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If you are wondering whether utility bills can be included in Chapter 7 bankruptcy, the short answer in Arizona is yes. Past-due balances on your electric, gas, water, phone, and internet bills are generally treated as unsecured debts, which means they are dischargeable when your case closes.  There are a few important conditions, though,...

Ideally, if you have just received your discharge after bankruptcy, whether through Chapter 7 or Chapter 13, you are enjoying the benefits of having a fresh start without having to make debt payments. But the world is not a perfect place, and you may find that at some point shortly after your bankruptcy, you...

In an Arizona bankruptcy, you can include certain income tax debts for discharge, but only if you meet applicable rules. Arizona follows the federal bankruptcy code, which means your key considerations are the type of tax debt and its age.  Can you file bankruptcy on back taxes? The short answer is that tax debts...

Sometimes you can find yourself "underwater" on a secured loan, owing more on your balance than the property is worth. For some kinds of property, under the U.S. Bankruptcy Code, Chapter 13 bankruptcy allows you to address this problem by reducing the balance owed to the value of the property. This mechanism is called...

How long after bankruptcy can I get a car loan? You can apply for a car loan immediately after filing. Some dealerships offer exclusive financing to bankruptcy filers and will have a vehicle ready to close the next day after you file.  However, favorable financing terms usually require additional time after filing to rebuild...