Xưởng Thời Trang Nam

03/18/2022

Rents in the PHX area have gone up 30%. I just read an article on it and it talked about the obvious: when rent goes up, you go without other things. You might have to spend less on food and entertainment.

A lot of time, though, it is much more serious than just "cutting back".

Servicing credit card debt is often the last wall that falls. Most of the time (not all of the time), but most of the time, the fact that you carry a large credit card balance on multiple cards is evidence that your financial crisis has already started.

It wasn't intentional. You had medical issues. Loss of income. You got divorced. And so you sought out help from a few credit cards to get you buy.

You made the payments. You were recovering, getting back to where you need to be. And then, suddenly, your rent goes up 500 a month. And it's that way literally everywhere.

Gas goes up too, so your commute is more expensive. Folks this is just a problem that is difficult to avoid for a significant amount of people.

Call for a consultation. Get it figured out. No pressure sales or anything.

03/14/2022

When groceries and gas go up, a tight budget bursts. It starts with a few late payments on rent or mortgage or car. Credit cards become a question.

Like that action / disaster movie about a dam breaking-It shows a crack here, a leak there, a brick pop out and then the big scene where it just breaks entirely and the water flows.

Or, there is a successful quest to save the day. It's one or the other. Disaster or avoiding the disaster.

That is sometimes our story too, in a financial crisis.

Do not do it alone.

www.azdebtattorney.com
480-842-8786

02/03/2022

I was just on a telephonic hearing at the Bankruptcy Court. The case before me was a man who had filed Chapter 7 by himself. He did not understand the homestead exemption and is now facing losing his house because his Chapter 7 Trustee hired an attorney.

Don't do this by yourself.

www.azdebtattorney.com

In debt? Backed by 20+ years of experience, our bankruptcy attorneys in Gilbert can guide you to debt relief solutions that work for you.

02/02/2022

Life is hard. Sometimes you make the wrong choice.

Not everything can be fixed. Many financial mistakes can.

Call for a free consult: 480-842-8786

12/31/2021

I was defending an eviction yesterday and ours was very complicated so we actually had a trial. Since we had a trial the San Tan Justice court judge wanted us to come in and of course, we went last.

As we sat there waiting our turn many folks appeared on the phone and one in person to face their eviction.

Even though a defense to eviction is NOT "I can't afford it" or "I will pay soon", many appear to say just that.

Two stories stuck out to me:

1. A guy who's fiance/partner had just had a baby via C-section and as he said, "there were other complications", so she had been out of work longer than expected and they had lost income due to that. He pleaded for 30 days to gather the funds to pay the rent so he could keep a roof over the head of he and his partner and their 6 month old baby. He had "things to sell" and could work more hours. Unfortunately, the Judge had no ability to do that and granted the eviction, with a 5 day notice.

2. A Spanish speaking gal who first had to request an interpreter, which the Judge almost didn't get because "it seems like you understand enough" and then his better judgment overcame him and he went through the process to get an interpreter on the line. He then listened to her story about how she has a friend who lives with her. They lost hours. She has a young child. She made a partial payment but the landlord says they don't have it and because it was partial and because it was a personal check they won't accept it. She did not understand that when she sent it.

So on and so forth. The main issue for her being that she doesn't speak English well and so she's likely not understanding the lease, the late notices, the conversation with the landlord and so on. Just a dang shame, really.

Judgment for the landlord, out in five days.

Where will these people go? My heart hurt and I realized this just happens everyday all over the world in some way shape or form.

07/23/2021

I really enjoy the rain. Today I propped open my office door and just let the rain fall outside and listened to the sounds of the cars splashing the puddles that formed. The occasional beep, of course, but mostly just this sort of serene sound for most of the morning.

It was a contrast to what I was dealing with inside my office. I worked on a case where a client is struggling to save her home on her fixed income and while trying to take care of an adult son with serious health problems.

I spoke with a client who was being sued for an old credit card that he was pretty sure he paid, but could not remember. His English struggles made the issue even more troublesome for him.

I spoke with a client with a recent car repossession. She had lost her job or lost hours due to Covid, fell behind on her payments, and the car was repossessed.

I could go on, but you get the point. This is the day to day life for me and my paralegal.

We are here to help. Reach out. Get your help. We'll treat you kindly and we try really hard to keep our prices reasonable and affordable.

Have a great weekend! Drive safe!

06/03/2021

Are you aware of the big changes to Arizona law coming January 1, 2022?

Arizona has INCREASED its homestead exemption to $250,000 (from $150,000). Obviously the sudden increase in home values required this.

But in doing so, your Arizona legislature changed some important protections you had on your home from judgments against you.

Now, more than ever, if you have debt issues, getting counsel from an experienced bankruptcy attorney is vital to you success in getting out of those debt issues without losing valuable assets, such as your home.

Contact us at 480-842-8786 for a free consultation.
www.azdebtattorney.com
[email protected]

Our Arizona bankruptcy attorneys in Gilbert have helped clients achieve debt relief by filing Chapter 7 and Chapter 13 bankruptcy.

05/11/2021

Chapter 7 Bankruptcy is usually used to eliminate overwhelming debt following divorce, medical emergency, job loss, pandemic related hardships and other issues.

Chapter 13 is usually used to cure mortgage arrears, pay overdue taxes, or save a car from repossession.

Both are useful tools to help "reset" your life, financially speaking.

Call us 480-842-8786 for a FREE 1 HOUR consultation over the phone, via Zoom, or in person.

www.azdebtattorney.com

05/10/2021

Hi! If you know me or April Keena post a review of us! Hopefully it's nice! You can speak to characteristics you know of us that would make a person want to do business!

Thank you!

05/04/2021

STOP FORECLOSURE

Did you know that at the end of June the Federal stay on foreclosures ends? There is an estimated 3 million homes in arrears in the US and that could be a conservative estimate.

Chapter 13 Bankruptcy takes the back payments you owe and allows you to pay them over time. Essentially to save your home from foreclosure. And then obviously it helps to address other debts.

There is some talk in Washington about alternative solutions as well. Those have yet to pass or be installed officially.

But discuss your options at a free one hour consult via zoom or telephone!

ZERO DOWN CHAPTER 7

Or if Chapter 7 is what you need, we offer a free, 1 hour consult to discuss whether you need a Chapter 7 bankruptcy.

Call us at 480-842-8786 or visit our website at www.azdebtattorney.com

Our Arizona bankruptcy attorneys in Gilbert have helped clients achieve debt relief by filing Chapter 7 and Chapter 13 bankruptcy.

04/23/2021

There is a fascinating bill in the Arizona Legislature that will be interesting to anyone who has unsecured debt (credit cards, medical bills, etc) that is in danger of going delinquent or is already delinquent and owns a home.

This bill essentially makes it easier for creditors to attach judgments on unsecured debt past, present, and future to your home! There are even circumstances where if you refinanced your home, the bank might have to pay your judgments first and then pay you.

This is a radical change in debt collection practice in AZ if this bill passes.

However, this bill also raises the homestead exemption from $150,000 to $250,000. So if you were told previously that filing a Chapter 7 might cause you to lose your home due to its value, if this bill passes, that might not be the case.

The point here is that laws change and so if you have some difficult issues with your debt, why not have a FREE 1 hour consultation with a bankruptcy attorney?

Check out the bill here: https://legiscan.com/AZ/text/HB2617/id/2317562

04/01/2021

At the D.M. Bankruptcy Law Group, LLC, we can move fast! We will obviously take time to ensure the choice you are making is correct and that we will not put you in harms way by being careless, but we can definitely move quickly to stop a garnishment or foreclosure.

Please remember that, especially when the lawsuit or garnishment comes. Or worse, the foreclosure notice (often called a Notice of Trustee's sale here in AZ).