As we find ourselves in the midst of the COVID-19 pandemic, many people are overwhelmed by the uncertainty of life, including how they will survive afterwards and regain normalcy in their lives. This is especially true for those that have been laid off or temporarily unemployed as a result of the mandatory closures of many “non-essential” businesses. Many will suffer financial hardship as a result and will likely face overwhelming debt. So, how can you protect yourself during these uncertain times?

While the government is promising some relief for families through the Families First Coronovirus Response Act (, and some creditors are offering short term deferments, you should also look for resources and information that are available on-line. Since it is imperative that you protect your assets and all “essential” services first, make sure to focus on paying those creditors or make payment arrangements. Some creditors are offering payment deferment programs and many lenders have posted help-lines on their websites for customers to call. If you can’t find anything on-line, pick up the phone and call to see what payment options are available. Focus on paying what is necessary and essential; non-essential debts like credit cards can wait since the debts are not secured by an asset that can be repossessed. But be warned that credit card creditors may hold off collection efforts for a short time during the pandemic and a few months after, but don’t assume that they will forgive late payments or penalties once the immediate crisis passes.

Bankruptcy can happen to anyone. Dodge & Vega Arizona Bankruptcy Lawyers Can Help

That being said, when the crisis subsides and the dust settles (and it will), you may find yourself in unexpected heavy debt. You will not be alone. There are several options to manage your debt, including debt consolidation, refinancing, qualifying for lower rates, and debt management programs. But if all options fail, you may have to turn to debt relief in the form of filing bankruptcy. At Dodge & Vega, PLC, we have been working with and have counseled many individuals and families about financial problems and whether bankruptcy is right for them.

If you are struggling financially and want to know about all of your debt relief options, then contact our office to schedule a free consultation with our firm and know your rights. 480-656-8333.

Written By:

Kaci Brown, Dodge & Vega PLC


Dodge & Vega PLC founded by Ben Dodge, attorney at law. Ben owns and manages a law firm of Affordable Arizona Bankruptcy, Family Law, and Personal Injury Lawyers. He is a nationally certified trial attorney, entrepreneur, endurance Athlete, and extreme Ultra Cyclist.

Ben Dodge, Esq.




A consultation with experienced Arizona Divorce Attorney Ben Dodge is free

Understanding your rights and what you are entitled too, Ben Dodge is known as a serious litigator. There are two types of attorneys, those that sit behind a desk and push paper and those who actually hit the court room in the real world and get things done. Ben is a litigator who thrives in the court room. He once said: “It is one thing to tell your clients you are a good lawyer, it is an entirely different thing to be willing to prove it to them while they watch you do your work in front of them, in front of a jury watching your every move, in front of a judge, and your peers who are lawyers on the other side if your case. I love the opportunity to go to court and put my money where my mouth is.

Ben Dodge, Trial Lawyer and NITA Advocate

In my experience most lawyers are either afraid of the court room or not good at it and belong behind a desk or both.” -Ben Dodge Ben is one a very few lawyers trained in advance litigation skills through the National Institute of Trial Attorneys (NITA) and has earned the designation as a NITA Advocate.

The negotiation tactics and strategies of winning a case are extremely important, but should always take a back row seat to the litigation experience and knowledge of court room rules, local, state, and federal rules of civil procedure that can have significant impact on your case. It is wise to be represented by someone well versed in the law, civil procedures, local and state ordinances, rules, regulations, policies, and even the court room politics that always play out.

Ben Dodge always offers a complimentary in person consultation to all clients. For those who live out of state or are otherwise busy with work, etc. Ben will do a complimentary phone consultation as well. Typically the consultations are scheduled from 30-60 minutes depending on the severity of the case. You can expect to get answers to questions, clarity, information, and reassurance of your personal, family, or business issues. In your free consultation you can generally expect to discuss such topics as:

  • What your legal issue is really about.
  • Whether or not you have any chance of winning and how to make that possible.
  • Our unique and incredible fee structure making Dodge & Vega lawyers affordable for almost any budget.
  • Your specific case details, any pictures, police reports, or any other evidence you provide for his review.
  • The applicable local, state, and federal laws underlying your case.
  • Your rights, obligations, and any potential liability.
  • The process, procedure (in and out of court), and the time frame required to conclude your case.

You can call Arizona Lawyer Ben Dodge of Dodge & Vega, PLC at 1.480.656.8333. Mr. Dodge’s staff is standing and ready to accept your call 24 hours a day, 7 days a week, every single day of the year. Someone from our office will personally return your call within 24 hours to schedule an appointment with Mr. Dodge or one o his associate attorneys. There is never an obligation past a complimentary consultation with Mr. Dodge. His passion is in relentless representation and his entire office stands ready to serve with kindness, compassion, and patience. We strive to make a legal experience with our firm one of the most outstanding customer service experiences you will ever have and to do so without you having to go broke! Lawyers can be incredible and affordable. Let us show you how.

Dodge & Vega, PLC

Call Ben Dodge, your incredible Arizona Lawyer today at 1.480.656.8333.

Mr. Dodge can also be reached by email at [email protected]

His main Arizona offices are located at:

Mesa Arizona (home base office)
7227 E. Baseline Rd. STE 109,
Mesa, Arizona 85209

Phoenix Arizona office
2415 e. Camelback Rd., suite 700
Phoenix, Arizona 85016

Tucson Arizona office
One South Church Avenue, 12th Floor
Tucson, Arizona 85701

Mr. Dodge relentlessly represents clients in the entire state of Arizona including but not limited to Mesa, Phoenix, Tucson, Yuma, Gilbert, Peoria, Glendale, Scottsdale, Ahwatukee, Tempe, Chandler, Prescott, Sedona, Flagstaff, Surprise, Kingman, Page, Lake Havasu City, Payson, Goodyear, Buckeye, Queen Creek, Paradise Valley, Show Low, Winslow, Maricopa, Nogales, Globe, Avondale, Cave Creek, Fountain Hills, Apache Junction, Carefree, Wickenburg, Pinetop-Lakeside, Strawberry, Anthem, Safford, and more. Ben Dodge is an experienced Arizona Personal Injury lawyer, Arizona Family Law lawyer, Arizona Divorce lawyer, Arizona Bankruptcy lawyer, Arizona Child Custody lawyer, Arizona Estate Planning lawyer, and an Arizona Bicycle Accident lawyer. He can cover all areas of family law, personal injury, bankruptcy and estate planning for you.

Bankruptcy often enables people to discharge much of their debt once the process is completed. Both Chapter 7 and Chapter 13 allow for the cancellation of many remaining debts, although the processes used are different. Chapter 7 uses the liquidation of nonexempt assets to repay creditors, and once the filing is complete, the individual will be released from many of their debts with remaining balances. In
Chapter 13, the court works with the individual to a reorganize their debts into a repayment plan that will last three to five years. Through more affordable monthly payments, the individual repays their creditors, and once the time period of the plan is complete, they are able to discharge many of the balances that remain.

Many people file for bankruptcy because they want to be rid of their debts, but it is important to know that there are certain types of debt that cannot be discharged through bankruptcy. The debts that you cannot cancel through bankruptcy include:

  • Student loans
  • Child support
  • Alimony payments
  • Debts incurred through fraud or deceit
  • Most unpaid taxes
  • Payroll taxes
  • Sales taxes
  • Property taxes
  • Willful tax evasion or fraudulent tax return
  • Criminal fines
  • Restitution
  • Drunk driving injury claims
  • Fines or penalties owed to a governmental unit
  • Damages owed to a victim for causing willful injury to their person or property
  • Expensive or luxury charges incurred shortly before filing for bankruptcy
  • Debts incurred after the repayment plan was created

If the majority of the types of debts you are struggling to repay are included on this list, you may need to consider bankruptcy alternatives to address your debts. Before making any decisions, speak with a knowledgeable attorney who can determine your options and assist you in pursuing relief from debt. Our team at Dodge & Vega has helped countless people file for bankruptcy and pursue financial freedom all across Arizona, and we would be proud to guide you in the fight to regain control of your finances. Do not hesitate to call our firm to discuss your unique situation and possible options!

Parents will almost always admit that they love to spoil their children. Whether this be in the form of letting them attempt every sport or activity known to mankind in order to help them find their niche or spending hundreds of dollars on clothes and toys. Spending money, and a lot of it, is a way of like for the average American, and in many cases that habit doesn’t change even when the budget ought to be a little tighter. It is the beginning of August, and every parent knows what that means; back to school shopping. Every child’s favorite time of the year, it is almost like Christmas for them. The thoughts of a new backpack, pencils and pens, and then the new clothes on top of it, can be thrilling. The kids anticipate the moment when they will show all of their friends their new gear.

Unfortunately for parents who are in major debt, back to school shopping can be a nightmare, how do you tell your children that they can’t have as much as last year without going into all the details of your personal financial crisis. If a parent, or parents, really sit down and plan out their spending it is very possible to save money when back to school shopping. It may also be a good idea to sit down with your children and explain some of your situation, and that a lot of spending is not the best decision. For many parents, the thought of not buying their children something that they want is heartbreaking; parents would rather sacrifice their own new clothes in order to help make the children happier. Consider buying cheaper brands or thrifting for new clothes for this season of life, children don’t need to wear the latest fashion statement brands, as long as they are presentable.

Often, it is easy for parents to spend extravagantly on their children, especially in the department of expensive clothing. While it may cost much more than an average department store, it is cheaper than the adult versions of those clothes. Consider the options that are out there and make a budget and a plan for spending. Wise decisions when it comes to shopping is going to be helpful in the bankruptcy period of life. Bankruptcy isn’t going to keep you from living comfortably forever, it just requires some discipline and patience in order to free yourself and your family from financial debt. If you have any questions or concerns regarding bankruptcy, whether seeking to file for it or in the process,
contact Dodge & Vega today. We are an attorney’s office that specializes in the field of bankruptcy, and we want to help you get closer to freedom from your financial debt!1