Ariano & Reppucci, PLLC

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 [...]

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 [...]

Believe me, I get it. By the time you come into my office, you are likely months behind on credit card bills, getting threatening phone calls from you mortgage lender regarding last month’s missing payment, and your car is currently hiding in the garage from the repo man. So, it is of no surprise to [...]

I realize that most people find legal topics pretty darn boring. I will admit that even I have trouble reading the language sometimes. However, it is necessary that you fully grasp the process of filing for bankruptcy to avoid any confusion or regret. This is why I am excited to share this free online bankruptcy [...]

Remember that a Chapter 7 bankruptcy is referred to as a liquidation bankruptcy and involves forfeiting your non-exempt assets to a trustee in exchange for a discharge of debts. The trustee will liquidate you assets for cash in a trustee sale and distribute the balance (less a percentage and administrative costs) among your creditors. The [...]

I was recently talking with friends, who just had their first child. Despite having what they thought was pretty good insurance coverage, they were presented with a bill for $8,000.00 upon leaving the hospital for their portion of a routine labor and delivery. This got me thinking – when your average American is struggling to pay [...]

Well, because today is Wednesday (and I have a feeling it will be a long one) I have compiled a second installment of Hump Day Humor. Again, feel free to comment below with your favorite legal quote or attorney joke (just don’t be too hard on us). [T]he Court will fashion a new form of [...]

It is often the case that once a client decides to go ahead and file for chapter 7 protection, they are anxious to get the whole thing settled. They want the fresh start that is promised in the Bankruptcy Code. It is often source of frustration for them when they realize that filing bankruptcy cannot [...]

This is a common question that comes up with increased frequency between October and April, when tax season is just around the corner. So what do I say when a client sits down and asks me “Will I lose my tax refund by filing chapter 7 bankruptcy in Arizona?” The short answer: You Betcha. But, [...]

With rise in popularity of social networking sites such as facebook and twitter, the legal sector has felt aftershocks that were unimaginable just a decade ago. Don’t get me wrong, I am excited about all that technology has to offer. Consider the new live chat feature linked on our homepage. Gone are the days of unreturned phone messages and [...]