Bankruptcy Spouse
I confess that I have had many clients, part way through the bankruptcy process, they were very nervous before our initial consultation. To their own detriment, I think presentation of even more delayed due to this anxiety. I have to say that my feelings were a little hurt when I realized that many people have a lot of lawyer-phobic.
If you ask any long-term client, you will find that this fear is decreased rapidly. One of my top priorities is to create a comfortable environment and relaxed for my bankruptcy clients. However, in the hope of appeasing the future customers that have not yet come to know, I have provided a list of questions you can do during our initial consultation. See? Not that bad:
Have you lived in Arizona for more than 2 consecutive years? Are you currently a U.S. citizen?
Have you ever declared bankruptcy before? What was the date of submission? Do you understand the eight years that must pass the date of its last filing Chapter 7 before you can file again?
Can you estimate the amount of your current debt? Assets? Do you know the approximate proportion of the insured against without warranty?
Do you own your home? What is the current mortgage balance? What is the value estimate? Do you understand that Chapter 7 bankruptcy in Arizona home exemption is $ 150,000?
Do you usually file taxes? Are you currently due a refund of state or federal government? Do you understand that tax refunds are generally not exempt when filing bankruptcy in Arizona?
Do you currently own a car? Do you own several cars? What is the equity in these cars? Do you understand that Chapter 7 bankruptcy in Arizona motor vehicle exemption is $ 5,000?
Are you filing for bankruptcy to discharge student loans, alimony, or child support payments? Do you understand that these debts can not be discharged in Chapter 7 bankruptcy?
Is there any chance that you may receive an inheritance or unexpected in the near future? " You realize that your bankruptcy can still be opened after debts are discharged and money acquired after discharge may still be considered part of the estate in bankruptcy? Do you realize this also includes any trial to be granted?
Having recently made any large purchases on their credit cards? Have you made any large gifts or rebates to a friend or family member? Have you transferred the assets?
Have no friend of the family members signed on your debts? Do you understand that the bankruptcy will only remove personal responsibility and not that of his fellow signatories?
Do you currently have a kind of savings account? Do you understand that some forms of account (such as IRA, 401k) can not be regarded as part of the estate in bankruptcy? Do you realize that only the first $ 150 in your savings / current account is considered exempt?
Do you realize that there is a fee high associated with filing bankruptcy and complete Credit Counseling? You understand that, unless specifically in our fee agreement, these charges is in addition to attorneys' fees?
And while we're on the subject, do you realize that there are attorney fees associated with bankruptcy? Did you realize that these rates are often required in advance?
Are you currently wages garnished? Does your principal residence Arizona facing foreclosure? Are you being sued?
Are you married? If so, your spouse is also filing? Do you realize that Arizona is a state of community ownership, which may complicate the filing of bankruptcy by one spouse?
Do you realize that bankruptcy is not the case during the night? Are you ready to fill the seemingly endless amounts of paperwork that will be sent your way? Do you understand that you must document all of your debts completely and assets?
Do you currently own a business? Are you currently a member of a partnership agreement? Do you own patents?
Do not hold me to this list, since some of them can not come during our initial consultation bankruptcy and can think a little more on the road. But in any case, I hope you realize that there is nothing to worry about. Most of these questions are quite easy if you've taken the time to organize your personal documents.
My name is Christopher H. Ariano and I am a Phoenix bankruptcy attorney and managing partner of Ariano & Reppucci, PLLC. We are a boutique law firm located in Phoenix, Arizona that focuses on the preparation and filing of consumer bankruptcy petitions. If you are in need of an experienced and dependable Phoenix bankruptcy lawyer, don’t hesitate to contact me today.
The information contained on this web site may provide general legal information but is not intended to give legal advice or counsel on any specific legal matter. It does not create an attorney-client relationship and should not be relied upon in lieu of legal counsel. The links provided in this web site are for the information and enjoyment of on-line readers and do not constitute an endorsement of products or services represented there. The hiring of a lawyer is an important decision and you should consider the information contained on this Website as well as other factors in making your own decision.
Ex-Spouse Threatening Bankruptcy – What to do
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