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Phoenix Bankruptcy & Debt Lawyer, Arizona


Michael J. Fuller Lawyer

Michael J. Fuller

VERIFIED
Wills & Probate, Collection, Business, Contract, Litigation

In 1988, I started my own firm without any clients but with a steadfast commitment to practice law consistent with my own ideals and personality. I tr... (more)

FREE CONSULTATION 

CONTACT

800-928-4380

Bert  Roos Lawyer

Bert Roos

VERIFIED
Criminal, Divorce & Family Law, Bankruptcy & Debt, Estate, Accident & Injury

Bert L. Roos, Personal Counsel is an attorney whose practice is primarily in the area of family law, such as Divorce, Child Custody, Child Support, Sp... (more)

Ana  Sanchez Lawyer

Ana Sanchez

VERIFIED
Criminal, DUI-DWI, Felony, Bankruptcy & Debt, Credit & Debt

Member of the State Bar of Arizona Admitted to practice in the United States District Court, District of Arizona. City of Scottsdale Public Defender C... (more)

FREE CONSULTATION 

CONTACT

800-875-9470

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Giancarlo  Sapelli Lawyer

Giancarlo Sapelli

VERIFIED
Criminal, Bankruptcy & Debt, Divorce & Family Law, Estate, Juvenile Law
Giancarlo Sapelli is an associate attorney at MY AZ LAWYERS.

Giancarlo Sapelli is very knowledgeable, and really cares about his clients needs. No situation is ever too difficult for him to handle. Mr. Sapelli o... (more)

FREE CONSULTATION 

CONTACT

800-266-2510

Candace E. Kallen Lawyer

Candace E. Kallen

VERIFIED
Divorce & Family Law, Criminal, Bankruptcy & Debt, Divorce, Family Law
Candace E. Kallen is the managing attorney with My AZ Lawyers, PLLC.

When choosing a lawyer to represent you in your case, be it a messy divorce, a bankruptcy to ease your debt, or defending your rights against criminal... (more)

FREE CONSULTATION 

CONTACT

800-977-2161

Dana  Hogle Lawyer

Dana Hogle

VERIFIED
Criminal, Accident & Injury, Estate, Bankruptcy & Debt, Divorce & Family Law
Criminal Defense and DUI Attorney in Mesa AZ

DUI, (sometimes called DWI), is one of the most common types of cases we handle in the Mesa, Gilbert, Chandler and Tempe areas. Whether you are charge... (more)

FREE CONSULTATION 

CONTACT

800-684-9891

Brad A Denton Lawyer

Brad A Denton

VERIFIED
Employment, Lawsuit & Dispute, Business, Real Estate, Collection

Brad represents primarily small businesses, and so he practices primarily in the areas of law that small businesses need. As a practical matter, Brad ... (more)

Peter H Westby

Bankruptcy, Business Organization, Employment, Estate Planning, Family Law
Status:  In Good Standing           

FREE CONSULTATION 

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Joseph A. Brophy

Banking & Finance, Bankruptcy, Corporate, Commercial Leasing, Landlord-Tenant
Status:  In Good Standing           

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LEGAL TERMS

NONPROFIT CORPORATION

A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or f... (more...)
A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or for some public purpose (such as a hospital, environmental organization or literary society). Nonprofit corporations, despite the name, can make a profit, but the business cannot be designed primarily for profit-making purposes, and the profits must be used for the benefit of the organization or purpose the corporation was created to help. When a nonprofit corporation dissolves, any remaining assets must be distributed to another nonprofit, not to board members. As with for-profit corporations, directors of nonprofit corporations are normally shielded from personal liability for the organization's debts. Some nonprofit corporations qualify for a federal tax exemption under _ 501(c)(3) of the Internal Revenue Code, with the result that contributions to the nonprofit are tax deductible by their donors.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)
A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)
A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)
A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)
In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)
A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)
A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)
A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.