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I am a Leader in Democratization of Knowledge about Bankruptcy

Who knew that I was a leader in providing knowledge to others (now called “Democratizing Knowledge)!! An article on Wired, Natalie Chyi, focuses a light on how COVID-19 has changed the prospective of on sharing information.  Titled The Coronavirus is Democratizing Knowledge.  The sub-title is: “Despite toxic misinformation, the pandemic has empowered us to become […]


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May 28, 2020

Lead Express, Harvest Mood Financial Sued by FTC

Lead Express, Harvest Moon Financial and others repeated drew interest-only charges, leaving consumers to pay more than promised May 22, 2020 – The Federal Trade Commission (FTC) has charged Lead Express, Harvest Moon Financial, Gentle Breeze Online, and Green Stream Lending with deceiving its customers by overcharging millions of dollars and repeatedly withdrawing money from […]

Bankruptcy After COVID-19, What Should You Do to Avoid Mistakes?

This is a difficult time for everyone – employer, employee, parents, and seniors.  Never decide to do something without understanding the consequences of those innocent actions. We all know it is important to plan ahead.  It cannot be more important than today.  Many of you lost your job or were furloughed, but almost everyone has […]


COVID-19 – Help for Homeowners and Renters

CORONAVIRUS ASSISTANCE INFORMATION July 11, 2019 – the following is information from the Federal Housing Finance Agency.  FHFA is closely monitoring the coronavirus national emergency’s effect on the housing finance market and continues to update policies and guidance to ensure its regulated entities – Fannie Mae, Freddie Mac (the Enterprises), and the Federal Home Loan […]

How Filing for Bankruptcy Changed My Life

I could tell you how bankruptcy may change your life, but why would you listen to me? After all, I am the attorney who charges money to help her clients. What makes more sense is that I share my clients’ reports about their lives before calling me, the challenges of filing a bankruptcy, and how […]

How to Manage Your Bills During COVID-19

April, 2020 – The Federal Trade Commission released suggestions on managing your bills during this very difficult time (COVID-19 quarantine). COVID-19 has disrupted life for everyone on the planet.  Each of us is asked to sacrifice for the health of the entire nation and world.  Unfortunately, that sacrifice comes at a cost for many.  They […]

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April 26, 2020

mortgage fraud

University of Phoenix to Pay $50 M and Stop Collection on $141 M in Student Loans

In a large victory for consumers, The University of Phoenix agreed to pay $50 million in cash and cancel $141 million in debt owed to the school by students harmed by their deceptive ads. Phoenix’s ads touted job opportunities and relationships with top tech companies.


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, mortgage servicers are offering programs of forbearance to homeowners affected by income loss due to the COVID-19 Pandemic.  These seem […]

If I File Bankruptcy Will I Lose My COVID-19 Stimulus Money?

When someone files for bankruptcy they can keep certain things that are “exempt”. Stay with me as I explain this process. Every state has a list of items that a creditor cannot seize.  Those items are referred to as “exempt property“.  This protection is the same for everyone in that state, even if they file […]

Can My Creditors or Bank Take My Stimulus Money?

March 27, 2020 a new law (CARES Act) was passed which gave funds to everyone in order to pay basic necessities (such as food, rent, gas).  Congress forgot to protect those funds from your creditors or your bank. When Congress passed the CARES Act, they were smart enough to protect the stimulus funds from state […]


April 14, 2020


Resources for COVID-19 Information

COVID -19 Has Changed How We Live Our Lives What We Can Do to Survive and Flourish Why are we easily misled about the truth? Why Smart People Believe Coronavirus Myths, (the following is a clip form BBC.com/future) We’ve debunked several claims here on BBC Future, including misinformation around how sunshine, warm weather and drinking water can affect the coronavirus. […]

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April 13, 2020

CARES ACT – Sources and Summaries for Payroll Protection Program

Brief Summary of the Payroll Protection Program Portion of the CARES ACT: (BBB webinar 3/29/20 Jonathan Gallagher, DEO, Shelley Adday. CHRO) How it can benefit your business: Paycheck Protection Program “PPP”, $350B loan program for businesses.  The intention is to provide unsecured (and forgivable) loans to small businesses with the goal to keep employees on […]

60 and over in the time of COVID-19? Tips to Stay Financially Healthy.

WARNINGS FROM THE FEDERAL TRADE COMMISSION March 30, 2020 – a reprint from article by Jennifer Leach, Association Director, Division of Consumer and Business Education, FTC. I know, 60-year-olds. You’re not old. In fact, we’ve found that, when people think “old,” they think of someone about 10 years older than they are right now. But, […]

Surviving the Pandemic – What is the Relief Plan? Will it Cost Us Our Financial Future?

Coronavirus Stimulus Package F.A.Q.: Checks, Unemployment and More (summary from New York Times, March 27, 2020, plus other resources). On March 27, 2020, the President signed a $2 trillion economic relief plan to offer assistance to American households affected by the coronavirus pandemic. Titled: Coronavirus Aid, Relief, and Economic Security Act, or CARES Act.  This […]

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March 31, 2020


Eviction Postponed for Many Tenants Due to COVID-19

How federal and local agencies are trying to help tenants affected by the COVID-19 virus. Reprint from Eviction Law, March 19, 2020.  As the world seeks to contain the COVID-19 pandemic, policymakers across the U.S. are responding to the heightened insecurity so many face.

How to Protect Yourself Financially During COVID-19 Crisis

By CFPB – MAR 16, 2020 (the following is a reprint from Consumer Financial Protection Bureau’s website) Federal, state, and local governments are working to respond to the growing public health threat of coronavirus, or COVID-19. As communities across the country are dealing with an increase in the number of reported cases, many areas may […]


Arizona Evictions Postponed 120 Days for Tenants – COVID-19

Executive Order, 2020-14 – Postponement of Eviction Actions for 120 days, BUT ONLY UNDER CERTAIN CIRCUMSTANCES.

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March 25, 2020

Scams on Seniors – COVID-19 and More

DO NOT FALL FOR SCAMS – CURRENTLY THERE IS NO CURE FOR COVID-19 (RESOURCES FOR SENIORS) Attorney General Brnovich and Senator Sinema Issue Warning Regarding New COVID-19 Senior Scams PHOENIX (the following is a reprint from the Attorney General’s website) – Attorney General Mark Brnovich and Senator Kyrsten Sinema are teaming up to remind Arizona […]

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