Phoenix Legal Resource Blog
Can I Legally Remove Negative Information from My Credit Report in Phoenix?
Your credit report has a big influence on your life. It affects your ability to get approved for loans, qualify for rental housing, or find a new job. According to the Fair Credit Reporting Act, you have the right to have inaccurate and outdated information removed from your credit report.
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Court Order Eliminates “Zero Down” Bankruptcy Fee Agreements in Arizona: What This Means for You
If you’ve been considering bankruptcy as a way to reset your financial future, you may have come across law firms offering “$0 down” Chapter 7 filings or flexible low-down payment options. These types of agreements were common in Arizona, but due to a recent court decision, they are no longer available.
Update January 15th, 2026:
Notice to all Hilltop Law Firm clients: In accordance with an order signed on January 13th, 2026 by the Honorable Edward P. Ballinger, Jr., Chief Judge of the United States Bankruptcy Court District of Arizona, General Order 25-2 has been delayed.
Can I Keep My Small Business if I File for Chapter 7 or Chapter 13 Bankruptcy in Arizona?
If you’re a sole proprietor or you own an LLC, you might be able to keep your business when you file for Chapter 7 or Chapter 13 bankruptcy. But there are complicated factors that must be considered, including your business structure, the chapter of bankruptcy you file under, and the value of your business assets.
6 Smart Reasons to File for Bankruptcy at the Start of the Year in Phoenix
Filing bankruptcy early in the year can offer strategic legal and financial benefits that many people don’t consider. While bankruptcy is never an easy decision, the timing of your filing can significantly impact your financial recovery and reduce the amount of stress you experience during the process. If you’re considering a fresh financial start, January or February might be the best time to take action.
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Watch Out for Credit Card Notices During the Holiday Season in Phoenix
The holidays should be a time for celebration; not court appearances. Yet for many Phoenix residents, the end of the year brings unexpected legal trouble. Between October and December there is a seasonal spike in credit card lawsuits filed by creditors and debt collection firms.
These lawsuits are deliberately timed. Debt collectors know the holiday season is distracting, and they count on consumers being too busy or overwhelmed to respond in time. If you’re served court papers and fail to act within the legal timeframe, the court may enter a default judgment. This allows the creditor to garnish wages, seize funds, or damage your credit for years to come.
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Can People Avoid Paying Taxes on a Debt Settlement in Phoenix?
When you settle a debt for less than what you owe, it feels like a financial victory—and often, it is. But what many people in Phoenix don’t realize is that settled debt can trigger a tax bill.
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Can Someone Pay Off a Chapter 13 Bankruptcy Early in Phoenix?
If you’re currently in a Chapter 13 bankruptcy repayment plan and you’re experiencing improved finances, you may be wondering if you can pay off your Chapter 13 bankruptcy early in Phoenix.
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How to Negotiate Credit Card Debt Settlement Yourself in Phoenix
If you’re feeling overwhelmed by credit card debt in Phoenix, you’re not alone. High interest rates, unexpected expenses, or job loss can make even minimum payments hard to manage.
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How Does Chapter 13 Bankruptcy Affect Your Credit in Phoenix?
For many Phoenix residents, Chapter 13 bankruptcy offers a much-needed path to regain control over overwhelming debt. But a common concern remains: Will my credit be permanently ruined? The answer is no.
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What Happens to Your Car in a Chapter 7 Bankruptcy in Phoenix?
If you’re considering Chapter 7 bankruptcy, one of the biggest questions on your mind is likely: “Will I lose my car?” That’s a completely valid concern, especially in Phoenix, where public transportation isn’t exactly known for its convenience.
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