In Chapter 13, how does the petitioner calculate what is owed to the auto lenders in the repayment plan?

There are a number of things you can do with a 13 and one of these is a cramdown on the vehicles. The first question is whether you bought them at...

To my knowledge, yes, they can charge this. If any other attorneys know a statute that disallows this, I would love for the input. However, I have...

Will I be left responsible if my coowner files bk on our vehicles?

When you say you are responsible for both, I assume you mean because your name is on both contracts. If you were married (and not ex boyfriend and...

Ex-husband included a joint account I'm legally responsible for per the divorce decree in his bankruptcy - help!!!!

The divorce may have made you legally responsible to ensure that the debt was paid, but as long as your ex husband's name was on the account, he...

What should of do call these people at the number they left or wait until they assets me or what I just don't how to proceed wit

Sounds like a scam I have seen before. You might consider reporting them either to the Arizona Attorney General, or to the Arizona Department of...

Should I file chapter 7 bankruptcy and start fresh?

You state you are thinking of moving to Arizona for cost of living reasons. This raises the issue of venue and of exemptions. To file a bankruptcy...

Will I be able to get any of that judgment (the $25k and/or the $50k) or any of the interest discharged in a Chptr 7 filing?

Whether a debt is dischargeable depends on the nature of the debt and the timing. The old default may be faulty service if you were not served, but...

Is it illegal for them to put a pre lien on my house for 8200.00 when i owe them 500 or 1000

A construction lien needs to be filed very quickly, or it will not be valid. Most likely, they filed it before getting paid by the insurance...

What can happen to me if I'm found guilty and should I plea guilty or not.

Was there an accident reconstruction, photos and measurements, and were there any witnesses, or did the police rely entirely on the other driver's...

Not necessarily. If the person was convicted of a "dangerous offense" under ARS 13-704, they may get their right to vote back, but they are...