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Junk Debt Buyer vs. Original Creditor: What Are the Differences and Why It Matters

If you are being sued for a debt, such as a credit card, personal loan, or a medical bill, one of the most important factors in determining how you should defend the lawsuit is whether or not you are being sued by the original creditor or a junk debt buyer.  This article explains the differences […]

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How Many Times Can I File for Bankruptcy in Arizona?

There is a lot of misinformation out there about whether a person can file multiple bankruptcies, and when successive bankruptcies can be filed in relation to each other.  Some people even have the mistaken belief that they cannot file more than one bankruptcy in a lifetime.  The truth is that there are normally no limits […]

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Can Bankruptcy Affect My Credit Score?

Credit scores have become an omnipresent part of our lives—your credit score can affect whether you can get a credit card, rent an apartment, qualify for a mortgage, or even get a job. It is understandable, then, that most people will want to know how a particular financial decision will affect their credit score. This […]

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Filing for Bankruptcy in Tucson and Phoenix: A Detailed Guide

If you are considering filing for bankruptcy in Tucson or Phoenix, Arizona, the process can seem intimidating and overwhelming.  And because most people filing for bankruptcy are already overwhelmed with debt and need immediate relief, trying to figure out all the requirements for debt relief can be particularly stressful.  Luckily, every consumer bankruptcy can be […]

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Unemployment Compensation Is Taxable in Arizona (with One Exception)

Unemployment compensation is considered income, and is taxed the same way as other income, both by the federal government and by the state. There is currently only one exception to taxation of unemployment benefits. 

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How To Choose The Right Phoenix Or Mesa Bankruptcy Attorney

You should never choose an attorney based solely on the information you find online, including online reviews.  First, you can never be certain how accurate the information is.  Second, when it comes to attorney review sites, the ratings can often be manipulated, or are based on factors that have nothing to do with the attorney’s skill and experience.

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Arizona Bankruptcy Law Updates for 2021

With the COVID-19 pandemic continuing to drag down the economy and creating financial hardships for individuals and small businesses, it is likely that bankruptcy will become an important tool for overcoming the financial effects of the pandemic in 2021.  Several recent changes to the bankruptcy laws provide important new options and benefits for those individuals […]

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Is There a Right Time to File for Bankruptcy in Arizona?

Determining whether bankruptcy is the right option for dealing with your financial difficulties is the very first step.  Every person’s situation will be slightly different, but in general there are several circumstances that suggest that bankruptcy would be beneficial.

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Top Questions to Ask When Filing for Bankruptcy in 2021

How is bankruptcy going to help me deal with the change in financial circumstances? This is a question that must always be asked before filing for bankruptcy.

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What will I lose if I file for bankruptcy?

There is a common misconception that a person filing for bankruptcy will lose everything he or she has.  That is not true.  Both the bankruptcy law and state law provide a set of “exemptions” that can be used to protect many common assets.  See our article on Assets You Can Keep in Bankruptcy.  But there […]

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