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Many people are confused about the difference between a charge-off and a bankruptcy discharge. What is the difference, and which one is better? A charge-off occurs when your creditor, usually the bank with which you have your credit card, declares that your debt is unlikely to be collected. The bank has, after assessing your situation, […]
Chapter 13 bankruptcy in Arizona is a long-term commitment. For those who successfully complete the process of the three-to-five year plan, a discharge of remaining debt awaits, as well as the peace of mind of having paid off a chunk of their secured, non-dischargeable debt while keeping any asset they really wanted to keep. But […]
For years, healthcare has been a major subject of discussion in the United States. Costs are ever-increasing, and many claim there is no clear solution, while others propose very different solutions to the problem. But it should come as no surprise that medical debt has become a larger and larger factor leading to bankruptcy, according […]
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 […]
Filing for Bankruptcy may seem like a complex process. The average person probably knows very little about bankruptcy. But the process doesn’t have to be scary. There are certified Arizona Bankruptcy Attorneys who can help you through this process. However, whether you are thinking about filing for bankruptcy or are in the process of filing […]
Tucson Chapter 7 bankruptcy covers all debts which are owed except for those which are outlined in section 523(a) of the bankruptcy code. Here is a list of those debts: Certain taxes, IRS debt Debts which are not listed in the bankruptcy petition Most alimony, child support or other domestic support obligation debts Fines and […]
Pleased to announce the re-birth and foundation of the Tucson Association of Consumer Bankruptcy Attorneys. We are back in business and had our first monthly meeting. I am very excited to be part of the process of connecting the tucson bankruptcy attorneys around the Tucson area. Luckily, we also get CLE for this association. We […]
If you file for protection with a Tucson Bankruptcy Attorney then you must attend a 341 hearing, which is also known as a meeting of creditors. This hearing serves many purposes including giving your creditors an opportunity to question you about your financial affairs. However, it is very rare that any creditors actually appear at […]
The answer is not completely simple. It is a matter of public record, however nobody will be notified unless you owe them money or you have received a garnishment through your employer. Your creditors will all be notified, as well as your landlord. Most other people in your life will not be notified unless you […]
Bankruptcy is designed to allow an honest debtor to obtain a fresh start. An “honest debtor” refers to someone who has incurred debts with the intention to repay them but due to intervening circumstances cannot. There are checks and balances in the bankruptcy process to seek out the debtor who incurs a debt that he […]