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It is recommended to stop using your credit card 90 days before filing for Chapter 7 bankruptcy. Under the federal bankruptcy system, you can get into trouble if you use your credit card (or pay it off) in a way that creates suspicion, if not a presumption of fraudulent intent. In this blog post,...

In Arizona, the time it takes to foreclose depends on whether your home loan is mortgage-based or a deed-of-trust loan. The former uses a judicial foreclosure sheriff's sale, while the latter uses a non-judicial foreclosure trustee sale. The non-judicial foreclosure process in Arizona requires at least 91 days from the recording of the notice...

In Arizona, if you fall behind on your home mortgage payments for long enough, your mortgage servicer may begin foreclosure proceedings against you. Losing your home to foreclosure is not inevitable.  Depending on your circumstances, you may be able to use one of multiple paths to get current on your mortgage, work with your...

In Arizona, a bank account garnishment is a form of non-earnings garnishment. It allows a creditor to enforce a money judgment award against you by garnishing funds from your bank account. Here, we examine how these laws apply when a creditor attempts to use legal means to access your bank account through garnishment and...

If you receive an inheritance during your bankruptcy case, a question may arise as to whether you need to include the inheritance in your bankruptcy estate.  The answer to this question depends in large part on the timing of your inheritance: the general rule (unless an exception applies) is that if you are expecting...