Based on your description, it appears you are fighting an uphill battle that you can never win. Consider looking into filing for bankruptcy. But first, please understand that bankruptcy is a very complicated process. It is important that you educate yourself about bankruptcy before jumping into the... View More

When a bankruptcy is filed, it should be planned ahead. The goal is to make the debtor and their transactions as boring as possible. You can do this with an experienced bankruptcy attorney who cares about their clients.

As to your questions, first you have to determine which exemptions you... View More

I wish your question had a simple 'yes' or 'no' answer, but the answer depends on timing. There are specific time periods that apply to the filing of any bankruptcy and which exemptions can be used. Your unique situation makes it extremely important that you talk to an... View More

Your sister-in-law needs to file an answer stating that she is not your wife, nor is she liable to for the debt (unless she is).

The following assumes you are filing in Arizona. A denial of the reaffirmation is NOT bad. It means you can keep the vehicle so long as you are current on payments at the time of the reaffirmation hearing, and that you stay current. Also, the vehicle needs to be insured. The judge denies the... View More

This process is an attempt to put the foreclosure on hold. Normally this is not successful unless you can prove the lender or trustee did not follow the law. The better course is to contact the trustee and request a reinstatement (which would bring the loan current, plus costs). The next option... View More

Under Arizona law - a trustee's sale can be processed by any lender for any material default under the deed of trust. It does not matter who owns the property.

I hope this helps.

Mr. Denison's answer is not correct for Arizona, but it might be for his state. This is a much more complicated question than you realize. Prop 209 is being challenged. Plus Prop 209 (assuming it stands as is), will only apply to those bankruptcies filed after December 5, 2022. Depending on... View More

Great question, but it would be necessary to gather a lot more information in order to help you determine your rights. First - contact your attorney. They should know why you filed the bankruptcy and what you want to accomplish. If you did not use an attorney (good job getting this far because... View More

You posted this question using "I have an SMA loan, payroll, rent..." which means that you, as a human has those debts. But the title says "small business needed to file bankruptcy". I am not sure if you need advice regarding bankruptcy for you, or for your company.... View More

I don't see a question here. From your description, you do not own the house, the payments have not been made, and the lender is foreclosing. Which they have a right to.

As Attorney Denison suggested you should talk to an experienced attorney in order to determine your exposure and your rights. In Arizona judgments can be renewed repeatedly, also judgments attach to your home, whether you own one now or in the future. Bankruptcy may be a way to clean up your past... View More

Your "employer" needs to talk with an experienced bankruptcy attorney in order to determine their best course of action. This is not a decision that should be made lightly. Do not rely on a "mass-production" law firm (one that pays for advertising on the Internet or TV).... View More

As bankruptcy lawyer and retired law professor, my goal is to educate people about their options, including bankruptcy. There are many questions you need to ask and things you need to learn before deciding that baakruptcy is an option. Most good consumer attorneys offer a free consultation.

I am so sorry to hear about your situation. There are two issues: 1) a criminal act of forging someone's signature. 2) your liability (if any) to the creditors. For the first file a police report for identify theft. Contact the Attorney General's office for instructions on your rights... View More

The creditor has rights - including domesticating a judgment from one state to another. Rather than running and hiding, talk to a good bankruptcy attorney in the state where you live. Find out what your rights and obligations are and how, of if, bankruptcy might help you find a more peaceful... View More

In Arizona, the settlement is usually not exempt. Therefore, the trustee has a duty to decide if it is sufficient to administrate. The trustee may elect to return the funds to you. You can make an appointment to talk to a volunteer attorney at the Bankruptcy Court's Self-Help Center -... View More

You would calculate "income" to include wages, regular gifts, self-employment, benefits where others are paying your bills (such as cell phone or food). You list expenses as your actual expenses - such as that you actually pay for your housing. Most consumer bankruptcy attorneys offer... View More

Do don't mention how bankruptcy plays into your questions. If you are in or were in bankruptcy - contact your bankruptcy attorney for advice. If you are or were not in bankruptcy - you should move this post to another topic.

There is a Self-Help Center at the Arizona Bankruptcy Court - 602-682-4007. You can sign up to talk to an experienced bankruptcy attorney, free for 20 minutes.