Introduction to Debt Settlement During Divorce Divorce can be an extremely difficult time for many people, financially speaking. A divorce will often require both spouses to rearrange their personal budgets as they adjust to (for example) child support payments, spousal support payments, and payments toward debts the couple acquired during the course of the marriage. […]
Introduction to Settling a Joint Debt or Obligation Because debt settlement is, essentially, a voluntary contract entered into between a creditor and a debtor whereby the two parties agree to resolve the debtor’s outstanding obligation through one or more payments that total less than the total amount owed, parties in a debt settlement agreement have […]
Introduction The job numbers released today by the Labor Department show that the unemployment rate in America increased last month as a result of more and more individuals looking for work – some of whom have not held jobs in years. The Great Recession of 2008 left many Americans out of work and with no […]
Introduction Timing is everything. While we are often encouraged to “strike while the iron is hot” and avoid unnecessary delay, attempting to take advantage of an opportunity too early can often result in consequences that are just as undesirous as if we had waited too long. This is true in debt settlement negotiations as well. […]
Choosing Between Debt Settlement and Debt Consolidation Our lives are fluid: things are constantly changing. Even our preferences can change in a matter of moments. Steak may have sounded good for dinner at 4:00 p.m., but chicken may sound preferable at 5:00 p.m. What holds true for our tastes and appetites holds true for our […]
Will I be able to obtain loans after filing bankruptcy in Arizona? Once you have filed for bankruptcy or received your discharge, there are probably many questions floating around your head. One important question is how you can obtain loans for life purchases, such as buying a vehicle or a home. There are still ways […]
Should I file for bankruptcy? Evaluating your Situation. by the Arizona Bankruptcy Attorneys of Ariano & Reppucci, PLLC While you may contemplate filing bankruptcy because of unmanageable debt in your individual or business situation, it is important to do a cost-benefit analysis to determine whether it is the best route for you. An analysis of […]
Are you wondering about the aftermath of bankruptcy? What happens to your credit after bankruptcy? Have you consulted an experienced Arizona bankruptcy attorney? Life after receiving your discharge for a Chapter 7 or Chapter 13 bankruptcy can be relieving but also confusing. You may be wondering what to do now and how the bankruptcy […]