• There is so much mis-information about a forbearance of home mortgages during COVID-19.  Know your options before making a decision not to pay your mortgage. (11/18/21 UPDATE - see summary of foreclosure alternatives) This [...]

  • Published On: February 24, 2021

    If you are behind on your mortgage, beware of mortgage relief scams. There is free foreclosure help. If anyone tries to charge you in advance for help or guarantees that [...]

  • The following is a guest post – by Gary R. Stickell, a great Arizona bankruptcy attorney and my friend and mentor for more than 20 years. COVID-19 and CHAPTER 13 BANKRUPTCIES Most, if not all, [...]

  • WARNING TO THE WISE: Never do a short sale, deed in lieu of foreclosure, allow a trustee’s sale, or a foreclosure to go forward without first obtaining both legal and tax advice. You cannot undo [...]

  • Arizona anti-deficiency law for residential property clarified by the Arizona Supreme Court. The answer is "yes" Arizona Revised Statute: 33-814 G. If trust property of two and one-half acres or less which is limited to [...]

  • Arizona anti-Deficiency Law: Since 1971 Arizona law has normally protected the borrower who defaults on a home loan. A lender could foreclose, but could not sue the borrower if the loan was on property 2 [...]

  • Homeowners’ association received special treatment in bankruptcy. Depending on your situation it is possible that both federal and state law comes into play. Do you have a homeowners association?  Do you want to know your [...]

  • Published On: December 18, 2013

    Arizona has the third highest negative equity - with approximately 22% negative and 4% near negative equity. The other day a caller said "I used a document preparer or bankruptcy petition preparer. Certainly they have [...]

  • Published On: November 29, 2013

    The Next Balloon to Burst: Home Equity Lines of Credit (HELOC) hitting 10 year anniversary More than $221 billion of these loans at the largest banks will hit this mark over the next four years. [...]

  • Banks face a high financial risk if they do not take the steps needed to identify borrowers who are at risk of falling short on payments. More than $221 billion of these loans at the [...]

  • Highly recommend Diane and Jay

    Highly recommend Diane and Jay. C.T. Diane and Jay were not only very knowledgeable and patient, but they took time to educate me and point me to the resources I needed. Diane and Jay walked me through every step and worked with me through any confusion or [...]

  • There were no demons or dragons. It my constitutional right to be free of debt

    There were no demons or dragons. It my constitutional right to be free of debt. V.M. I first met Diane in 2009. I was losing control of my finances and therefore my whole life seemed a day to day mix of anxiety and fear. I landed on [...]

  • Diane guided us every step of the way.

    “Her assurance that there was nothing to be ashamed of, gave us the incentive to proceed.” D. Diane was fabulous during our bankruptcy, guiding us every step of the way. After medical bills got us behind, we didn’t know where to turn and felt uncomfortable filing. Her assurance [...]