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Facing Bankruptcy in Tucson?

Although commonly seen as a last resort, bankruptcy is actually a new beginning. Bankruptcy protections were written into the United States Constitution because they provide struggling Americans with an avenue to financial freedom. Many Tucson residents and businesses are considering filing for bankruptcy in Arizona, and there are multiple types of bankruptcy designed to address […]

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Filing for Bankruptcy in Tucson – Now What?

When you make the important decision to file for bankruptcy, you must start your case by filing a petition with the proper bankruptcy court. The petition and supporting documentation are extensive, and once they are filed, what can you expect next? While each case is different, the following is a general idea of the path […]

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Taking the Necessary Steps to Prevent Bankruptcy

Bankruptcy laws provide debt relief for consumers in the Phoenix area, the State of Arizona, and across the United States. However, with the benefits of bankruptcy also come requirements that must be met in order to qualify. In addition, bankruptcy can have drawback, such as the potential impact on the credit score, and loss of […]

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Bankruptcy Myths and Misconceptions

There are several myths and misconceptions about bankruptcy floating around the internet.  Some of them are spread by creditors and companies trying to sell “debt settlement” services.  Others stem from common misunderstandings of the bankruptcy laws.  This article discusses and dispels the most common bankruptcy myths and misconceptions. Myth 1: It is very difficult to […]

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Debt Settlement vs Bankruptcy: Pros and Cons

If you are struggling with debt that you cannot pay, you have probably been told, or have read on the internet, that two of the ways to deal with the debt is through either debt settlement or bankruptcy.  You have probably also read different opinions as to which one is better.  The truth is that […]

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Can I Keep My Car in Chapter 7 Bankruptcy?

Many people incorrectly think that if they file for bankruptcy, they have to give up everything they own, including their car.  This is not correct.  Under both the bankruptcy law and Arizona law, a person filing for bankruptcy can keep many types of property, up to a certain value.  These are called exemptions (See What […]

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How to Stop a Wage Garnishment Right Now

Have you received a notice from your employer that your wages are about to be garnished?  Or, was your last paycheck garnished without you even knowing it would happen?  In Arizona, a creditor can take up to 10% of your wages through garnishment. So if a garnishment happens unexpectedly, it can seriously hinder your ability […]

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Should I Accept a Stipulated Judgment to Settle a Collection Lawsuit?

If you are being sued by a creditor, the creditor may offer to “settle” the lawsuit by putting you on a payment schedule, provided that you agree to a stipulated judgment.  Most people faced with a lawsuit want to do anything that will put an end to it, and are happy to jump at any […]

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Ultimate Guide to Stopping Garnishment in Arizona

In this guide, we go into detail about garnishments: what they are, how they are initiated, and what you can do to stop a garnishment and avoid losing your assets.  As you read this, please keep in mind that this guide is intended to be informational only, that every situation is unique, and that you […]

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How to Use Bankruptcy to Stop an Eviction

Do you rent your residence?  Is your landlord threatening to evict you?  If so, bankruptcy may help you avoid eviction.  In this article, I will discuss how bankruptcy affects eviction proceedings, how to determine if bankruptcy will be of benefit to you in stopping an eviction, and the requirements for stopping an eviction through bankruptcy. […]

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