Guides
Understand your situation first
Plain-English guides to what actually happens, what things cost, and what to do next — written independently.
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After Bankruptcy Discharge Arizona: What Actually Resets
Life after bankruptcy discharge arizona filers experience rarely matches the mental picture people have going in. A Chapter 7 discharge under 11 U.S.C. §…
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Subchapter V Bankruptcy Arizona: How Small Businesses Reorganize
Subchapter v bankruptcy arizona small business owners use looks like Chapter 11. It runs by a much shorter rulebook, though. Congress created it through…
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Chapter 13 Repayment Plan Arizona: How the Payment Gets Calculated
A chapter 13 repayment plan arizona filers propose isn’t a number they pick. It’s a formula the court runs. That formula weighs income, expenses,…
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Reaffirmation Agreement Chapter 7: What Signing One Actually Means
A reaffirmation agreement chapter 7 filers sign lets them keep a financed car. In exchange, they stay personally on the hook for that loan,…
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Wage Garnishment in Arizona: How Bankruptcy Stops It (and What Doesn’t)
Bankruptcy can stop wage garnishment in Arizona the moment you file. Arizona already caps most garnishments at 10% of disposable earnings under A.R.S. §…
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Bankruptcy Credit Counseling Requirement: The Two Courses Arizona Filers Must Complete
The bankruptcy credit counseling requirement trips up more filers than almost any other procedural step. Under 11 U.S.C. § 109(h), anyone filing bankruptcy in…
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What Debt Is Not Dischargeable in Bankruptcy: Student Loans, Support, and Taxes
What debt is not dischargeable in bankruptcy comes down to a specific list under 11 U.S.C. § 523. Bankruptcy wipes out most unsecured debt.…
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Medical Debt Bankruptcy Arizona: When Chapter 7 Makes Sense
Medical debt bankruptcy Arizona filers pursue makes up a large share of Chapter 7 cases statewide. Unlike a mortgage or car loan, medical debt…
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Can Bankruptcy Stop an Arizona Foreclosure? The Timing That Actually Matters
Bankruptcy can stop an Arizona foreclosure, but the timing has to work. Filing before a trustee sale happens triggers the automatic stay under 11…
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Bankruptcy Automatic Stay: What It Actually Stops the Moment You File
The bankruptcy automatic stay stops most collection activity the moment a case gets filed. No court order is required. Under 11 U.S.C. § 362,…