Ariano & Reppucci, PLLC

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 [...]

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 [...]

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 [...]

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 [...]

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 [...]

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 [...]