Ariano & Reppucci, PLLC

If you are a frequent reader, you may have discovered that I like to break up large topics into smaller pieces. I do this to keep my blog posts short and manageable for my readers. However, I was recently informed that this can make research of bankruptcy topics more difficult. A new reader may reach [...]

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 [...]

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 [...]

Are you wondering if you qualify for chapter 7 bankruptcy? Do you want to know how to find out? Go meet with an experienced bankruptcy lawyer. No, seriously. That is the best advice I can give you. Qualifying for chapter bankruptcy is so much more than simply the elusive “Means Test” that everyone (okay, maybe not [...]

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, [...]

I have recently noticed that the concept of a bankruptcy trustee is forgien to many of my clients. This makes sense, given that most have zero prior experience with the bankruptcy court system. In a nutshell, a trustee is the court appointed official who administers the debtor’s bankruptcy estate.   A Chapter 7 trusteeliquidates non exempt property [...]