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When you decide to work with us to determine if Arizona bankruptcy is the right choice for you, we will want to review all of your property (assets) and your debts. To read more about the kinds of information we will want, read our article on “Gathering All the Facts.” We will also want […]
When you have successfully completed your chapter 13 plan, you receive what is referred to as a discharge. When you receive a discharge, it means that all of the debt you included in your chapter 13 filing has been legally paid. After the discharge, creditors who were part of the process are not allowed to […]
You’ve filed your chapter 13 bankruptcy paperwork and submitted your schedules and payment plan. The meeting of creditors is completed and you’ve answered the trustee’s questions. The next step in the process is your confirmation hearing. In some courts, the confirmation hearing will happen on the same day as the meeting of creditors. In […]
What is a “Bankruptcy Trustee”? It is common for clients considering bankruptcy or who have already filed, to ask what a “bankruptcy trustee” is. This question is usually followed quickly by, “What does the bankruptcy trustee do?” The trustee is a person assigned to your bankruptcy case to represent the interests of the people […]
You lost your job or your pay was cut. You have medical bills pilling up. You paid for your living expenses with your credit cards and they are now maxed out. Calls are coming in from creditors and you’ve been threatened with repossession of your car or foreclosure of your home. As you fight large […]
It is one of the oddities of life: a business can file for Chapter 11 and remain respectable, while those who file for Chapter 7 or 13 are ashamed and embarrassed. Is bankruptcy really something to be embarrassed about, and is there a difference between a corporate bankruptcy and a personal one? The main reason […]
Debt is not uncommon by any means in America. The average American has more than $10,000 in credit card debt. And credit card debt is one of the leading causes of bankruptcy filings. So how did this happen? Below are the habits most credit counselors site as the leading causes of debt, and therefore […]
Most people are aware of the fact that they may file for bankruptcy and discharge their debt. However, most are unaware of something called an involuntary bankruptcy, in which your creditors file your own bankruptcy. In such cases, you have no say in the matter once the bankruptcy case is approved. So it is important […]
In re: Smith-Canfield, No. 08-61630-fra13 (Bankr. D. Oregon, May 17, 2011). Your attorney in a bankruptcy proceeding should always behave in a professional way, and keep your interests paramount. If your attorney has interests that conflict with yours, they may be violating rules of professional conduct. In order to avoid such conflicts, your attorney should […]
There are hundreds of thousands of bankruptcy petitions filed every year in America. A major disagreement in the area is whether or not many of these bankruptcy filings are fraudulent. About 95% of all bankruptcies are filed by individuals every year. Most consumer bankruptcy filings are Chapter 7 filings, usually about 65%. Additionally, many filers […]