As a person who has incurred significant student loan debt, I know first hand the pain that my client’s feel when they come in with significant student loan debt.  Education costs continue to rise while pay doesn’t seem to be keeping pace.  Further, if you are in a situation where there has been a

Today MSN Money had a good article on ways to stop harassing creditor telephone calls ( http://bit.ly/bK8HJ ).  I have a fair number of clients that are going through financial hardship right now but either don’t want to, don’t need to, or don’t qualify for bankruptcy.  Without bankruptcy protection the harassment by creditors can be almost

The month of March saw a new record for foreclosures in the Phoenix metro area.  There were 5,556 foreclosures, a 30% increase over February.  I have seen many homeowners continuing to try and save their home through the modification process.  While I have seen more success in home owners actually obtaining moficiations in the last

Much of the fear or uneasiness associated with bankruptcy stems from not knowing or understanding what to expect and what the actual process will be.  With that in mind I thought I would go step by step through the bankruptcy process in your typical Chapter 7 and Chapter 13 bankruptcy cases.
The Process of Pre-Filing
Much of

Starting today, Thursday August 20th, banks must start complying with part of the Credit Card Act of 2009.  Some of the initial requirementsare that banks must mail monthly bills at least 21 days before payment is due on the card, and by providing at least 45 days notice before making any significant changes to interest

Perhaps you have found this post and are one of many Americans faced with the possibility of foreclosure on your home. If this is the case, a foreclosure attorney in Arizona at Jackson White can help. Please call us at 877-612-9872 to set up a free consultation with a foreclosure attorney.
Home foreclosures climbed to a

A precept in bankruptcy is generally that unsecured creditors should be treated similarly in your bankruptcy case.  For example, if you have ten credit cards and file for bankruptcy, each of the credit cards will get, if anything, the same amount — regardless of the amount that is owed on each specific card.  Thus we run

When I visit with clients about filing bankruptcy, nearly everyone I meet  is at the end of their financial rope and are resorting to bankruptcy when all hope of recovery is gone.  In much of my reading on bankruptcy there seems to be a new approach to bankruptcy, what it offers, and how the Bankruptcy

A common question I get from those contemplating bankruptcy is if they can continue to use their credit cards prior to filing bankruptcy or what effect their recent use of their credit cards will have on their bankruptcy case.  In regards to the first question, my recommendation is don’t continue to use your credit cards

Different Types of Bankruptcy
Generally speaking there are two options available to individuals seeking bankruptcy protection: a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. The 7 and 13 found in the title of these bankruptcies refers to the chapter of the bankruptcy code which governs that particular type of bankruptcy. A Chapter 7