Coping with Stress

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 sheriff came by my client’s home to give notice of the upcoming foreclosure hearing. [...]

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 percent from 2010 so far this year. Bankruptcy has been filed more than 106,000 [...]

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.  You will be able to re-establish and re-build your credit after [...]

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 a successful outcome of the proceedings. However, the importance of an [...]

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 protects less of your assets than it might otherwise be able to, [...]