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Blog Posts in 2009

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  • The Decision to Use Bankruptcy - Tread Lightly
    The Decision to Use Bankruptcy - Tread Lightly

    It is important for a person with serious debt problems to understand that the choice to file for bankruptcy and the choice of bankruptcy chapter are personal. The choice to avoid bankruptcy and try ...

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  • Surrendering a car in chapter 13 bankruptcy will negatively effect amount paid unsecured creditors
    Surrendering a car in chapter 13 bankruptcy will negatively effect amount paid unsecured creditors

    A chapter 13 bankruptcy requires that an “above median” debtor take a “means test” in order to determine how much that debtor must pay to unsecured creditors during the plan. This amount is called ...

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  • Should Your Arizona Corporation or LLC File Chapter 7 Bankruptcy?
    Should Your Arizona Corporation or LLC File Chapter 7 Bankruptcy?

    The “small business” is suffering in today’s economic climate. Many have debts that are insurmountable. The “owner” has often also personally guaranteed the debt and is facing bankruptcy. The question ...

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  • Arizona Short Sale - If bankruptcy is in your future, be careful
    Arizona Short Sale - If bankruptcy is in your future, be careful

    Selling your home “short”… What does this mean and why would you want to consider it? When homeowners sell a home “short”, they are asking the lender to agree to the sale even though they will not be ...

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  • Serious credit card debt... can you avoid bankruptcy?
    Serious credit card debt... can you avoid bankruptcy?

    I don’t sell bankruptcy as a commodity. Why? 1. There are other options that may better fit the client’s situation. 2. The client may have personal reasons for choosing to deal with the debt before ...

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  • Ride Thru, Reaffirmation Agreements and the Ninth Circuit Court of Appeals
    Ride Thru, Reaffirmation Agreements and the Ninth Circuit Court of Appeals

    The Ninth Circuit Court of Appeals has decided the issue of whether a reaffirmation agreement is necessary for bankruptcy in relation to personal property. Prior to the 2005 changes to the bankruptcy ...

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