• The majority of the time, the answer is no. You can choose to use a plan payment arrangement in which your employer pays the trustee directly. That is something that most of my clients do [...]

  • I highly recommend browsing the articles I have written in my blog. Visit the link below to read the reasons why and how Chapter 13 may fail. Dain's Law Blog

  • Time Periods and Deadlines in Chapter 7 and 13 Bankruptcy Cases In both Chapter 7 and Chapter 13 bankruptcy, there are specific time limits and deadlines that you need to be aware of. These deadlines [...]

  • No. Bankruptcy is a civil process, not a criminal one. By declaring bankruptcy, you do not give up any of your civil or constitutional rights. Furthermore, you cannot be discriminated against by a utility, a [...]

  • Published On: June 29, 2022

    When you file for bankruptcy, your papers become public record. Some credit-reporting companies may make a public record of your filing. In addition, your name will be published in at least one Arizona newspaper, if [...]

  • When you file for bankruptcy, your credit rating will most likely drop to 480, but every circumstance is different. A chapter 13 bankruptcy is a three to five-year open bankruptcy. Your credit score can improve [...]

  • Published On: June 29, 2022

    In most Chapter 13 cases, attorneys’ fees are paid in part before the case is filed, with the outstanding balance, if any, paid by the Trustee from the debtor’s payments into the plan. Attorneys [...]

  • If you have non-exempt assets in your case, you must pay the fair market value of such assets through your Chapter 13 Plan. To put it another way, your creditors are entitled to the amount [...]

  • CASES (THE FOLLOWING MAY BE OUT OF DATE – CHECK THE COURT’S WEBSITE) Effective February 1, 2017 the United States Bankruptcy Court for the District of Arizona adopted uniform procedures and mandatory forms for its Mortgage Modification [...]

  • Published On: June 29, 2022

    The filing of the bankruptcy results in an automatic stay of all collection actions under 11 U.S.C. 362. Unless the Debtor has filed a prior bankruptcy within the previous 12 months, 11 U.S.C. 301, 302, [...]