• ANOTHER DOCUMENT PREPARATION SERVICE IN TROUBLE FOR NOT FOLLOWING THE LAW – SAUNDRA EHRHARDT and AIRHARDT ENFORCEMENT SERVICE In re Munoz, 2:19-bk-05828 (7/3/2019)Judge Collins, Arizona bankruptcy judge, found Ms. Ehrhardt violated bankruptcy law and forced [...]

  • Published On: September 2, 2018

    The Automatic Stay v. the Bankruptcy Discharge The Fair Credit Reporting Act “FCRA” and the Bankruptcy Code deal with debt differently and this difference can become confusing for everyone, including experienced bankruptcy attorneys.  For instance, [...]

  • The number of elderly filing for bankruptcy is three times what it was in 1991. As a study, from the Consumer Bankruptcy Project, explains, elderly people whose finances are precarious have few places to turn. “When [...]

  • Mertola LLC v Alberto J Santos/Arlene Santos CV-17-0109-PR (AZ Supreme Court, 7-27-18)  Statute of limitation for debt collection in Arizona – cause of action to collect the entire debt accrued as of the date of Santos’s [...]

  • THE PERILS OF BANKRUPTCY FILINGS BY UNDOCUMENTED PERSONS By Richard J. Parker: Shareholder in Parker, Butte, & Lane, P.C. (reprinted with permission of the author, December, 2017) Immigration status is a complex legal issue for [...]

  • Many people do not understand the consequences of filing multiple bankruptcies.  It is very important to know that every bankruptcy filed (even if the process is not completed) will stay on the credit for ten years. [...]

  •   Your home is your most valuable asset. Over the last 30+ years of helping people file for bankruptcy protection the most concern by homeowners is if they will lose their home.  My [...]

  • Arizona adopted a chapter 13 model plan – effective for all cases filed or converted after December 1, 2017 Local Rules 2084 Chapter 13 Model Plan According to the Arizona Bankruptcy Court the failure rate [...]

  • Published On: April 4, 2018

    How long after bankruptcy do I have to wait before buying a home? So many questions about bankruptcy. Anyone who either filed for bankruptcy or is considering it has asked “how long before [...]

  •   Fairy tales are not the way to make adult decisions. We know that most fairy tales are fables designed to teach children a healthy respect for rules and society’s expectation.  Some fairy [...]