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Posts tagged "Bankruptcy"

Make a smart plan to pay off holiday credit card debt

Trying to pay off the holiday purchases you made on a credit card is likely going to be a priority right after the holiday is over. You have to think about the ways that you are going to handle the situation so that you don't make errors that could cost you dearly in the long term.

Professional athletes are likely to file bankruptcy

Many people think that having money means that they aren't going to ever run into financial troubles. This isn't anywhere close to the case. Think about professional athletes. These individuals make millions of dollars to play ball, but many of them end up having to file for bankruptcy protection.

Do I need to file my overdue taxes before Chapter 13 bankruptcy?

One of the federal requirements for Chapter 13 bankruptcy filers is that you have filed all of your tax returns within the last four years of your filing. You must also file all tax return that are due following the initiation of your bankruptcy proceedings.

Vacations and debt

One thing summer sees a lot of are people taking vacations. One thing individuals may want to keep in mind when planning a summer vacation is finances.

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.

Identifying the best ways to consolidate debt

Arizona residents may not be aware of the best ways to reduce debt. Consolidating debts and cancelling credit cards can help, but if certain precautions aren't taken, the result could be more harmful to a credit score in the end. It is possible that individuals attempting to consolidate their debt may be close to making their debt problems even worse. Pinpointing what the goal is when choosing to consolidate may help to avoid pitfalls.

Credit card debt statistics for 2014

Arizona residents who owe thousands of dollars in credit card debt are not alone, according to a recent analysis of Federal Reserve statistics and government data. As of December 2014, the average household in the United States has $7,281 in outstanding credit card debt. When the households without any debt are taken out of the equation, the average household owes $15,608 on credit cards. In total, Americans owe approximately $881.8 billion in credit card debt as of September 2014.

  • 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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