Having debt of any kind looming over your head is one of the most unpleasant experiences possible. This can be compounded if the debt is such that it cannot easily be paid off. Working towards paying off one debt may lead to another, which can feel like a never-ending cycle from which there is no escape. It may feel like you will be dealing with debt forever and are simply waiting for someone to try to collect. However, the reality is that creditors have a limited time to collect debt. In Pennsylvania, the statute of limitations for a debt collection is four years from the first missed payment. After that time is up, a debt cannot begin to be enforced, no matter how large. However, unscrupulous debt collection companies may still try and collect the debt anyway. In those instances, you need to fight for your rights in court and make sure that these debt collectors leave you alone once and for all. For help with your debt-related needs, call our Pennsylvania debt attorneys from Young, Marr, Mallis & Associates at the number (215) 701-6519 for a free overview of your situation. What is the Statute of Limitations in Pennsylvania, and How Long Does it Last for Debt? Each state has a set of laws called statutes of limitations that put a time limit on how long claimants have to file a lawsuit. After the “statutory period,” the time period denoted in the statute, is up, the statute of limitations is said to have “run,” and the aggrieved party can no longer file a lawsuit or collect any damages. There are different statutory periods for different things. Personal injury claims, criminal claims, and more will all have their own statutory period. For debt collection, the statutory period in Pennsylvania is four years from when the debt is accrued under 13 Pa.C.S. § 2725. Technically, this is the statute of limitations for breaches of contract. However, most debt can be seen as a breach of contract. Debt usually refers to a failure to make a payment that has been structured in an agreement, like a mortgage or oral promise. Both of those things would be considered contracts. It is important to remember that the statutory period starts when the breach is made. Thus, the statutory period is extended each time you make a payment on the underlying agreement for the debt. Does the Statute of Limitations for Debt Prevent All Debt Collection Having a time limit on how long a creditor can bring a cause of action for debt may sound appealing. One conclusion at this point may be that it is beneficial to simply wait out debt for the statutory timer to run out, leaving the creditor high and dry without any payment. However, that would be a bad idea for the following reason. While the statute of limitations does prevent lawsuits to collect debt after a certain time period, it does not prevent other attempts at trying to collect debt. This means that it only prevents creditors from trying to collect debt in court. They can still resort to other means of trying to collect debt. Often, the means that creditors will try to employ at this point may toe the line of legality, so you should speak with our Philadelphia debt attorneys if you feel that your rights are being violated by debtors after the statutory period is up. Things Debtors May Try and Do After the Statute of Limitations Has Run in Pennsylvania Since debtors are not entirely barred from trying to collect debt after the statutory period has run, you may still experience trouble from them at that point if you still have debt. However, that does not mean you have to put up with it. Debt collectors sometimes use nefarious tactics to try and obtain payments, and some of those tactics may involve trying to trick you into thinking you are in trouble. Fortunately, our lawyers have compiled and explained some of the tactics debt collectors may use so that you are prepared to recognize them. Threatening to Sue When They Cannot Even though the statute of limitations for debt is four years, many debt collectors will bet on the fact that the majority of the population is unaware of this fact. Accordingly, debt collectors may try to intimidate you by threatening to sue, even if they no longer can. Do not fall for this trick. Threatening Criminal Prosecution Being in debt is not a crime. However, debtors will certainly treat it like it is. Again, they will be relying on the fact that people may not know that debt is not a crime. They may try to threaten debtors with criminal prosecution if they do not pay their debts. In extreme cases, they may even send a fake summons or similar official-looking legal document. This threat, of course, is empty and could be illegal depending on the debt collector’s specific conduct. Excessive Contact Attempts Sometimes, debt collectors will just try and wear you down. They may call, email, or otherwise contact you incessantly. If this conduct reaches an extreme degree, it may be illegal. For example, creditors cannot contact you during traditional work hours or late at night or show up at your house at strange hours. Note that although creditors can show up at your house, they must do it at reasonable times. So if they show up at 3:00 AM to collect, that would not be permitted. Call Our Pennsylvania Debt Lawyers Now Young, Marr, Mallis & Associates has Allentown, PA debt attorneys ready to take your calls at the number (215) 701-6519 to discuss your case.
When you have debt, creditors can sue you to make you repay them. Like many causes of legal action, there is a statute of limitations on debts, and creditors only have so much time to file a case against you. The deadline on your debts will depend on what state you live in. Some states might have longer statutes of limitation than others, and it is imperative that you find an attorney in your state who can help. If you want to dispute a debt with a creditor, be careful. Doing so could reset the clock on your debt, allowing the creditor more time to file a case against you. Speak with your lawyer; they can help you navigate the dispute process without restarting the clock. In some cases, it might be better to wait out the clock than initiate a dispute. If the deadline expires, creditors can no longer come after you for payment, and whatever dispute you might have had could be moot. If you have debts you wish to dispute, call our Pennsylvania bankruptcy lawyers for assistance at (215) 701-6519, and our legal team at Young, Marr, Mallis & Associates can arrange a free initial case review. What is the Statute of Limitation on a Debt? Your first question is probably about the deadline on your specific debts. This is a tough question to answer, as the statute of limitation might vary based on your situation. For example, in New Jersey, the statute of limitations on debt is 6 years. However, in Pennsylvania, the statute only allows creditors 4 years to take legal action to get payment. The deadline might also depend on the nature of the debt. Is your debt from something like unpaid credit cards, or is it related to a contract of some kind? These debts are very different, and creditors’ deadline to pursue legal action may differ. If you are facing any legal action from a creditor, talk to your lawyer about the debt in question and when the debt was incurred. There is a chance the deadline for creditors to take action is fast approaching. What Happens to the Statute of Limitations if I Dispute a Debt? The tricky thing about the statute of limitations on many kinds of debt is that the clock might be paused or even reversed under certain circumstances. If you attempt to contact creditors and dispute the debt, your actions could cause the clock to restart, thus allowing creditors more time to take legal action against you. For example, if you acknowledge that the debt in question is yours and that you owe this money to the creditor, the statute of limitations might reset. Remember, when a deadline on a debt resets, it resets for the entire balance, not just the portion you want to dispute. If you want to deny the debt outright and argue that you do not owe it or did not incur it in the first place, the clock might not restart. Even so, speaking with an attorney in your state about the situation is wise before you do anything. If you contact creditors before speaking to a lawyer, you risk restarting the deadline and allowing creditors more time to file a case against you. If they win their case, they can compel you to pay the debt or face legal consequences. Should I Dispute a Debt or Wait Out the Statute of Limitations? The thing about a statute of limitation is that it might work in your favor. If, for whatever reason, creditors have not taken any legal action against you by the time the statute expires, they no longer have a legal claim and cannot compel you to pay the debt. As such, you need to speak with your lawyer about the debt in question to determine how close the deadline is to passing. You might want to dispute a debt, but after speaking to our Philadelphia bankruptcy lawyers, you might learn that the statute of limitations is very close to expiring. In that case, talk to your lawyer about the risks of simply waiting out your creditor. If the deadline expires soon, our team can help you make sure the creditor stops coming after you about repayment. It is possible that the deadline has already expired on a debt that has recently come to your attention. Perhaps you shut off the power at your previous home or apartment only to find out the power company left it on by mistake, racking up a large, unpaid bill you did not know about. Next, suppose the power company never realized the debt was unpaid and failed to take legal action to compel payment. If the power company suddenly realizes its mistake, it might try to get you to pay even though it knows it legally cannot force you. Talk to your lawyer about all debts you wish to dispute. You never know what you might find out. How is the Statute of Limitations Restarted for a Debt? There are various ways that you might accidentally restart the statute of limitations on a debt when you try to dispute it. For example, if you want to dispute the debt but make a payment on it – perhaps as a show of good faith to the creditor – the statute will reset back to the beginning. If you do not believe you should be paying the debt, do not make any new payments until you speak with a lawyer. Working out a payment plan, accepting a settlement, or agreeing to pay any portion of the debt might restart the statute. Again, speak to a lawyer about any debts you want to dispute before considering repayment. Even acknowledging that the debt belongs to you might be enough to reset the clock. Finally, avoid adding new charges to the debt. For example, if the debt is in relation to unpaid credit cards, do not use those cards under any circumstances until you have spoken to a lawyer. Adding new charges and increasing the balance might restart the statute of limitations. Contact Our Bankruptcy Attorneys to Talk About Your Debts and How to Handle Them If you have debts you wish to dispute, call our Delaware County bankruptcy lawyers for assistance at (215) 701-6519, and our legal team at Young, Marr, Mallis & Associates can arrange a free initial case review.
Social Security payments could be cut over Student Loan DefaultFox Business has a story detailing how Social Security payments could be cut over student loan defaults. The story can be found at:https://www.foxbusiness.com/personal-finance/social-security-payments-garnished-student-loan-default?utm_source=pocket_mylistJim Shenwick, Esq 917 363 3391 [email protected] Please click the link to schedule a telephone call with me. https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!
What are the Biggest Financial Mistakes that People in Arizona Make? Financial security is important now more than ever, which increases the pressure to always make the right financial decisions. Our bankruptcy attorneys have seen every type of case walk through the door, but some themes ring common among our clients. Financial mistakes can take just a moment but follow you for the rest of your life. Thankfully, bankruptcy exists as a form of debt relief for many people who have made financial mistakes over the years. Read on to learn more about the most common financial mistakes that residents of Arizona make. If you’d like input on your financial situation and whether bankruptcy might be an option for you, our office offers free, convenient consultations by phone. To schedule yours today, click here or call 480-448-9800. Financial Mistakes That Can Lead to Bankruptcy The number one cause of bankruptcy in the United States is medical debt. While some medical procedures are elective, we don’t consider injuring a body part or developing a medical condition a financial mistake. We want to focus on active behaviors that people can, for the most part, control. Living Outside One’s Means Arizona hasn’t been immune from the current cost-of-living crisis. The price of just about everything has increased in the past few years at rates that seem faster than in previous years. Most residential rental leases require that a tenant earn at least three times the monthly rent. Back in the olden days, it was considered acceptable to have your rent or mortgage take up half of your monthly income. But with essentials like groceries and gas costing more than ever, it’s important to take a step back and examine what one’s true priorities are when creating a monthly budget. Perhaps you really do need space which translates to spending more on living expenses, but that might mean cutting back on going out to restaurants and on vacations. Maybe you love video games or exotic animals, or have some other relatively expensive hobby but are willing to live in a smaller home. Letting Credit Card Debt Get Out of Control It can be easy to spend far more than you mean to when you use credit cards. Swiping a card simply doesn’t have the same tangible feeling as spending cash or writing a check. And while using a credit card for your purchases can come with benefits like airline miles and cashback, it is only effective when done carefully. Credit cards usually have relatively high interest rates in comparison with other lines of credit. You can avoid interest by paying off your full balance each month, but if you have an emergency or are otherwise unable to pay off the full balance, the interest could amass and create a revolving balance that you struggle to pay off. Choosing the wrong vehicle It’s undeniable that shopping for a vehicle has become more difficult in the post-pandemic world. Buying a new vehicle is notoriously expensive, but buying a used vehicle comes with the uncertainty of the vehicle’s maintenance and accident history. A car buyer’s needs may change after the purchase- for example, they could get a new job that requires travel and would benefit from a car with better gas mileage. Or, they could welcome new family members and find it would be better to have a larger, more family-friendly vehicle. Getting in a traffic collision or needing significant maintenance and repairs could also make a vehicle a huge drain on a family’s budget. Failure to make loan payments could result in a swift repossession of the vehicle. Marrying The Wrong Person While romantic decisions might not seem like financial decisions, marriage ultimately is a contract. Divorce is among the top causes of bankruptcy in the United States. It is costly for several reasons. Splitting one household into two inevitably comes with additional expenses. One spouse may be ordered to pay the other alimony and/or child support. One spouse could also be ordered to pay a greater share of community property debt in property division. Divorce lawyers aren’t known for being cheap, either. It’s understandable that a recent divorcee could end up in debt that is hard to escape without legal help. Ignoring Impending Collection Efforts by Creditors There are many things your creditors can do if you fall behind on your monthly payments. This may start with phone calls and other forms of contact that border on harassment. Your creditor can file a lawsuit against you to obtain a judgment against you. That judgment could later be used to garnish your wages or drain your bank account. If you financed your vehicle, you likely only need to miss one payment before the lender can repossess your vehicle. Foreclosing a home takes longer and has more legal requirements, but is all the more devastating. It’s best to take action to fend off creditors as soon as you know there is an issue rather than procrastinate. Picking Chapter 7 or Chapter 13 Your specific circumstances will have a great impact on which chapter of bankruptcy you should file to erase financial mistakes, or if you should file in the first place. If you have additional questions about which type of bankruptcy best suits your needs after reading the following, schedule your free consultation with our bankruptcy team by clicking here or calling 480-448-9800. Income Qualification A debtor can qualify for Chapter 7 bankruptcy, chapter 13 bankruptcy, both, or neither. Clearly, qualifying for bankruptcy will be a crucial factor in any debtor’s decision to file. Income must fall below certain limitations for a debtor to qualify for Chapter 7 bankruptcy. The limitations can be strict, especially in a household with more than one earner. If the debtor earns more than the state median income for their family size, they will need to use the means test to qualify for Chapter 7 bankruptcy. On the other hand, the debtor may wish to qualify for Chapter 13 bankruptcy, which requires the debtor to have enough income to pay off debts. The debtor’s payment plan will last 3 years if they earn less than the state median income, and 5 years if they earn more than the state median income. Secured vs. Unsecured Debts Many debtors wish to qualify for Chapter 7 bankruptcy because it clears unsecured debts in a relatively short and simple process. However, it won’t do much to address secured and priority debts. If a debtor struggles with these types of debts, chapter 13 bankruptcy might be more appropriate. Chapter 13 debtors are protected from their creditors for 3 or 5 years while they pay off debts that can’t be discharged in Chapter 7 bankruptcy. Move Forward from Financial Mistakes with Bankruptcy Financial mistakes can be hard to move past, but they are an opportunity to learn and make better choices going forward. Plus, there is only so much that can be done about rising living costs in Arizona and the rest of the country. Our experienced bankruptcy lawyers can make the process simple so you experience as little stress from your case as possible. At My AZ Lawyers, we have convenient office locations for Arizona residents and offer consultations by phone. Don’t wait until it is too late to learn about your options and take action to protect against creditors. Take the first step towards financial relief with your free phone consultation. Most of our clients qualify to file using our affordable Zero Dollars Down filing program. Contact us to schedule your free appointment with one of our experienced Arizona bankruptcy professionals or call us at 480-448-9800. Arizona Offices: Mesa Location: 1731 West Baseline Rd., Suite #100 Mesa, AZ 85202 Office: (480) 448-9800 Email: [email protected] Website: https://myazlawyers.com/ Phoenix Location: 343 West Roosevelt, Suite #100 Phoenix, AZ 85003 Office: (602) 609-7000 Glendale Location: 20325 N 51st Avenue Suite #134, Building 5 Glendale, AZ 85308 Office: (602) 509-0955 Tucson Location: 2 East Congress St., Suite #900-6A Tucson, AZ 85701 Office: (520) 441-1450 Avondale Location: 12725 W. Indian School Rd., Ste E, #101 Avondale, AZ 85392 Office: (623) 469-6603 The post What are the Biggest Financial Mistakes that People in Arizona Make? appeared first on My AZ Lawyers.
Big News Network has a very helpful article on Bankruptcy, understanding the implications and process. The article can be found at https://www.bignewsnetwork.com/news/274017564/navigating-bankruptcy-understanding-the-process-and-implicationsClients with questions about Bankruptcy should contact Jim Shenwick, EsqJim Shenwick, Esq 917 363 3391 [email protected] Please click the link to schedule a telephone call with me. https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!
The New York Post is reporting that WeWork to file for bankruptcy after once being valued at $47B: report. The story can be found at https://nypost.com/2023/10/31/business/wework-to-file-for-bankruptcy-it-was-once-valued-at-47b/?utm_source=gmail&utm_campaign=android_nypJim Shenwick, Esq 917 363 3391 [email protected] Please click the link to schedule a telephone call with me. https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!
Post-Collapse: The Uncertain Lifespan of Cryptocurrency What happens to your crypto when you die? Or when your cryptocurrency goes bankrupt? Bitcoin, Etherium, Dogecoin, Litecoin, Monero, and other popular cryptocurrencies can’t be saved on your computer. And by its nature alone – not FDIC insured, high volatility, pseudonymous-esque transactions, legal uncertainty – you can’t keep crypto in a bank either. There are horror stories about people dying with loads of crypto assets on their devices and their survivors unable to find the key. For this reason, crypto exchanges have flourished. But in the 2022 collapse, household names in the crypto industry – Celsius Network, Voyager Digital, FTX, BlockFi – all filed for bankruptcy under Chapter 11. On top of these security risks, crypto owners now need to be hyper aware of crypto bankruptcies and how to navigate around them. What Happens If the Crypto Exchange Goes Bust? If you lost funds to a cryptocurrency when it declared bankruptcy, you may be eligible to file a customer claim. Crypto wallets protect your digital currencies. Coinbase, SafePal, Exodus, and Guarda are some “hot wallets” on the crypto market. If you have a wallet, then you can argue that the crypto exchange is simply holding what you own as a “custodian” and that the ownership remains yours. But if you don’t have a wallet, you may find yourself simply holding a claim. Here’s the interesting part. If you have a claim, that claim is calculated in the dollar value of what you have as of the date of the filing of the bankruptcy. So, any upside in the increase in value of the cryptocurrency after the filing of the bankruptcy case no longer belongs to you – any more than if your claim was for a gold bar. Your claim would not be for the gold bar but rather for the value of the gold bar as of the date of the filing of the bankruptcy case. Protect Your Digital Assets with a Cryptocurrency Lawyer Crypto investors are savvy and well-versed in all matters of cryptocurrency. However, bankruptcy is another story altogether. Some of the smartest lawyers in the country have been spending full time addressing the highly technical, unique, and brand-new issues that have arisen in these novel cryptocurrency bankruptcy cases. And as is frequently the case, the creditors, especially the individual creditors, are left blowing in the wind. Yes, there are creditors’ committees representing the interests of unsecured creditors. But you want to be sure that your own individual interests are being represented and protected as well. For the most part, your cryptocurrency has not been stolen, but it has been mishandled. Undoubtedly, this will end up costing you dearly. If you’ve invested in cryptocurrency and the crypto is held in an exchange in bankruptcy, hire an attorney who is versed in Chapter 11 bankruptcy and cryptocurrency to represent your interests and recover your losses. At Lakelaw, we represent you fearlessly and zealously. Contact us today to schedule a free confidential consultation. The post Crypto Bankruptcies: How to Protect Your Digital Assets When Exchanges Collapse appeared first on Lakelaw.
Business Insider has a very helpful article titled "How to file for bankruptcy ".The article can be found at https://www.businessinsider.com/personal-finance/how-to-file-for-bankruptcyPeople with questions about Jim Shenwick, Esq 917 363 3391 [email protected] Please click the link to schedule a telephone call with me. https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!
Everyone new to bankruptcy needs a guide to this specialized legal realm. Just as you can’t tell the players without a scorecard, it’s hard to make heads or tails of bankruptcy law when it’s new to you. Jon Hayes has what you need to tell priorities from the absolute priority rule. Exemptions from exclusions. Denial […] The post Getting Started In Bankruptcy Law appeared first on Bankruptcy Mastery.
How Do You Handle Student Loans When Filing For Chapter 13? Student Loan Debt & Bankruptcy: Strategies for Managing Financial Obligations It’s no secret that student loan debt is overwhelming for many of today’s adults. A common reason why individuals reach out to a Chapter 13 bankruptcy attorney is because they are wondering what options they might have to reduce, discharge, or otherwise eliminate their student loan debt. Unfortunately, getting your student loan debt discharged in bankruptcy is extremely difficult and rare, although it can be successful in some circumstances. However, filing for bankruptcy can still be an option that may help you better manage your student loan debt. Once credit card debt, medical debts, and other financial obligations are discharged into bankruptcy, individuals often have more flexibility to make payments on their student loans. Another approach is to file a Chapter 13 bankruptcy, which can give you some flexibility on the interest rates on your student loan debt. Once your other debts have been discharged, you may be able to make the remaining payments on your student loans without financial hardship. Consult with your bankruptcy attorney to discuss your options for using bankruptcy to manage student loan debt. Why are Student Loans Difficult to Wipe Out in Bankruptcy? Typically, debtors can have unsecured debts discharged through the bankruptcy process. This generally includes credit card debt, medical bills, and personal loans. Student loans are treated differently because they are an investment in your knowledge and skills with no tangible asset to reclaim. This means they cannot be automatically discharged in a Chapter 7 or Chapter 13 bankruptcy proceeding. In order to discharge your student loans, you’ll need to work with a zero-down bankruptcy attorney to file a separate lawsuit which is called an adversary proceeding. You and your bankruptcy attorney will need to prove to the court that paying your student loans will cause an “undue hardship” and that your circumstances are unlikely to change. Exactly how you can demonstrate that hardship will differ between states, but it is always a challenging obstacle, and not many individuals are able to meet the necessary criteria. How Can I Use Chapter 13 Bankruptcy to Manage Student Loan Payments? Even if you, like most people, cannot have your student loans discharged through bankruptcy, filing a Chapter 13 bankruptcy can still be a useful way to manage your payments. With this type of bankruptcy, your debts are essentially restructured and you’ll be able to keep all of your property and assets. You’ll make monthly payments that are based on your income to your bankruptcy trustee for 3-5 years. With this plan, car payments, student loans, and other debts will be included in your payment plan, even if they are not ultimately dischargeable. At the end of the payment period, your remaining debts that are eligible for discharge will be eliminated. How are Student Loans Handled in a Chapter 13 Bankruptcy? During your Chapter 13 bankruptcy pay period, you will make payments to your bankruptcy trustee, who will send a portion of your payments to your student loan lender(s). This money may reduce the principal or only cover interest, depending on the terms of your loan. Interest will continue to accrue on the balance of your student loan debt while you are in the Chapter 13 bankruptcy repayment period. Once you’ve finished making your monthly payments over your determined 3-5-year period, your bankruptcy trustee will discharge the remaining eligible debts, even if you have not paid them in full through your repayment plan. Although your student loan debt will not be discharged, your lender will recalculate your payments based on the new loan balance and help you set up a new payment schedule. Without the weight of your other debts, it’s likely that you’ll be in a better situation to afford your student loan payments. What Other Options Do I Have for Managing Student Loan Debt While in Bankruptcy? Just because you are going through a Chapter 13 bankruptcy doesn’t mean that other options become unavailable. Assistance: You can apply for student loan assistance programs even while you are in a Chapter 13 bankruptcy. Reconsolidation: You may be able to seek a debt consolidation program that can lower your overall interest rate. Modify Chapter 13 plan: Consult with your Chapter 13 bankruptcy attorney to determine whether it may be a good idea to modify your Chapter 13 payment structure. Once you’ve reconsolidated your student loans, it may be better to remove them from your bankruptcy plan. Dismiss your Chapter 13 case: A new student loan payment plan may mean that you don’t need a Chapter 13 bankruptcy at all, which can be beneficial to you in the long run. Your bankruptcy attorney can review the implications of dismissing your Chapter 13 case. Transfer to a Chapter 7 bankruptcy: If a student loan debt reconsolidation program means you can afford your student loan payments, transferring to a Chapter 7 bankruptcy might be a better option in some cases. Although filing for bankruptcy isn’t the right choice for everyone and it’s extremely rare for student loan debt to be discharged, it can be an effective way to make your student loan payments more manageable. Consult with My AZ Lawyers to discuss your financial options and whether filing for a Chapter 13 bankruptcy might be right for you, contact us today. This article is provided courtesy of Blake Goodman, P.C., an experienced bankruptcy attorney who has been providing financial solutions to clients in Hawaii and other U.S. states for three decades. Arizona Offices: Mesa Location: 1731 West Baseline Rd., Suite #100 Mesa, AZ 85202 Office: (480) 448-9800 Email: [email protected] Website: https://myazlawyers.com/ Phoenix Location: 343 West Roosevelt, Suite #100 Phoenix, AZ 85003 Office: (602) 609-7000 Glendale Location: 20325 N 51st Avenue Suite #134, Building 5 Glendale, AZ 85308 Office: (602) 509-0955 Tucson Location: 2 East Congress St., Suite #900-6A Tucson, AZ 85701 Office: (520) 441-1450 Avondale Location: 12725 W. Indian School Rd., Ste E, #101 Avondale, AZ 85392 Office: (623) 469-6603 The post How Do You Handle Student Loans When Filing For Chapter 13? appeared first on My AZ Lawyers.