Mesa AZ | Consumer Financial Protection Bureau

What was once a new federal agency, the Consumer Financial Protection Bureau (“CFPB”), has made its presence known – and feared, in a very short period of time.  By way of background, in the wake of the financial crisis that … Continued

Mesa AZ | Wage Garnishment – What Is It?

I frequently hear the stories of individuals that are struggling to pay their bills and keep food on the table at the same time. They struggle the best they can, with some bills getting paid and others being put off … Continued

Mesa AZ | The “Super Discharge” of Chapter 13

What is the “Super Discharge” of Chapter 13 bankruptcy? Not all bankruptcies were created equal.  Many times, people in financial distress want nothing more than a quick and easy solution to their problems, and as such, seek relief in the … Continued

Mesa AZ | Dealing with Creditors

Dealing with creditors can be stressful.  Creditors can be aggressive and they will tell you that your failure to pay the debt will cause them to take legal action against you.  So what are your options?  Below are the some … Continued

Mesa AZ | Credit Access After Bankruptcy

Is there credit access after bankruptcy? The Community Studies and Education Department of the Federal Reserve Bank of Philadelphia discussed the research on credit availability after bankruptcy in its Research in Brief. The article explores whether it makes a discernible … Continued

Mesa AZ | Bankruptcy Fraud, Don’t Do It

It should go without saying, but if you are going to file bankruptcy, you must be honest in your filing. There is a rule to follow: bankruptcy fraud, don’t do it!  An example of what not to do was recently reported … Continued

Mesa AZ | Bankruptcy Filings Down in Phoenix, Up for Seniors

Bankruptcy filings down in Phoenix. A recent article in The Arizona Republic by Russ Wiles reports bankruptcy filings in the Phoenix metro area, bankruptcy filings were down 10% this year from a year ago.  Statewide filings were down 19%.  In … Continued

Mesa AZ | Landlords and Bankruptcy Filings

Can a Landlord Evict a Tenant in Bankruptcy? Yes.  A landlord can evict a tenant in bankruptcy if the landlord has obtained a court-ordered judgment for possession before the tenant filed.  If the tenant files for bankruptcy protection before the … Continued

Mesa AZ | Loans, Inherited Funds & Bankruptcy

How can I protect my loved ones who cosigned loans? Bankruptcy filings can be difficult if your finances are intermingled with those of others, according to Los Angeles Times Business Reporter David Lazarus.  If you have loans, inherited funds and … Continued

Mesa AZ | Should I File For Bankruptcy?

Should I File for Bankruptcy?  US News columnist Kimberly Palmer offers these helpful suggestions to consider before making the decision: Take a close look at your budget to see if there is a way to resolve your financial issues through … Continued