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[av_heading heading=’FOR CONSUMERS, INCLUDING DEBTORS’ tag=’h1′ style=’blockquote classic-quote’ size=” subheading_active=” subheading_size=’15’ margin=’15%,,,’ padding=’10’ color=’custom-color-heading’ custom_font=’#ffffff’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” av_uid=’av-jkddeb6s’ custom_class=” admin_preview_bg=”][/av_heading]
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Please Note:

The information contained in this web site, article or link may be outdated, incorrect or not applicable; it is your obligation to confirm the accuracy.

It is very important that you obtain legal advice from an attorney experienced in the laws related to your particular situation.  Never rely on information obtained from the Internet, your friends or neighbors; it is very rare that their situation is exactly like yours.   Seeking good legal advice before you take action will certainly cost you less than it will cost to fix your unintentional errors.

The information in this web site is not intended to constitute legal advice or to create an attorney-client relationship.

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[av_heading heading=’LINKS TO CONSUMER and DEBTOR RESOURCES’ tag=’h2′ link_apply=” link=” link_target=” style=’blockquote classic-quote’ size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” av_uid=’av-31n00w’][/av_heading]

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Many of you begin our initial discussion with an apology for your current financial situation. Absolutely no apology is necessary!

Read the quote below by James Madison, our fourth President (1809-1817). There has been no financial certainty for anyone, including our government, since the founding of our country. So how could you guaranty financial certainty in your daily life? Your situation is affected by circumstances rarely in your control – health, employment, divorce, economy of the Nation, and changes in business policies.

The US Constitution empowered Congress to enact bankruptcy law 1789 to help all citizens receive a fresh start.

The first bankruptcy law was enacted in 1800. Obviously, this option has been seen as a valuable method to protect our citizens. So, please do not apologize to me and anyone else for choosing this option. I have never met anyone who chose bankruptcy because “they wanted to”.

Arizona Exemptions (33869 downloads )
Why is Bankruptcy Diane Drain’s Primary Focus?
What is Pre-Bankruptcy Planning
Bankruptcy Basics (videos produced by the United States Bankruptcy Courts)
Steps to Filing Bankruptcy
Important Deadlines and Timeline chapter 7 and 13.
How to Handle Harassing Creditors
Questionnaire for individuals
Questionnaire for a business
How Do I Survive After Filing a Chapter 7?
Bankruptcy & Religion
Does God Want You to be Bankrupt?
History of Bankruptcy – videos by Judge Haines, Ret.
Trustee Sales (Foreclosures) and Bankruptcy


Attorney General’s Office
Consumer Protection Laws
Fair Debt Collection Practices (link to article at www.azlawhelp.org)
What is a Credit Score and How to get a Copy of my Credit Reports.
Secret History of the Credit Card, Frontline interview with Elizabeth Warren, Prof. Harvard University, expert in bankruptcy
The Credit Card Game: Frontline 12-09 (streaming video -therefore it takes time to load) As credit card companies face rising public anger, new regulation from Washington and staggering new rates of default and bankruptcy, FRONTLINE correspondent Lowell Bergman investigates the future of the massive consumer loan industry and its impact on our fragile national economy.
IRS – Collection Standards (what is allowed by the IRS)

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Bankruptcy is a very complicated interplay of several laws (both federal and state) and should not be undertaken without adequate representation. Do not use document preparers or attorneys who do not practice bankruptcy law full time. Most bankruptcy lawyers offer free or very low cost initial consultations.
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bankruptcy

James Madison, Jr. oil on canvas, Bradley Stevens (after Charles Willson Peale), 2002, Collection of the U.S. House of Representatives

“There is not a more important and fundamental principle in legislation, than that the ways and means ought always to face the public engagements; that our appropriations should ever go hand in hand with our promises. To say that the United States should be answerable for twenty-five millions of dollars without knowing whether the ways and means can be provided, and without knowing whether those who are to succeed us will think with us on the subject, would be rash and unjustifiable. Sir, in my opinion, it would be hazarding the public faith in a manner contrary to every idea of prudence.”

– James Madison

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