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Be Prepared Before Filing Bankruptcy

No one ever wants to be put in a situation where they are drowning in debt. But it happens, and for most people, it takes a huge emotional toll. In fact, it ranks up there with divorce, death of a loved one and business failure. So, it’s essential that you carefully weigh your options and be prepared. Below are a few things you can do before you take any action:

  1. Organize your paperwork and Review your Finances: Make a list of all debts, from your mortgage to student loans to child support. It would also be helpful to get a copy of your credit report to check debts you may have forgotten. There are several websites that offer free credit reports every 12 months. For every debt, try to locate paperwork to verify the creditor and the amounts because you will need these if you decide to file bankruptcy.
  2. Look at Options to Reduce your Debt: Before you decide to file, try your best to pay off your debts. You may also want to talk with creditors about lowering interest rates or getting better terms. You may also need to take more drastic steps, such as finding different ways to supplement your income, removing unnecessary expenses, moving to a more affordable place, etc.
  3. Talk with a Financial Counselor: Many financial counselors can give you a different, unbiased perspective on your financial situation. They can also provide alternatives to bankruptcy and create a customized plan to get you out of the red. And they can give you encouragement and that extra kick in the right direction! There are many web-based companies that offer such services and can provide helpful information.
  4. Get professional help: If you’ve done everything you can and still can’t get your head above water, bankruptcy may be your best option. Filing is complicated and involves lots of paperwork and the potential for mistakes. So, it is essential to that you consult with a professional. Our bankruptcy team at Dodge & Vega, PLC, have years of experience and will walk you through the bankruptcy process to avoid potential mistakes and pitfalls. We strive to alleviate your stress during an overwhelming time.

Our lawyers at Dodge & Vega are absolutely the best.  Speak with them now over the phone or schedule an in person consult.

 

Written By:

Kaci Brown, Dodge & Vega PLC

 

 

Dodge & Vega PLC founded by Ben Dodge, attorney at law. Ben is an Affordable Arizona Bankruptcy Lawyer, 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 ben@dodgevegalaw.com

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.

Does the word “Bankruptcy” scare you to hear? If you answered “yes”, trust me you are not alone! When it comes to bankruptcy- it does not need to be a quick decision, however you should make the choice yourself before, before getting to the point of having the choice made for you. If you have lost track of how much you owe and to who, you have bill collectors calling you hassling you about money, and you are possibly only making minimum monthly payments (or no payments at all sometimes!) then you might want to give a bit more thought into possibly filing for bankruptcy.

The longer you put this process off, the longer it will take to get you out of that never-ending hole you feel you are falling down. Some might choose to go with a debt consolidator, however if you are having a hard time making any sorts of payments now, this might not be the best option for you.

Although “bankruptcy” is a scary word and thought, it can usually give you a fresh start. You will no longer be receiving those annoying debt collector calls. Bankruptcy gives you a true chance to rebuild your financial credit! You can always call us here at Dodge & Vega to schedule a NO COST consultation with one of our attorneys. We will go over your finances and let you know what your debt relief options are.  Sometimes bankruptcy is the answer and sometimes it is not. Knowing all of your options is the first step to making the right decision for you and your family.

If a bankruptcy is your best option we will make it as affordable for you as possible with low upfront costs and affordable payments plan options that you choose! Our up front costs start as low as $0 dollars down. Call our office today and see what your options are!

Our lawyers at Dodge & Vega are absolutely the best.  Speak with them now over the phone or schedule an in person consult.

 

Written By:

Angelica Wilson, Dodge & Vega PLC

 

 

 

Dodge & Vega PLC founded by Ben Dodge, attorney at law. Ben is an Affordable Arizona Bankruptcy Lawyer, 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 ben@dodgevegalaw.com

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.

One of the most common concerns of homeowners who are considering filing for bankruptcy is whether or not they will lose their home if they file for bankruptcy. In many cases, you will not have to give up your home simply because you have found yourself in financial trouble, and have chosen to file for either Chapter 7 or Chapter 13 bankruptcy. There are certain circumstances which could lead to your property being foreclosed upon as well as alternatives that could be helpful, such as a short sale. If you are current on your mortgage payments, and you wish to continue living in your home, our firm may be able to help avoid losing the property.

Arizona law permits the complete exemption of certain properties providing their value does not exceed the limits as laid out in the Arizona statutes. To gather a more complete understanding on Arizona bankruptcy exemptions, and to determine if your home and property qualify for exemption, we recommend you contact our firm to discuss your situation with an experienced Mesa bankruptcy lawyer. The lawyers at our firm have more than 35 years combined experience helping clients navigate through a range of different bankruptcy situations. We know that each situation is different, and that is why we work closely with our clients to determine the course of action that will best suit their needs, and allow them to regain control of their finances.

If you are struggling with debts and believe that you will not be able to repay your creditors, it may be time to consider bankruptcy. Through Chapter 7 or Chapter 13, you may be able to finally secure the financial freedom for which you have been searching. Bankruptcy can be confusing, but with the assistance of a caring and proven legal counselor, you can take back control from your creditors and achieve debt relief. Every situation is unique, so it is best to discuss your circumstances with an experienced bankruptcy lawyer before making any decisions. Bankruptcy may be the right choice if the following statements are true of your situation:

  • You are purchasing even basic necessities with credit cards
  • You are borrowing from friends and family just to pay your bills
  • You have to live paycheck to paycheck
  • You are constantly being harassed by your creditors
  • You have to dip into your retirement or savings accounts to make ends meet
  • Your financial problems are making your life stressful and overwhelming
  • You are always worried about your debts and inability to pay your bills

Do those statements describe your family’s financial troubles? If so, do not hesitate to speak to a skilled legal counselor as soon as possible. Although you can file for bankruptcy on your own, it is important to be fully informed before making any decisions, so that you are confident filing is the right choice for your family.

Chapter 7 vs. Chapter 13

After assessing your circumstances, if you believe bankruptcy is right for your family, the next step is determining which Chapter is best for your debt, with the help of a knowledgeable attorney. Chapter 7 uses the liquidation of nonexempt assets to repay creditors, and after the liquidation process is complete, the filer is released from the remaining balances of most of their unsecured debts. In
Chapter 13 bankruptcy, the filer works with their attorney and a court-appointed bankruptcy trustee to create a monthly repayment plan through which they will repay their creditors over a 3 to 5 year period.

There are a number of benefits to each Chapter, but there are also implications that must be considered carefully before making your choice. If you are interested in bankruptcy to help your family overcome debt and regain control of your financial future, our team would be proud to help. Our attorneys at Dodge & Vega, PLC have helped countless clients in Mesa and all over the state through the bankruptcy process, and we can assist you with exceptional legal counsel during this difficult time. To determine your available options and learn how bankruptcy could benefit your financial situation, please call our team at your earliest convenience!

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

Bankruptcy can send chills down anyone’s spine, that is, if you don’t properly understand what it actually means. In the event of a person or business being unable to pay off their debt, a person will often resort to bankruptcy as a means of salvation from their financial troubles. Unfortunately, there are also many
myths floating around about bankruptcy that will often keep people in need from actually going through with it. Bankruptcy may just be the best option for you, consider some of these myths to see if they have been keeping you from taking that next step towards riding yourself of debt.

One of the main concerns people have when weighing the option to file for bankruptcy is that once you file, your credit will be ruined forever. The important thing to understand if you are in this situation is that your credit is already in ruins! If you are in deep amounts of debt it is likely that you have already missed many payments on your credit cards, each time you miss a payment you credit score in negatively affected. A way to view your bad credit is that there is a lot to pay off, but with discipline it is possible. The other option is realizing it would be impossible to get out of this large debt, which means filing for bankruptcy is your best option. Individuals that think bankruptcy will disappear if they leave it alone or ignore it have it all wrong, the longer you wait to act the worse your credit score will be.

Another myth about bankruptcy is that only irresponsible people file for bankruptcy, and that is not the case! Experienced, hardworking individuals who held an honest job for thirty years can get laid off and be left to file for bankruptcy. By doing so doesn’t mean “loser” is stamped on your forehead, it just means that you have acknowledged you financial struggles and have chosen to take action, it is a step of humility, and a wise one at that. Unfortunately many struggling families assume that if they file for bankruptcy it will lead to a divorce because of the stress it will cause, this too is a myth.

While each family situation is unique, often times it is financial issues that lead to divorces; such as not paying your bills and acquiring debt. By filing for bankruptcy it is taking a proactive step to move forward. Bankruptcy is a step that is taken towards getting out of debt, and though it isn’t an overnight magic dust, it is effective; and may just save a marriage rather than break one. Commit as a family to work together in financial stress, and consider that while there are many horror stories about bankruptcy, it is important to seek truth and facts. Contact Dodge & Vega today for legal advice regarding your concerns about bankruptcy, it is the next step towards debt freedom!

In 2005 the bankruptcy law was revamped to its current form. Periodically, the rules that govern bankruptcy are reviewed and tweaked. On December 1, 2011, some of those tweaks took effect. In chapter 7 and chapter 13 cases, creditors will feel the greatest effect with the new changes.

Creditors filing proofs of claim in bankruptcy cases will not be required to file documentation to support the amounts they are claiming, as opposed to a simple summary. Creditors must include all charges that are included in the claim. Creditors who hold a security interest (like a mortgage) must disclose the amount of any default at the time of filing. Mortgage creditors must also attach documentation proving the security interest and an escrow statement if an escrow account exists on the property.

Mortgage creditors will also be required to file with the Court any changes in mortgage payments, regardless of the reason. They must also serve on a debtor an itemized statement of any post-petition charges, including late fees, NSF charges or attorney fees. Along with the new requirements for mortgage creditors, the trustee in a chapter 13 case must file a notice of the final cure payment being made to a mortgage lender. The mortgage lender then has 21 days to dispute that notice.

If you have any questions regarding these changes and how it may affect your bankruptcy case, please don’t hesitate to contact us. We always look forward to helping in any way we can.