Ariano & Reppucci, PLLC

I have to admit, I have been slacking on my hump day humor. Don’t fear, because this week I am back. Below is a story I found regarding the declaration and transfer of assets in bankruptcy. While the line of questions may be humorous, there is a serious point to be made. Bankruptcy fraud is not something to take [...]

If I had a nickel for every time I am asked this question, I would have a lot of nickels. The elimination of tax debt in bankruptcy can be a little tricky, and I often like to meet with clients to go over the necessary documents together before I make the assessment of whether or [...]

Well folks, it’s time for part two of how to maximize your bankruptcy exemptions: lien stripping. Last week we discussed lien avoidance as a way to remove the secured status of certain lien that impair your bankruptcy exemptions. Today I want to say a few words about lien stripping, which refers to the stripping of [...]

With the collapse of the housing market, it is relatively common for a homeowner to be underwater with regards to their home mortgage. My clients are no exception. Thus I am often asked about short sales, and how they relate to bankruptcy proceedings. Before we get ahead of ourselves, I should first make sure we [...]

I was recently asked to explain the difference between a lien avoidance and lien stripping, and I am happy to oblige. Here is part 1. A lien can be thought of as a right to retain the lawful possession of the property of another until the owner fulfills a legal duty to the person holding [...]

I’ve had many clients confess, part way through the bankruptcy process, that they were extremely nervous prior to our initial consultation. To their own detriment, I believe that several even postponed filing because of this anxiety. I have to say that my feelings were just a little hurt when I realized that many people have [...]

At the request of our clients, Ariano & Reppucci PLLC is now offering ‘Bankruptcy by Phone’. With our convenient ‘Bankruptcy by Phone’ service, you can complete almost the entire bankruptcy process from the comfort of your own home without sacrificing quality legal representation. First let me explain the process. We have created a dedicated phone line that directly [...]

Let me tell you about a common scenario I encounter. It is towards the end of a bankruptcy consultation and I have given my speech regarding the ins and outs of the bankruptcy process, the difference between chapter 7 and chapter 13 filings, and what not. I ask my potential client if they have any [...]

Believe me, I get it. By the time you come into my office, you are likely months behind on credit card bills, getting threatening phone calls from you mortgage lender regarding last month’s missing payment, and your car is currently hiding in the garage from the repo man. So, it is of no surprise to [...]

I realize that most people find legal topics pretty darn boring. I will admit that even I have trouble reading the language sometimes. However, it is necessary that you fully grasp the process of filing for bankruptcy to avoid any confusion or regret. This is why I am excited to share this free online bankruptcy [...]