• Published On: June 29, 2022

    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 [...]

  • Published On: June 29, 2022

    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 [...]

  • Published On: June 29, 2022

    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 [...]

  • Published On: June 29, 2022

    CASES (THE FOLLOWING MAY BE OUT OF DATE – CHECK THE COURT’S WEBSITE) Effective February 1, 2017 the United States Bankruptcy Court for the District of Arizona adopted uniform procedures and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

  • Published On: June 29, 2022

    In Chapter 7 FAQ, the means test was discussed. A change in the concept of “disposable income” in Chapter 13 makes things more difficult. §1325(b)(2) Official form B22C is used. The difficulty is that under [...]

  • Published On: June 29, 2022

    For payments paid into the plan, the Trustee serves as the disbursing agent. The Trustee also evaluates the plan and challenges those that do not, in the Trustee’s opinion, fulfill the Bankruptcy Code’s criteria for [...]

  • Published On: June 29, 2022

    According to statistics from the Bankruptcy Court, only around 2% of people who file without a counsel ever succeed in a chapter 13. This figure predates the 2005 Reform Act, which significantly increased the complexity [...]

  • 5 / 5

    Diane is the resource you need.

    "Diane is the resource you need." K.M. If you are reading this; you probably need the services of a bankruptcy attorney and you’re worried and maybe a little frightened of the entire process and it’s impact on your life. Please trust us when we tell you that Diane is [...]

  • 5 / 5

    I feel better mentally and physically, just like you said I would

    "I feel better mentally and physically, just like you said I would!" M. Thank you once again for your incredible knowledge and persistence with these people. Ever since we have done the filing, I feel better mentally and physically, just like you said I would. [...]

  • 5 / 5

    I Leaned on Diane’s Expertise

    “Diane Took the Time to Drop Great Wisdom and Insight for my Situation. ” D. C. I called to lean on Diane’s expertise around trust deed financing (even though it’s not her primary practice focus) and she took the time to drop great wisdom and insight for [...]