Skip to main content
Stephen M Trezza
Avvo
Pro

Stephen Trezza’s Legal Guides

24 total

  • Costs of Bankruptcy: Chapters 7, 13, and 11

    The majority of bankruptcy filings are for Chapter 7. It is the quickest form, generally costs the least, and provides an immediate discharge of unsecured debt after the liquidation of any non-exempt assets. Why is Chapter 7 so much cheaper than a Chapter 13 or Chapter 11 bankrup...

    Read more 

  • Bankruptcy's Effect on Your Credit Score

    Many people consider bankruptcy to be a last resort because of the negative effects they expect it to have on their credit score and therefore their ability to obtain a loan. For many people, while this is something to carefully consider before filing for bankruptcy, this is not ...

    Read more 

  • Pay Day Loans

    If you have been using Payday Loans or Check Cashing stores, it may be time to consider bankruptcy. These types of lenders are controversial for a reason. Although they provide fast cash without a credit check, they are not subject to the same interest rate restrictions that ...

    Read more 

  • I plan to file bankruptcy, does my spouse to have to file with me?

    No. An individual is not required to file bankruptcy just because their spouse is filing, although in many cases it may be preferable to file jointly. Most often, debts are jointly owned by spouses and a bankruptcy filing of one spouse will not relieve the other of the debt and...

    Read more 

  • Life After Bankruptcy?

    So, what happens once you've finished bankruptcy? There are several important things for every person finishing a bankruptcy case to keep in mind.

    Read more 

  • Partnerships and Filing for Bankruptcy

    When two or more people enter business together, they generally create an automatic partnership under the eyes of the law in their state. Although there are many nuances in this area of law to be discussed with an attorney there are a few generalizations that can be made.

    Read more 

  • Student Loans in Bankruptcy

    When times get tough, many seek shelter from a wilted job market by pursuing education. Many adults to back to school, and often students who were expecting to graduate have prolonged their stay or sought higher degrees rather than try to find a job, in the hope that they will out-qualify their com

    Read more 

  • What is the Effect of Bankruptcy on My Stock?

    Details the effects that bankruptcy has on the stock price of a company.

    Read more 

  • What to Do if You Think Your Employer May File Bankruptcy

    More than 100,000 business bankruptcies were filed in the last two years. While the consumer may be surprised or disappointed to see his neighborhood grocery close, it is that business employees who might find themselves overwhelmed with such news if they have not prepared.

    Read more 

  • What is a judicial lien? If I go into bankruptcy do I have to pay it?

    A judicial lien is a right that a creditor can gain against you by filing a successful lawsuit against you. In general, if you owe a creditor money, they are allowed to sue you under Arizona law to try and collect the money that you owe them.

    Read more