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Mortgage Modification Mediation

  On February 1, 2017, the United States Bankruptcy Court for the District of Arizona implemented the Mortgage Modification Mediation Program. The program seeks to assist homeowner’s in achieving a home loan modification, if at all possible, thru a mediation program that is overseen by the court.  The program is only available to individuals who […]

Why do I need a Will?

Estate planning is something most people fail to prepare for during their lifetime as it is often viewed as a daunting or even morbid task. The failure to complete this task can have unexpected consequences and impact your loved ones on a very personal level.  At the bare minimum, it is recommended that an individual […]


The filing of a bankruptcy can help avoid a home foreclosure and bring individuals current with their mortgage lenders. The automatic stay prevents creditors from taking collection action, including proceeding with a pending foreclosure or initiating one. A creditor can proceed with the foreclosure only after they obtain an Order from the Court granting relief […]


ESTATE PLANNING CONSIDERATIONS AND YOUR CHILDREN MINOR CHILDREN One of the most important considerations for individuals drafting estate plans is their family. Specifically, their children. It is an even greater consideration when children are still minors. Most parents want to know who is going to care and provide for their minor children should something happen. […]


ESTATE PLANNING FOR NEWLYWEDS Getting married is one of the most blissful times for a couple. Once the wedding festivities have completed most couples move on to the honeymoon stage of their marriage and forget that there is more to marriage than “one sheet of paper.” In fact, there are several pieces of paper that […]

Bankruptcy: Is it the right option for you?

Bankruptcy: Is it the right option for you? Financial distress is a difficult issue to cope with; however, there are ways to alleviate the stress it can cause. One option that may help to relieve financial stress is filing a bankruptcy. Deciding whether or not to file bankruptcy is a difficult task. There are several […]

Estate Planning: Is it right for you?

You don’t have to be wealthy to be concerned about your estate and financial future. Ask yourself the following questions. Do you have minor children? Do you own a home? Do you know who you would want in control of your decision making should you become incapacitated for any reason? For most adults the answer […]

Bankruptcy & Your Tax Refunds

  When filing a chapter 7 bankruptcy it is important to consider what will happen to your tax refund. The bankruptcy estate is entitled to a prorated portion of your next tax refund and all of your previous tax refund if it was not received prior to filing bankruptcy. The court utilizes a simple formula […]