Top 10 Reasons to Stop Feeling Bad About Bankruptcy

Author: Steve Engram

After helping so many people through the Arizona bankruptcy process for more than 15 years, the Arizona bankruptcy attorneys of Arizona Bankruptcy Now have seen firsthand the remorse and guilt experienced by debtors. Whether you're facing an Arizona foreclosure on your home, swamped in credit card debt, drowning in medical bills, or a combination of all three, here are the top 10 reasons to stop feeling bad about bankruptcy.

1. You do not lose everything just because you file bankruptcy. An experienced Arizona bankruptcy lawyer can help make sure you keep your house protected from bank foreclosure, as well as your vehicle and other possessions.

2. If you're considering bankruptcy, the reason was probably beyond your control. Most people who file do so because of medical expenses not covered by insurance, job loss and divorce. You don't "deserve" this situation, so stop beating yourself up.

3. You're not alone. Here in Arizona, bankruptcy filings are higher than the national average, including those who would otherwise lose their homes to bank foreclosure.

4. Say goodbye to the anxiety and stress from collection phone calls and letters, as your creditors are prohibited from contacting you after a bankruptcy filing.

5. Many bankruptcy cases take just a few months, after which you can start rebuilding your credit right away.

6. You need not feel pressured to "do the right thing" by repaying your debt through Consumer Credit Counseling. Yes, they're non-profit organizations, but they're funded by credit card companies. That's why their repayment plans so often fail ? they're set up by counselors who care more about getting creditors their money than helping you.

7. Repaying your debt through a Consumer Credit Counseling plan does not look better than bankruptcy on your credit report. Not only are all of your credit accounts closed through a Consumer Credit Counseling plan, but it also stays on your credit report for seven years, and is a bigger red flag to creditors than bankruptcy.

8. You need not be intimidated by the bankruptcy process. As long as you have an experienced attorney who understands the law, the process should be relatively simple and straightforward.

9. Bankruptcy law exists for a reason ? to give you a fresh start. If your debt far exceeds your ability to pay it within a reasonable amount of time, bankruptcy is your legal right to seek relief and take back your life.

10. The longer you put off the inevitable, the longer you have to wait for relief. If you

know you will not be able to pay off your debt as it stands now, do yourself a favor and explore your bankruptcy options with a knowledgeable bankruptcy lawyer today.

About the Author:

Attorney Kirk Guinn advises and assists individuals and families statewide in Arizona with legal questions and concerns relating only to bankruptcy and real estate. He answers all questions and knowledgeably explains the tough questions that exist about bankruptcy and the new laws associated with it.

Article Source: ArticlesBase.com - Top 10 Reasons to Stop Feeling Bad About Bankruptcy

Getting to Know a Divorce Attorney in Scottsdale

Author: Andy West

Most people don't have a divorce attorney on retainer. When one is needed, recommendations from friends, co-workers or family members are valuable resources to gather information and find a person you are comfortable enough with to use. Your divorce attorney in Scottsdale will become the pivotal person in your life so your compatibility is essential. Since you will have to share details about your life that you may find painful, finding someone you communicate well with and have an easy rapport with can save you from the discomfort. Not only is your potential attorney's reputation a consideration, their fee schedule and services available through their office need to be reviewed during the selection process. You may find that they can refer a variety of services to you including counseling and financial services.



When you are married, your spouse is your go-to person. Sharing the ups and downs of life, your spouse knew your personality, could read the lines on your face and knew all of your stories. From two people who were full of love and commitment to two people who cannot agree on a birthday present for their children together, divorce is a painful reminder of the failure of sustainable love. The camaraderie couples feel when they get married often disappears as the marriage moves forward. The familiarity of your spouse's likes and dislikes, activities you enjoyed together and a shared history become hurtful memories as you dissect a marriage built over time. As you begin to leave the past behind, the time comes to begin looking towards the future. Part of that process is to begin making decisions best for you and your children, if applicable.



As a marriage begins to crumble, decisions once made together need to be made individually and often, the decisions made by divorcing parties are completely opposite to the other partner's wishes. The person who once was a part of every hope and every dream becomes the person whose name you most dread. Your partner becomes your nemesis. As your dissolution progresses, the support and guidance received from your attorney is a vital part of the new person you become. They help shape your post divorce life and they become a confidant as you begin picking up the pieces of your life.



In the suburbs of Scottsdale, Arizona, with a wide selection of reputable attorney's, looking for personality fit may be a comfort as you grapple with issues of housing, retirement, benefits, children, schooling and other topics that plague these types of hearings. Whether you have a fairly harmonious split to a cantankerous one, having someone working for you that you trust and feel at ease talking to will help you navigate through one of the most difficult experiences of your life. Your attorney becomes a friend and confidant as you encounter new and often unexpected results of the proceedings. Don't you think it'd be wise to do your research before choosing a professional to handle such decisions?



The divorce lawyer you select will become a counselor for some very important decisions. Will you negotiate on retirement benefits? Who will keep the house? What percentage of assets does each partner get? How do you handle telling friends and family about the divorce? If kids are involved, how do you tell the kids? How will the custody arrangements be handled? Not only will your divorce attorney in Scottsdale become your financial advisor, he or she will become an emotional counselor as well. Having a lawyer who will take care of your legal rights as well as keeping your financial and emotional well-being in check will ensure your future success.

About the Author:
Andy west is a writer for Out of Court Solutions, specializing in quick and easy divorce resolution. Contact their divorce attorney Scottsdale branches while you still can. For more information please visit Outofcourtsolutions.com.

Article Source: ArticlesBase.com - Getting to Know a Divorce Attorney in Scottsdale

Divorce and Estate Appraisals

Divorce Appraisals

Attorneys and Accountants rely on our values when calculating real property values for estates, divorces, or other disputes requiring a value being placed on real property. We understand their needs and are used to dealing with all parties involved. We provide appraisal reports that meet the requirements of the courts and various agencies.

As an attorney handling a divorce, your needs oftentimes include an appraisal to establish fair market value for the residential real estate involved. Often the divorce date differs from the date you order the appraisal. We are familiar with the procedures and requirements necessary to perform a retroactive appraisal with an effective date and Fair Market Value estimate matching the date of divorce. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Finalizing a divorce involves many decisions, including "Who gets the house"? There are generally two options regarding the house - it can be sold and the proceeds divided, or one party can "buy out" the other. In either case, one or both parties should order an appraisal of the residence. Divorce appraisals require a well supported, professional appraisal that is defensible in court. When you order an appraisal from us, you are assured that you will get the best in professional service, courtesy, and the highest quality appraisal. We also know how to handle the sensitive needs of a divorce situation.

We can be reached at appraisal@risingresidential.com or 602-672-0394.