January 2015 Archives

Paying back discharged debts

People who live in Arizona may be wondering what laws exist to protect a debtor who has filed a bankruptcy case that has already closed. Some individuals may wish to repay a discharged debt, regardless of not being legally required to do so after a bankruptcy case has concluded. Sometimes they might repay a debt if it was owed to a family member or another person with whom they must maintain good relations.

When a homeowner files Chapter 13 bankruptcy

Many people in Arizona have real concerns about what will happen to their home in the event they file for bankruptcy. Like most homeowners, filers may have one or more mortgages on their homes. Those mortgages may be seriously delinquent or they may have already received a foreclosure notice but the home has not yet been auctioned.

Debt settlement or credit counseling?

Debtors in Arizona could potentially benefit from understanding more about the differences between debt settlement companies and credit counselors as described by the Consumer Financial Protection Bureau. Debt settlement and credit counselor services are both valuable resources for indebted consumers, but the two are quite dissimilar. Law firms and corporations operating for profit typically provide debt settlement services. In contrast, credit counselors are often provided by non-profit organizations.

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.

What can be done to stop debt collectors from contacting me?

An Arizona resident or anyone else dealing with debt collectors may have options to get the contact to stop. One option is to send a letter to the debt collector demanding that contact cease immediately. The debt collector may then only reply to say that no further contact is planned or that legal action may be forthcoming. While the contact may stop, it does not make a valid debt go away.

  • 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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