G is for Garnishment
Jan 13, 2012
Garnishments are a pain. Maybe the only thing that pushes people into bankruptcy more quickly than garnishment is a foreclosure. In Arizona, a creditor can garnish up to 25% of each pay check. If you ...
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Fear the Reaper: Don't Ignore Your Lawsuit
Jan 11, 2012
I see it all the time. You get served with a lawsuit by one of the big debt buyers, Midland Funding, Portfolio Recovery, or LVNV Funding. You have no idea who Midland Funding even is, so you brush it o...
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Please, Not the Twinkies! Golden Sponge Cake and Multiple Bankruptcy Filings
Jan 10, 2012
Hostess, the company that makes the Twinkie, is preparing to file for chapter 11 bankruptcy for the second time in the last seven years. The purpose of a chapter 11 bankruptcy filing is to allow a com...
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Top 3 Bankruptcy Blog Posts of 2011
Jan 06, 2012
Before the first week of 2012 is over I wanted to take a look back to 2011 and the numerous topics that have been discussed on my blog. I started this bankruptcy blog in May of 2011 when I ventured out...
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"F" is for Fresh Start through Bankruptcy
Jan 02, 2012
In the bankruptcy world (yes, there is such a place!) the term fresh start is mentioned so often that it can become cliche. However, when you can get past the initial feelings you may have about bankru...
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Midland Funding, Portfolio Recovery, LVNV Funding. The Debt Buyers and Why You Should Fight
Dec 26, 2011
Most people that will read this article have had the unpleasant experience of receiving a knock at the door only to get served with a lawsuit. After the shock subsides as to what just happened, you loo...
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E is for Equity
Dec 19, 2011
Equity. It is usually your friend. If you are in bankruptcy, it can be an issue. Simply put, equity is what you actually own in your property. For instance, if you have a car that is worth $10,000 and ...
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How Has the Great Recession Impacted Your Choices?
Dec 12, 2011
Because I work as a bankruptcy attorney I have the opportunity to meet a lot of people here in Arizona who have taken a beating during this recession. And while the recession technically ended a while ...
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D is for Debt Free!
Dec 07, 2011
Debt free. Can you even imagine it? I would dare say that when most people come in to inquire about filing for bankruptcy they arent really thinking about the end result of being debt free, but are mor...
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Late Night Emails to a Bankruptcy Attorney
Dec 05, 2011
When I opened my bankruptcy law practice here in the Phoenix area a while back I wanted to create a website where clients could easily communicate with me and learn about the bankruptcy process. In the...
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