Ariano & Reppucci, PLLC

This is an interesting question, which comes up fairly often. And for good reason – the attorney’s fees associated with filing for chapter 7 or chapter 13 consumer bankruptcy are pretty substantial. And for those individuals already drowning in debt, it can seem nearly impossible to come up with the couple grand it will likely [...]

So, what is your most valuable asset – your house maybe? Then what? Often times the car is next in line. But, if you are married, wedding/engagement rings are pretty high on this list. Thus, it is not surprising that wedding/engagement rings are a subject of apprehension when filing for Arizona chapter 7 bankruptcy protection. The [...]

Good Morning! Today I am in Tucson, booked just about solid with free bankruptcy consultations. (Shameless Plug: If you are in Tucson and would like to schedule a free bankruptcy consultation, give me a call. I can still squeeze a few appointments in.) So, this will be a short one. However, I wanted to direct [...]

Hey there folks – it is Wednesday, and I suppose by now you can guess what that means? A little bit of humor is in order. Today I would like to leave the topic of bankruptcy all together, and focus on the broader concept of perspective. I realize that filing bankruptcy likely tops the list [...]

In case you are a new reader, I am an affordable Phoenix, Arizona bankruptcy attorney. I help consumers file for chapter 7 or chapter 13 bankruptcy protection under the bankruptcy code. Like many good Phoenix bankruptcy lawyers, I offer my clients free bankruptcy consultations. This allows potential clients to interview me and, in addition, for me to interview [...]

As you all may know, filing for chapter 7 bankruptcy protection is often a pretty efficient way to rid yourself of burdensome debt. Don’t get me wrong, there are serious ramifications associated with filing bankruptcy – these must be adequately understood and considered prior to filing. However, as long as you are realistic about your [...]

The cost of secondary education is enormous these days, something I know all too well after 4 years undergraduate school + 3 years law school. Consider the tables below (which may I add don’t include all loan types): Even a two year degree will put the average student over $10,000 in the hole. And when you [...]

I am back today (better late than never, huh), with more information regarding what the heck “6 months food, fuel and provisions” actually means.  We last talked about grocery store gift cards – whether they are considered an exempt asset. Today I would like to mention a few things regarding prepaying your utility bills. Let’s go [...]

First, let me say, that if anyone knows the answer to this question can you please come in now? I mean, by God, just as I start to think I have it down cold, a case is assigned to a new trustee - one that turns all my ideas upside down. Before you get too worried [...]

I am of the belief that I work for my clients, and thus I try to provide the best possible customer service. This includes collecting fees for petition filing and credit counseling, so that I can properly make these payments for them. However, I have noticed that clients are often taken aback when I first explain [...]