Ariano & Reppucci, PLLC

Ok, pop quiz time. For those of you that are familiar with the term HELOC (Home Equity Line of Credit), please answer the following question: A HELOC is most similar to: A Credit Card (or other unsecured debt) A Home Mortgage (debt secured by home equity) A man that comes and opens your doors when [...]

If you are anything like me, you have just had a huge lunch and are ready to sit back and relax… rest and digest. What I am thinking is that it is movie time….are you with me? Today I have included a clip from the US Bankruptcy Courts that presents general information regarding the three [...]

I have to admit, it has been a loooooong time since I have given you guys a Wednesday chuckle. See, it is not that I don’t have a sense of humor or that I don’t care if you have any humnor in your day. Instead, the problem is simply that bankruptcy is not all that [...]

Disclaimer: Post is written as much for me (the qualified Arizona bankruptcy attorney whose desk is being overtaken by a mountain of paperwork) as it is for you, the debtor. Many of my clients are under the belief that they need to provide me with every bill, collections notice and threatening letter they have received [...]

Thank you 2005 Amendment to the Bankruptcy Code, for thoroughly confusing every last bankruptcy client that happens to view my website or advertisements. You see, as an experienced bankruptcy lawyer, I am bound by certain restrictions on advertisements for my bankruptcy law firm. Case in point: “We are a debt relief agency. We help people [...]

So you have taken a huge step an filed for Arizona bankruptcy protection? Congratulations – you are one step closer to a debt free life. Your creditors will no longer be bothering you, so feel free to plug your phone back into the wall. I bet you are wondering what happens next. Well, a 341 [...]

I recently stumbled across a South Carolina case, as described by a fellow blogger. In short, the chapter 13 bankruptcy plan was rejected by the trustee, because it included two pretty good sized mortgage payments as required expenses. The problem? One was a primary mortgage on a second seperate home, in which a family member [...]

I have noticed there is a good amount of confusion when it comes to secured debts. It is understandable, really. Every time you enter into a financial agreement – buying a home, securing a car loan, applying for credit cards – there are pages and pages of information spelling out the terms of the agreement. [...]

What Is A Bankruptcy Automatic Stay? How Do I Get One? Do I Want An Automatic Stay? If you are considering filing for consumer bankruptcy protection – you have probably discovered the little language that we bankruptcy attorneys like to throw around. Let’s call it banklish, or perhaps boringlish is more fitting. Regardless, it can [...]

I get a fair numbered of panicked phone calls from debtors – both clients and non-clients – regarding the time and location of their 341 hearing. Thankfully, the District of Arizona Bankruptcy Court provides a pretty nifty resource that allows anyone with Internet access to view the 341 hearing schedules. For those of you wondering, [...]