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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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,…
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Arizona’s Homestead Exemption in Bankruptcy: How Much Home Equity You Keep
The Arizona homestead exemption bankruptcy filers rely on protects a large slice of home equity from creditors. It’s one of the biggest reasons most…
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The Arizona Bankruptcy Means Test: How It Decides Which Chapter You Qualify For
The Arizona bankruptcy means test decides who qualifies for Chapter 7 and who gets routed toward Chapter 13 instead. Under 11 U.S.C. § 707(b),…
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Chapter 7 vs Chapter 13 Bankruptcy in Arizona: Which One Fits Your Situation
Chapter 7 vs Chapter 13 bankruptcy in Arizona comes down to one core question. Does the filer need to sell nonexempt assets to wipe…
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Arizona Background Check Arrest Record: What Shows Up Even Without a Conviction
An Arizona background check arrest record can show up even when the case never led to a conviction. That surprises a lot of people.…
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Expunge a Criminal Record in Arizona: Set-Aside vs. Sealing Explained
Arizona doesn’t offer expungement in the way most people picture it. Anyone searching how to expunge a criminal record in Arizona usually finds two…
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Setting Aside a DUI Conviction in Arizona: What § 13-905 Actually Clears
Setting aside a DUI conviction in Arizona doesn’t erase it. Under A.R.S. § 13-905, the court changes the judgment’s status from a conviction to…