Ariano & Reppucci, PLLC

It is a common scenario, you are filing bankruptcy stop garnishments, prevent foreclosure, erase credit card debt….the reason isn’t important for this discussion. What is important? That you currently own a vehicle with a pretty hefty lien [lien = car loan] against it. When your creditor gets wind that you are filing, they will contact [...]

First of all, take a deep breath. I understand that receiving notice of a lawsuit can feel like a rather dramatic experience. Often times, the complaint is filled with aggressive legal vernacular that is pretty scary. However, if there is one thing you take away from this post, remember that everything in the legal system [...]

Good Morning, and happy Wednesday! Because it is Wednesday, and we could all use a little break on Wednesday, I have included a bankruptcy video for you in today’s blog post. In this video, you will find information on how to file bankruptcy. In fact, here is the caption that accompanies this bankruptcy video: How [...]

Hello folks, I hope you are all having a great Thursday. It is almost the end of the week, so there is at least one thing to be happy about today. If you are anything like me, your mind is already starting to wander towards mashed potatoes and pumpkin pie. Let me be frank and [...]

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 [...]

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 [...]

Occasionally, I find the time to look over the keywords that bring clients to my website. Here are a few that stood out to me: Cheap Phoenix Bankruptcy Lawyer Affordable Attorney Arizona Bankruptcy Best Phoenix Bankruptcy Lawyer Top Arizona Bankruptcy Lawyer Gilbert Car Rental (huh?) Does anything jump out at you? As a bankruptcy lawyer, [...]

I get a lot of clients that are pretty worked up about taking and completing the consumer credit counseling classes that, since 2005, are a required step in filing for bankruptcy. This is why I want to take a few minutes to shed some light on the process – like most things, these classes are [...]

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 [...]