As seen in The Arizona Republic
by: Aaron M. Finter
Your Home and the Law is authored by the attorneys at JacksonWhite Attorneys at Law and addresses legal issues that arise for renters and homeowners. Have a question related to your home? Send your questions to firm@jacksonwhitelaw.com.
Q: My wife and I are looking to take advantage of

As seen in The Arizona Republic
by: Roger R. Foote
Your Home and the Law is authored by the attorneys at JacksonWhite Attorneys at Law and addresses legal issues that arise for renters and homeowners. Have a question related to your home? Send questions to firm@jacksonwhitelaw.com.
Q: I can’t make my house payments and received a Notice of

I have prepared a series of short videos on the bankruptcy process, including discussions on the various chapters (7, 11, 13).  These videos are all currently posted on You Tube.  You can access these videos by clicking on this link http://www.youtube.com/user/JohnSkibaAttorney .  These videos will give you a good start in gaining knowledge about Chapter 7

Chapter 13 bankruptcy cases require a serious commitment.  While the Chapter 7 case is a relatively short (4-6 months) and straight forward process, a Chapter 13 cases commits the filer to a minimum of 36 months and possibly up to 60 months.  Further, the Chapter 13 requires repayment of a small portion of the unsecured debt. 

Foreclosures climbed to a record high for the third time in five months in July.  July’s foreclosure rate was up 32%  when compared to this time last year and up nearly 7% from June 2009.  Arizona is third in the nation behind Nevada and California when it comes to foreclosures.  One in every 135 households

That was the title of the hearing held earlier today before the Senate Judiciary Subcommittee on Administrative Oversight and the Courts.  Due to foreclosure rates that continue to climb across the country, Senate Democrats are taking a second look at a failed proposal to allow the modification, or “cram down” on first mortgages in homes

With home prices at record lows and foreclosures at record highs, many homeowners are facing the fact that their home is worth substantially less than what is owed on the mortgage. Many of these homeowners that feel trapped in a home that is “upside down,” are making the difficult decision to walk away from their properties. There are two areas where homeowners can use a chapter 13 bankruptcy filing to remain in their homes – one, when they are behind on payments and need time to get caught up, and two, to remove a second mortgage or home equity line of credit from their home.

It is common for people to believe that if they file a bankruptcy case that they must give up their property.  People are surprised to learn that in most cases they will be able to keep most if not all of their property during their bankruptcy case.  Arizona has numerous exemption laws that protect both real estate and personal property, even during

Arizona has been hit particularly hard in the real estate market with dramatic decreases in the value of people’s homes.  Are you behind on your house payments?  Is your house in foreclosure?  Do you owe more on your house than it is currently worth?  If so, then you are not alone.  Much of the population