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, [...]

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 [...]

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 [...]

When weighing the possibility of bankruptcy, the aftermath of filing is often a big concern for my clients. While bankruptcy offers the relief of debt discharge, it also carries with it uncertainties regarding the accessibility of future loans. How will bankruptcy affect my credit score? When will I qualify for a mortgage after bankruptcy? Will I [...]