are down 13 ... Read full article
In September of 2011 I took an informal survey of National Association of Consumer Bankruptcy Attorney (“NACBA”) members on professional burnout. Through a post on the NACBA listserv discussion group I asked NACBA members to rate on a scale of 1 to 10 how ... Read full article
The good news is there is life after bankruptcy! Although filing a bankruptcy, either Chapter 7 or Chapter 13, will have a negative initial impact on your credit score, filing a bankruptcy case does not mean that you will never be extended credit again. ... Read full article
In the current home foreclosure crisis, it seems some banks have become trigger happy. It has become a bit of a recent anomaly why banks have suddenly and mistakenly gone after some homeowners with whom they have no claim. Recently, Bank of America ... Read full article
According to the state bar, 40-50% of Arizona bankruptcy filings occur without an attorney (“pro se” in legalese). Most individuals who file for bankruptcy are at rock bottom, and do not believe they can afford an attorney, or that it will be necessary to ... Read full article
Recently in San Diego, two extreme examples of apparent financial woes have led to tragic ends. http://www.signonsandiego.com/news/2011/jun/07/services-held-two-families-separate-murder-suicide/ ... Read full article
Often, people wait too long to file bankruptcy. Considering bankruptcy to be a last resort is probably a wise thing to do, and there are often many things an individual can do to prevent bankruptcy. However, waiting too long can mean that bankruptcy ... Read full article
It is no secret than many Americans are one tragedy away from financial hardship in the form of accidents, the loss of a job, a divorce, or an unexpected illness. More than half of all bankruptcies are reportedly the result of overwhelming medical ... Read full article
“I am an old man and have known a great many troubles, but most of them never happened.” Mark Twain To be sure, stress is a constant for many of us in this fast paced, high tech day and age. Pressure and anxiety are an expected part of many professions, ... Read full article
Most of my Atlanta bankruptcy clients become concerned when they learn that they will have to make at least one Court appearance after filing their Chapter 7 or Chapter 13 bankruptcy case. I am able to put most clients’ minds at ease by advising this ... Read full article
