Sometimes when filing, a Client will want to keep a credit card, either for emergencies, or because they “like” that company for some reason. Sometimes it is possible to keep a credit card open when filing. But to do so, two things must be true: First, it must have a
Tom C
Customer Service Representatives are People too
Many people can get into trouble with financial accounts, car loans, and credit cards. Sometimes when you get behind, the best reaction is to contact the lender and see if they have options to help you. If you do call, be nice. If you scream and cuss, the person on
Strategies for Tax Refunds in Bankruptcy
Exemptions can be a tricky subject. An exemption is a law that states that all or part of an asset you own is protected from your creditors. Arizona has several very good exemptions, protecting you from having to give up everything just because you are seeking a bankruptcy discharge. If
Safe from Theft
According to the Vehicle Insurance Loss Data Institution, the top five automobiles most likely to be stolen are the Cadillac Escalade, F-250 crew cab pickup, Infiniti G37 two-door car, Dodge Charger with HEMI, and Chevrolet Corvette Z06. The Institute also reported that the vehicle least likely to be stolen is Greg
Best beer(update)
Beer is very personal. Not everyone likes it. But if you don’t like beer, chances are you have only had cheap beer and ales. You may want to try stouts and porters. These dark beers are not as bloating, and have a richer, smoother taste. I prefer Guinness to most
Is Bankruptcy Immoral?
My opinion, no. But each consumer should seek their own guidance on this one. Let’s face it, attorneys are not often thought of as a source for moral guidance. Bankruptcy is an important decision, not to be taken lightly. Filing bankruptcy is a math problem, not a question of morals. But
HOAs and Bankruptcy
Homeowner Associations get a special pass in bankruptcy, based on both federal law and Arizona statutes. Consider the following example: You own a home in Mesa, Arizona, and your home is in a community with an HOA, and the monthly assessments are $50. You have not paid assessments for one