Ariano & Reppucci, PLLC

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, [...]

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 [...]

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 [...]

I have said before, if you are expecting a substantial tax refund, you need to plan your chapter 7 bankruptcy filing around receiving that refund, it order to prevent its inclusion in the bankruptcy estate.  I recently had a client question this point, because her previous attorney had suggested that she need not worry about [...]

With the collapse of the housing market, it is relatively common for a homeowner to be underwater with regards to their home mortgage. My clients are no exception. Thus I am often asked about short sales, and how they relate to bankruptcy proceedings. Before we get ahead of ourselves, I should first make sure we [...]