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March 2015 Archives

Handling credit card interest rate increases

Arizona credit cardholders might be interested in learning more about why credit card interest rates sometimes increase. In some cases, it is because a promotional APR has expired, so the cardholder is being charged the normal rate. Another reason is because the cardholder has missed two or more payments and is being charged a penalty rate. Those who are charged a penalty rate may have their rate reduced if they make on-time payments for six months or more.

Binding arbitration clause information for Arizona consumers

On March 10, the results of an extensive study by the Consumer Financial Protection Bureau were released. The CFPB found that binding arbitration clauses in consumer contracts severely limit their ability to be able to sue a creditor in the event of a legal dispute.

Deciding on the best personal bankruptcy option

Arizona residents may not view bankruptcy as an ideal solution to their financial problems. However, it can be a helpful step in recovering from challenging circumstances such as a medical emergency or a long period of unemployment. There are two primary options for personal bankruptcy, Chapter 7 and Chapter 13, and each has its own benefits as well as requirements.

Implications of bankruptcy for couples in Arizona

If a couple is considering getting married, one thing they may be concerned about is if one of the individuals has filed for bankruptcy or has poor credit. Even though people are generally not required to pay off the debts of their spouse unless the debt is in both of their names, there can still be financial implications if one person's finances are shaky.

  • MCBA | Maricopa County Bar Association
  • State Bar of Arizona
  • ABA | American bar Association | Defending Liberty Pursuing Justice
  • Oregon State bar
  • NACBA | National Association of Consumer Bankruptcy Attorneys
  • NACA | National Association of Consumer Advocates
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The Dodds Law Firm, PLC, is located in Surprise and serves clients throughout the West Valley area. To schedule a consultation with a lawyer, call 623-208-6098 or toll free at 877-827-9906. You can also contact us online.

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