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

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