Written by Canterbury Law Group

Chapter 13 Bankruptcy Cost 2021

Chapter 13 Bankruptcy Cost 2021

If you’re attempting to get out from under a mountain of debt, you’re undoubtedly thinking if Chapter 7 or Chapter 13 bankruptcy can help. Your next queries are likely to be how much Chapter 13 will cost and whether it will work for you once you’ve decided it’s the best option for your financial position. We polled readers throughout the country about their recent bankruptcy experiences in order to acquire some real-life answers to these issues. What we gathered from people who filed for Chapter 13 is as follows.

What Are the Fees for Chapter 13 Lawyers?

The law of bankruptcy is complicated and perplexing. Cases involving Chapter 13 can be very complicated, and mistakes might lead to major financial troubles down the road. So it’s no surprise that almost all of our readers (97%) hired a lawyer to assist them with the Chapter 13 bankruptcy procedure. Their legal fees often ranged between $2,500 and $5,000. However, the majority of readers (63 percent) paid $3,000 or less. Nonetheless, the average cost of $3,000 was more than double what other readers spent their lawyers to handle Chapter 7 bankruptcy cases. Because Chapter 13 cases take longer and need more labor, attorneys charge more for them. However, Chapter 13 has a benefit in terms of how attorneys’ fees are normally calculated: While the great majority of bankruptcy lawyers charge a flat fee for their basic services, they usually only require a down payment before filing the Chapter 13 bankruptcy petition. (You’ll also have to pay the filing cost, which is $313 as of December 2020.) The remainder of the attorney’s fee is then included in your Chapter 13 monthly payments, which means it comes out of the money that would otherwise go to your creditors.

When a Chapter 13 Lawyer Might Cost You More or Less

The fees charged by bankruptcy lawyers are determined by numerous factors, including their level of experience and location of practice. Attorneys’ fees, like other expenses, tend to be higher in large urban centers on the coasts. However, in Chapter 13 bankruptcy situations, there is another crucial issue to consider: The amount you pay your attorney must be approved by the court. Many courts set fee standards that they will automatically consider reasonable in order to make the approval process easier (known as “presumptive” or “no look” fees). The rules may also include a list of fundamental services that should be covered, as well as additional costs for business cases and additional services that may be required (such as filing plan modifications or motions). These assumed costs differ from one state to the next, as well as between districts within bigger ones. In a few populated states, examples of the range of presumed costs for essential services include:

  • $3,300 to $5,000 in California
  • $3,000 to $3,825 in Texas
  • $3,500 to $4,500 in Florida
  • $2,600 to $3,650 in Michigan
  • $4,000 to $5,100 in Virginia

Our findings backed up the conventional assumption that most lawyers will charge that amount or less for basic services in regions where the courts have set guidelines. However, if your case necessitates additional labor, such as when:

  • You own a firm as a solo owner.
  • Your home is worth less than what you owe, and you want to get rid of your mortgage obligation (or “discharge” it).
  • you wish to get rid of your college loans, or
  • When you declare for bankruptcy, you become a defendant in a lawsuit.

Source: https://www.nolo.com/legal-encyclopedia/chapter-13-bankruptcy-what-will-it-cost-and-will-it-work.html

Written by Canterbury Law Group

How to Divorce Without Going to Court

How to Divorce Without Going to Court

Learn about the techniques that can assist you avoid having to appear in court throughout your divorce.

Divorce Alternatives to the Traditional Process

Let’s start with a disclaimer: while some states enable you to acquire a divorce ruling without ever entering a courtroom, others require you to appear in front of a judge. However, if you can settle your disputes ahead of time, your court appearance will only take a few minutes, rather than the hours or even days that a contested divorce trial will take. You and your spouse can try to resolve your differences on your own, or you can use one of the Alternative Dispute Resolution techniques (ADR).

Solving Problems by Yourself

If you and your husband are on friendly terms, you might list your marital concerns and try to come to an agreement on each one. It’s a good idea to do some preliminary research on the topics you’ll be discussing so you don’t forget anything. Divorce concerns typically include any or all of the following:

  • partition of assets and debts
  • spousal support or alimony
  • child custody, as well as
  • support for children

You should have a divorce lawyer formalize your settlement by producing a Property Settlement Agreement once you’ve reached an agreement on all of your divorce-related concerns (also known as a Marital Settlement Agreement). In addition to the terms you’ve agreed to, this will usually include significant legal clauses. Keep in mind, however, that you and your spouse cannot employ the same lawyer; you should both have your own counsel evaluate the contract on your behalf.

Choosing a Mediator for Your Divorce

Mediation is a prominent ADR technique. Mediators are qualified professionals who assist spouses in resolving their conflicts (usually lawyers or child custody experts). The couple will prepare material and documents (such as tax records) ahead of time and meet with the mediator as many times as required to reach an agreement. The idea is to limit the parameters of the settlement to a written agreement.

Mediation is usually less stressful than going through a contested divorce. Sessions are usually held in the mediator’s office and are relatively informal. Although the couple can have attorneys present, it is not needed, which adds to the mediation’s cost-effectiveness. (Having attorneys there can actually be unhelpful at times, especially if the attorney is confrontational.) You will have to pay the mediator, although this is normally split between the parties.

Divorce Through Collaboration

Another type of ADR is collaborative divorce. The purpose is similar to mediation in that it is to establish an agreement, but it is structured differently.

A mediator or other third party is not involved in a collaborative divorce. Rather, each couple has an attorney and participates in “four-way” meetings in order to establish an agreement. Collaborative law attorneys often have specialized training in this area. In order to keep them focused on the settlement, most—if not all—states prohibit them from representing the spouses in future court cases if the negotiations fail.

Collaborative law is based on the concept of working as a “team.” To establish an agreement, all players are required to work together. Any professionals involved in the process (such as accountants, property appraisers, and child psychologists if there is a custody dispute) must be impartial and accepted by both parties.

If you’d rather have an attorney represent you throughout the settlement process, you’re more likely to choose collaborative divorce over mediation. But keep in mind that if you can’t come to an agreement, you’ll have to start the entire divorce procedure over with new lawyers. This could result in a huge increase in costs, as these new lawyers will have to learn the case from the ground up.

Arbitration in Divorce

Divorce arbitration is another weapon in the ADR toolbox, and it’s frequently used by couples who don’t think they’ll be able to settle their disagreement but want someone to make a decision outside of the traditional court system. Unlike mediation and collaborative divorce, arbitration’s purpose is for the arbitrator to decide the case and give a ruling, similar to what a court would do after a trial. (Divorce arbitration may not be available in all states; consult a local attorney to see if it is used in your area.)

The advantages of arbitration versus a court trial are numerous. The arbiter is chosen by you and your spouse. You cannot choose your judge in court. You can also choose to relax the standard rules of proof. For example, rather of having a witness attend in person, you can agree to accept the presentation of a witness’s sworn written statement. You’ll also collaborate to define the dates, times, and length of your arbitration sessions. That’s a luxury you won’t find in court, where disputed divorces can drag on for over a year and you can waste hours each time you go waiting for a judge to show up.

The most significant disadvantage of arbitration is that the judgement is final and binding. You usually can’t appeal unless the arbitrator is acting improperly. With a court trial, it’s nearly a given that you’ll be able to appeal. You’ll also have to pay the arbiter in addition to your lawyers. This can be costly, especially in complex circumstances.

Is it necessary for you to appear in court?

You must submit a divorce petition or complaint with the court to formally end the marriage, even if your case has been settled. The divorce is usually based on no-fault grounds (reasons), such as “irreconcilable disagreements,” by whichever partner files the case. You must submit the relevant papers and forms in states that do not require a court presence. These are frequently seen on the court’s website. A judge will approve the settlement and issue a final divorce judgment if everything is in order.

If your state needs a court appearance, you’ll notify the court clerk that your divorce case has been resolved once you’ve completed the initial divorce filing process. The case will be marked “uncontested,” and you will be given an expedited court date. In most cases, you’ll appear in front of a judge for around fifteen minutes, verifying the grounds for the divorce and answering basic questions about the settlement agreement. Again, the court’s website is likely to provide useful procedural information.

Regardless of which path you choose for your divorce, you should seek the advice of an expert family law attorney who can assist you throughout the process.

Need a Divorce Lawyer in Scottsdale or Phoenix?

As proven legal counsel in family court, we have a network of Arizona attorneys, expert witnesses, mediators, tax specialists, estate planners, financial planners, child specialists, real property appraisers, adult and child therapists and parenting coordinators who are here for you if you ever need them. Our lawyersdivorce mediators and collaborative divorce attorneys in Scottsdale are here to make your divorce less stressful and keep you in control and the costs contained. Call today for an initial consultation at 480-744-7711 or [email protected]. Our family lawyers can also help with divorce litigation, child custodylegal guardianshippaternityprenuptial agreements, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

Right To Counsel

The right to an attorney for a criminal defendant is guaranteed under the United States Constitution’s Sixth Amendment, which mandates “aid of counsel” for the accused “in all criminal proceedings.” This indicates that a defendant has the right to be represented by an attorney during his or her trial under the law. It also means that if the defendant cannot afford an attorney, the government will nearly always appoint one for him or her at no cost to the criminal (this began in 1963 when the Supreme Court ruled in favor of an indigent defendant facing the possibility of incarceration).

While the right to counsel is covered below in the context of a criminal trial, a suspect has the right to counsel at practically every stage of the criminal process, often from arrest to the first appeal following conviction. Criminal suspects, for example, have the right to an attorney and the right to remain silent when being interviewed by authorities.

Learn more about the constitutional right to counsel, including when it applies and the requirements that criminal lawyers must meet, in the sections below.

In a criminal case, how does an attorney assist a defendant?

The role of the defense counsel is critical in practically every criminal case, especially those involving the risk of incarceration, because it’s difficult to set a price on one’s freedom. While an attorney’s particular responsibilities vary based on the nature of the allegations and the case, any criminal defense lawyer should be aware of the following:

advising the defendant of his or her rights and describing what to expect at various stages of the criminal process;

  • Assuring that the defendant’s constitutional rights are not infringed upon by law enforcement or the court system; and
  • On behalf of the defendant, negotiating a plea deal with the government.
  • In addition to analyzing facts and evidence, a criminal defense attorney must also cross-examine government witnesses, object to incorrect questions and evidence, and provide any applicable legal defenses.

What are the expectations of a criminal defense lawyer?

The Sixth Amendment right to counsel has been interpreted by courts to provide criminal defendants “effective aid of counsel,” regardless of whether the attorney is retained by the defendant or appointed by the government. It’s crucial to remember that an attorney’s poor strategy decisions (and even major professional errors, in some cases) rarely result in a conviction being overturned. A conviction may be overturned if it is obvious that the attorney’s ineptitude influenced the case’s outcome.

This is especially problematic for people who are represented by public defenders, who are often very talented and dedicated, but who also have a lot of cases to handle and little resources (including the time needed to properly prepare a case). This incentivizes public defenders to seek plea bargains rather than pursuing each case to trial. Nonetheless, appointed lawyers must meet the same professional requirements as high-priced lawyers.

Find out more about your right to legal representation from an attorney.

Custodial interrogation triggers your right to counsel, while the term “custody” has multiple meanings depending on the circumstances. If you’re being investigated for a crime or have already been charged with one, it’s in your best interests to speak with an experienced criminal defense lawyer.

Need A Criminal Defense Lawyer In Scottsdale or Phoenix?

Canterbury Law Group’s criminal defense lawyers in Phoenix and Scottsdale will defend your case with personal attention and always have you and your best interests in mind when offering legal solutions. Call today for an initial consultation! We handle criminal defense cases in all areas of Phoenix including Mesa, Tempe, Chandler, Maryville, Apache Junction, and more.

We are experienced criminal defense attorneys and will fight for you to obtain the best possible outcome. Our firm will rigorously represent you, so you can get on with your life. Call today for an initial consultation! 480-744-7711 or [email protected]

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

How To Divorce Your Wife And Keep Everything
Written by Canterbury Law Group

Top 10 Questions to Ask a Divorce Lawyer

Top 10 Questions to Ask aDivorce Lawyer

If you’re going through a divorce and need an attorney, keep in mind that you don’t have to select the first one you come across. One of the most essential divorce-related decisions you’ll make is selecting the best lawyer to represent you.

Even if a friend or another lawyer has recommended a family law attorney, you should still do your research; examine the attorney’s credentials and make sure he or she has the expertise to handle your case.

There are many lawyers, and many of them advertise themselves as “family law” or “divorce” attorneys. Family law, on the other hand, is a specialization involving complicated legal principles that take time and experience to grasp. There are even more subspecialties within the field of family law, like child custody law, international custody law, guardianship, and a branch of the law regarding Qualified Domestic Relations Orders (QDROs), which are special orders that must be used to distribute certain types of retirement benefits.

Divorce also has a number of financial implications, including:

  • standards for financial disclosure between spouses
  • Before and during the divorce, restraining orders ban spouses from changing beneficiary designations or transferring assets.
  • alimony is a phrase that refers to a (how to calculate income available for alimony and the special factors courts consider when determining setting payments)
  • support for children (how to calculate child support in your state)
  • Property and assets, such as real estate, collectibles, venture capital interests, stock option portfolios, goodwill, or other company interests, are divided, and
  • the distribution of pension benefits

There is a large body of law that applies to these concerns (which varies from state to state). The government and/or the courts constantly alter or overturn these laws, so you’ll need to choose an attorney who is knowledgeable with the latest regulations and cases that pertain to your divorce.

You might feel comfortable selecting a less experienced family law attorney if you have a basic case with few financial difficulties and no children. If you’re going through a disputed divorce with significant assets, extensive financial concerns, or a complex custody fight, you should choose a family law attorney that specializes in family law and has experience with the issues you’re dealing with. See our article, Hiring a Divorce Lawyer, for advice on how to hire a divorce lawyer to handle part or all of your divorce case.

Ten Things to Ask a Divorce Lawyer

We’ve put up a list of questions you might want to ask a family law attorney during your initial consultation. These may assist you in determining whether or not this lawyer is appropriate for your case.

1. Do you specialize in divorces or do you handle them as part of your general practice? How long have you been working in the field of family law? How many cases have you handled involving family law? Is it true that you’re a “qualified family law specialist”?

2. What is your plan for dealing with my case? How long will it take for my case to be resolved?

3. How long does it take you to respond calls? In the event of an emergency, how can I contact you? What do you consider an emergency situation?

4. Will you be working on my case with anyone else in your office? What kind of background do they have? Is it possible for me to meet them?

5. What method will you use to bill me? How much do you charge per hour? Do you bill for the time I spend interacting with other lawyers, paralegals, and/or secretaries? If so, what is the rate of increase? What is the amount of your retainer up front?

6. What other costs (besides your own) do you plan to incur (for example, for private investigators, forensic accountants, physicians, and/or psychiatrists), and how will you bill me for them?

7. What do you think the total cost of this divorce will be? (Don’t be surprised if most divorce attorneys refuse to answer this question because the cost of the divorce is heavily influenced by the level of contention in your case.) The way attorneys respond to this question, on the other hand, may assist you assess them. An honest attorney will frequently respond that estimating fees in advance is tough. If an attorney offers you a very low fee, it’s possible that they’re just attempting to gain your business).

8. Do you allow me to bargain with my spouse directly? How can I keep my divorce costs down? Is there anything I can do on my own to reduce the amount you’ll charge me?

9. How do you think a judge would rule in my case, based on what you know about it?

10. What can you do to assist me in better understanding the tax implications of the decisions I’ll need to make?

Need a Divorce Lawyer in Scottsdale or Phoenix?

As proven legal counsel in family court, we have a network of Arizona attorneys, expert witnesses, mediators, tax specialists, estate planners, financial planners, child specialists, real property appraisers, adult and child therapists and parenting coordinators who are here for you if you ever need them. Our lawyersdivorce mediators and collaborative divorce attorneys in Scottsdale are here to make your divorce less stressful and keep you in control and the costs contained. Call today for an initial consultation at 480-744-7711 or [email protected]. Our family lawyers can also help with divorce litigation, child custodylegal guardianshippaternityprenuptial agreements, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

What Is Bankruptcy Litigation?

What Is Bankruptcy Litigation?

Most people view of bankruptcy as a simple procedure that, unlike many court proceedings, does not involve a third party. You can file paperwork and get a discharge (a court order that eliminates eligible debt) without fear of someone objecting to your case.

That is how it works in the great majority of cases. Although every creditor in a bankruptcy case has the right to oppose the discharge, few do so, partly because they don’t always have grounds to do so. However, individuals concerned (known as “interested parties,” such as the debtor, creditors, and trustee) still have the option of engaging in full-fledged litigation. You’ll learn how normal bankruptcy litigation works in this post.

How the Bankruptcy Court Distinguishes the Different Types of Litigation

The bankruptcy rules discriminate between different types of litigation based on how they relate to the bankruptcy. The distinction is significant because it impacts the bankruptcy judge’s jurisdiction and decision-making authority.

It’s all about the fundamentals. Litigation over a debtor’s right to maintain property covered by a bankruptcy exemption, for example, is specific to bankruptcy cases. The bankruptcy court has the last say on these matters (subject to appeals).

Non-core issues are important. These issues are relevant to a bankruptcy case, but they could have arisen between the parties even if a bankruptcy case had not been filed. Contract disputes and tax litigation are two examples. In a non-core matter, a bankruptcy judge’s authority or jurisdiction is restricted to making a referral to the federal district court (of which the bankruptcy court is a part) unless all parties agree to give the bankruptcy judge final authority.

Although all bankruptcy disputes are serious concerns, some are more complicated than others and necessitate the use of unique litigation rules.

Adversaries. Some bankruptcy litigation must be filed as a separate case known as an adversary process. These cases are linked to the main case, but they have their own case number and follow a different set of regulations than the main case. They usually take the traditional plaintiff vs. defendant format and proceed in the same way as previous trials.

Controversial issues. These are issues that normally do not escalate to full-fledged litigation (though they can) and often deal with a specific issue in the bankruptcy case. Objections to proof of claims (discussed further below), objections to Chapter 11 or Chapter 13 plans, and motions to lift the automatic stay are all examples.

In a bankruptcy case, not all of the litigation stems from the bankruptcy itself. Almost any lawsuit in which a debtor is involved can be brought in bankruptcy court, especially if it involves the debtor’s money or property. Depending on the nature of the suit and its status in the nonbankruptcy court, a case pending in another court can be transferred to the bankruptcy court. If the case is not removed to bankruptcy court, the bankruptcy judge can maintain jurisdiction to have the last (or almost final) word over a state court decision.

Although there isn’t much that a bankruptcy judge won’t take on, the following issues aren’t frequently decided in bankruptcy court:

Cases involving divorce or child custody. Property divides and ownership issues, as well as responsibility for a secured obligation (a debt secured by collateral, such as a house or car), may be brought before a bankruptcy judge, however bankruptcy judges will not dissolve marriages or determine parenting rights.

Probate is important. Although a debtor’s death does not automatically conclude a bankruptcy case, the bankruptcy court typically only deals with matters of asset disposal and debt repayment. It would be unusual for the court to take on a case involving a transfer of ownership or other concerns that are typically handled by the probate court.

Personal injury is a serious concern. In most cases, bankruptcy courts will defer to state courts when it comes to determining liability (the job of deciding who is at fault in an accident). Insurance coverage cases are frequently heard in bankruptcy courts, and they are frequently asked to determine if a state court judgment was obtained owing to fraud, willful damage, or intoxication, all of which can preclude the debt from being dismissed.

Bankruptcy Litigation Types

The following are some of the most prevalent sorts of disagreements that arise in bankruptcy cases.

Debtor and Creditor Relationship

Debt dischargeability is a term used to describe the ability of a debt to be discharged Some debts are non-dischargeable (that is, they do not disappear when you file for bankruptcy). However, in other cases, the debtor or creditor must file a lawsuit inside the bankruptcy case, requesting that the court rule whether the debt will be discharged.

Discharge of all charges. If the debtor has cheated the creditor or the court, the creditor might contest the debtor’s right to the complete discharge.

Claims. On a proof of claim, debtors might contest a creditor’s right to payment (the form a creditor must submit before receiving payment).

Violations of automatic stay or discharge injunctions. A debtor can sue a creditor if the creditor tries to collect a debt while the automatic stay or discharge injunction is in effect. (A court order prohibiting a creditor from collecting following a bankruptcy filing is known as the automatic stay.)

The Debtor and the Trustee

Discharge of all charges. The trustee, like a creditor, can oppose a debtor’s right to a discharge. It frequently happens as a result of a charge of bankruptcy fraud.

Exemptions and other property issues: The trustee has the authority to challenge the debtor’s right to an exemption (a debtor can protect property that is exempt under the law). The debtor, on the other hand, has the right to oppose to the trustee’s right to seize the debtor’s exempt property.

Between the Trustee and the Creditors or Other Parties Involved

Powers of coercion wielded by the trustee. The trustee has broad authority to seize assets. The trustee, for example, can retrieve preferential payments (money paid to a certain creditor just before the bankruptcy filing) or property that was fraudulently transferred to someone else to avoid the trustee selling it.

Claims.

On a proof of claim, the trustee can contest a creditor’s right to payment.

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

Does it Matter Who Files for Divorce First?

It’s a strategic decision whether to file for divorce before your spouse does, and one you might be able to avoid if you can file an uncontested divorce.
Is it important who files for divorce first when it’s time to end your marriage? It may be able to: When it comes to deciding some issues in a divorce, the non-moving spouse (the spouse who does not file for divorce) may be at a disadvantage.

Why Is It Important to File for Divorce First?

One (or both—more on joint filing later) spouse must file a divorce petition with the court to begin the divorce process. The petitioner is typically referred to as the “petitioner,” while the non-filing spouse is referred to as the “respondent.”

If you know there’s no way to reconcile, filing first may provide you with some strategic advantages, such as:

The location of the court is your choice. The petitioner gets to choose the jurisdiction (place) for the divorce procedures as long as the petitioner follows state and municipal regulations about where a divorce can be filed. Many states have a residence requirement in place to prevent either spouse from filing for divorce in a state or county that favors one spouse over the other. In Michigan, for example, the filing spouse must have lived in the state for at least 180 days and in the filing county for at least 10 days before the court will consider the divorce petition. (Michigan Comp. Laws, Section 552.9 (2021)) If your spouse files first and lives 100 miles away, you’ll have to travel to their courtroom for any divorce-related matters, which will take more time and money than if you filed first in the court closest to you.

Control over the divorce’s progress. The spouse who files for divorce usually has a little more say in how quickly the divorce proceeds. By filing first, you’ve started the process at your leisure, while your husband is forced to answer according to the court’s schedule. You’ll then have time to plot your next move while your spouse is working on a response.

The opportunity to make a good first impression. The petitioner’s statement concerning the grounds (reasons) for the divorce is included in the original divorce filing. The claims in the petition will be the court’s first exposure to information about the case—and if you file first, it’s up to your spouse to change the court’s first impression.

The first chance to place a temporary order. Before notifying the other spouse of the initial divorce petition, the spouse who files first might seek the court for temporary orders. These orders may place restrictions on what each spouse can do with marital finances or property, provide protection for one spouse against the other, award temporary child custody, or provide temporary child or spousal support. Non-filing spouses will have the opportunity to respond to any requests for orders, but they must do so before or at the same time as their petition response. Non-filing spouses can’t get their own temporary orders until they’ve responded to the petition.

Furthermore, the petitioner will be the first spouse to submit their case at trial in many courts. Being the first to speak at a trial isn’t always advantageous: it allows the opposing side to hear your arguments and prepare a rebuttal.

Should I Hire a Lawyer?

In some circumstances, both spouses can come together and make difficult divorce-related decisions without the assistance of an attorney or going to court. There’s no need to hire an attorney if you know you won’t be able to work things out with your husband. However, you may wish to employ an attorney to assist you in negotiating with your spouse or his or her counsel.

Even if you opt to handle your divorce on your own, you can still seek legal advice. An attorney can assist you evaluate if filing first would be advantageous in your instance during a consultation.

Is it always the case that one spouse files first?

Depending on your state’s rules, you may be able to file a “joint” divorce petition (also known as an uncontested or collaborative divorce in some jurisdictions), which implies that both spouses agree to the divorce as well as all divorce-related matters. The couple drafts a divorce settlement agreement and attaches it to their petition. In many states, an uncontested divorce is more efficient than a contested divorce, saving time, money, and relationships.

The following details must be included in your divorce settlement agreement:

  • the reason for the divorce (grounds)
  • each spouse’s portion of the filing fees at the court
  • how you’ll split up your marriage assets and debts
  • whether one spouse will pay spousal support, and if so, how much and for how long

Which spouse will be the primary caregiver for any young children (custodial parent)?

  • a timetable for the non-custodial parent’s parenting time or visitation, and
  • the amount of child support to be paid by the non-custodial parent

In most states, the court will approve a divorce if both spouses agree to all of the terms in writing. When minor children are involved, the court may ask the judge to carefully scrutinize the terms before approving them. Nonetheless, the court will allow the custody and support arrangements as long as they are in the best interests of the children.

Mediation Can Assist You in Filing a No-Fault Divorce

Divorce mediation is one option to avoid the headache of deciding whether or not to file for divorce before your spouse. You and your spouse meet with a neutral professional mediator to resolve the issues in your divorce, either in person or online. You will have a written settlement agreement to present to the court at the conclusion of a successful divorce mediation, and you will be able to proceed with an uncontested divorce.

If either spouse disagrees with any of the divorce terms, the case becomes contested, and the pair must follow the state’s contested divorce procedures.

Written by Canterbury Law Group

Types of Drug Charges

Drug Cultivation and Manufacturing Charges

Federal and state laws make it illegal to cultivate or manufacture illegal narcotics like methamphetamine or marijuana (with limited exceptions for marijuana in certain states). In a criminal law context, drug “manufacturing” happens when a person is involved in any step of the unlawful drug production process. Those who sell specified precursor chemicals, specialist equipment, or just offer to assist in the production of narcotics may also be charged.

Drug manufacture is often charged as a felony, including penalties such as prison time, hefty fines, and probation. Those convicted of manufacturing illegal narcotics near schools and playgrounds might face doubled prison sentences and fines.

Although this article focuses on the criminal accusations of illicit drug cultivation and drug manufacturing, when drug manufacturing is part of a bigger organization, broader RICO charges may be brought.

Elements of the Crime: Drug Cultivation and Manufacturing

Prosecutors must typically prove both possession and intent to manufacture in order to convict someone of making (or intending to create) illegal substances. The tools and materials used to make illegal substances are frequently not considered contraband in and of themselves.

Pseudoephedrine, for example, was previously a popular cold remedy. However, it is also utilized in the production of methamphetamine. Even if authorities discover a package of the now-banned drug in a person’s car, that may not be enough to prosecute for a manufacturing charge. However, if the officer also discovered laboratory equipment often used to make meth in the backseat, it could be enough to justify an arrest.

Similarly, simply having marijuana seeds in your possession does not always imply that you intend to grow them. However, if investigators discover indoor grow lamps and hydroponic equipment, they may be arrested in places where cannabis cultivation is prohibited.

However, having a permit or authority to possess specific items that might otherwise be used to produce illegal substances could be a defense. Pharmacists, for example, have access to a wide range of ingredients that might be used to make illegal narcotics. Furthermore, many chemicals and industrial supplies typically utilized in the manufacture of illegal narcotics may have valid uses that would necessitate the issuance of a permission.

State Versus. Federal Laws on Marijuana Production

While there is little distinction between state and federal drug manufacturing regulations in general, marijuana is an exception. In terms of prosecution and penalties, the federal government treats marijuana growing similarly to the manufacture of other Schedule I substances, but has largely taken a “hands-off” approach to state legalization efforts.

Under federal law, growing less than 50 marijuana plants can result in a five-year jail sentence, or a life sentence if 1,000 or more plants are grown. Individuals in states that have legalized marijuana for medical use or recreational use are not free from federal enforcement, but it is unclear how federal prohibitions would be enforced.

Colorado and Washington were the first states to legalize marijuana for recreational use, but only Colorado allows non-medical users to grow it (six or fewer). States that allow medicinal marijuana usage have different rules about whether (and how much) marijuana can be grown by licensed patients. Patients in Hawaii are allowed to grow up to seven plants, however this is not allowed in Connecticut.

Many sorts of drug offences are covered by federal and state laws. State drug regulations can be stricter if they don’t contradict federal drug laws. Drug charges in federal court normally result in longer terms, although drug charges in state court may result in a shorter sentence or even probation. Having a drug conviction on your record, regardless of the sort of drug offense committed, can have serious ramifications. This page gives an outline of some of the most common drug offenses.

Syringes

The difficulty with drug paraphernalia is that many of them are constructed to appear as though they were created for legal purposes. Many bongs, for example, have warning labels stating that they should only be used with tobacco. Depending on where you bought the item or how it looks, you could be charged with drug paraphernalia even if it contains a label.

Possession

Substance possession laws differ from state to state, based on the sort of drug and the amount involved. Possession of any illicit controlled substance, such as marijuana, cocaine, or heroin, is, nonetheless, illegal under both federal and state drug laws. Possession of an illegal drug can result in charges of simple possession or possession with the intent to distribute. If you have a modest amount of narcotics, you’ll probably be charged with simple possession, but if you have a substantial amount, you’ll be charged with possession with the intent to distribute and face heavier penalties. The same drug paraphernalia regulations mentioned above may also be applied to a drug possession charge.

Manufacturing/Delivery

Another sort of drug crime is drug manufacturing, which involves any part of the illegal substance’s production process. Under federal and state regulations, the supply of any illicit narcotic is also a crime. In order to prosecute an alleged drug maker, prosecutors must usually prove both intent to manufacture and possession. A drug producer could face fines and prison time if convicted.

Trafficking

Selling, transporting, and importing unlawful controlled substances like marijuana and cocaine are all banned under drug trafficking and distribution regulations. Because it usually entails the transportation of a considerable number of drugs, drug trafficking and distribution is a more serious criminal than drug possession. Having huge amounts of an illegal drug, on the other hand, may cause police to suspect you meant to sell the drugs and charge you with distribution. If you are convicted of drug trafficking, you might face a term ranging from 3 years to life in prison.

Dealing

The term “drug dealing” refers to the small-scale sale of illegal drugs. It’s vital to keep in mind that the terms “trafficking” and “dealing” are defined differently in different states and under different federal laws. Because drug dealing usually involves a single person selling a little amount of drugs, the penalty is less harsh than selling bigger amounts. Selling less than 50 grams of marijuana can result in a sentence of up to 5 years in prison and a fine of up to $250,000. This is according to the Drug Enforcement Administration (DEA), which determines federal penalties for drug dealing and trafficking. A sale of 1,000 kg of marijuana, on the other hand, can result in a sentence of ten years or more.

Are You Being Charged With Growing Weed Illegally? An Attorney Can Assist You

Under federal and state law, drug manufacturing and cultivation are prohibited, but there are several exceptions, as indicated above. Even in states where cannabis cultivation is legal, you still face charges if you break specific rules and restrictions. If you have any further questions regarding the laws in your area, or if you’ve been charged with the offense, you should talk with a local criminal defense attorney to learn more about how the law applies to your circumstance.

Need A Criminal Defense Lawyer In Scottsdale or Phoenix?

Canterbury Law Group’s criminal defense lawyers in Phoenix and Scottsdale will defend your case with personal attention and always have you and your best interests in mind when offering legal solutions. Call today for an initial consultation! We handle criminal defense cases in all areas of Phoenix including Mesa, Tempe, Chandler, Maryville, Apache Junction, and more.

We are experienced criminal defense attorneys and will fight for you to obtain the best possible outcome. Our firm will rigorously represent you, so you can get on with your life. Call today for an initial consultation! 480-744-7711 or [email protected]

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

Which Debts Are Discharged in Chapter 13 Bankruptcy

Which Debts Are Discharged in Chapter 13 Bankruptcy

Determine which debts are discharged at the conclusion of your Chapter 13 repayment period.

You’ll get a discharge order after you finish your Chapter 13 repayment plan, which will wipe out the remaining sum of qualified debt. In fact, a Chapter 13 bankruptcy discharge is much broader than a Chapter 7 bankruptcy discharge because it eliminates debts that aren’t dischargeable in Chapter 7.

In a Chapter 13 bankruptcy, which debts are paid?

In bankruptcy, not all debts are treated similarly. Each one belongs to a specific category, which indicates whether the obligation must be paid or if it can be canceled.

The first stage is to determine if a debt is secured (backed up by collateral) or unsecured (no property may be taken if you don’t pay).

Priority and nonpriority unsecured debt are two types of unsecured debt. Priority unsecured debts are not dischargeable and are paid before nonpriority debts. Nonpriority unsecured debts are only paid if there is money left over, and the debt is usually dischargeable in bankruptcy.

Here are some of the most important details:

  • Debts that are secured. If the obligation is secured by collateral, you must either pay as promised or surrender the collateral (usually a house or car). Long-term debts, such as a 30-year mortgage, are not need to be paid in full under a Chapter 13 plan. If you’re behind on payments, you’ll have to make up the difference in the plan. The debt becomes a nonpriority unsecured debt if you surrender the collateral.
  • Unsecured debts take precedence. In a bankruptcy proceeding, these debts do not disappear. Priority claims must be paid in full in a Chapter 13 plan.
  • Unsecured debts that aren’t priority. The bulk of nonpriority unsecured debts are discharged in Chapter 13 bankruptcy. Credit card debt, personal loans, medical costs, and utility bills all fall into this category. Although student loans fall into this category, they aren’t dischargeable unless you can show in an adversary procedure (a separate litigation) that paying the debt will cause you undue hardship. You won’t have to repay your school loans in full under your plan because they are long-term debts.
  • Most non-priority unsecured debt balances will be discharged once your Chapter 13 repayment plan is finished. Student loan balances, on the other hand, will remain your responsibility.

Debts Eligible for a Chapter 13 Bankruptcy

Some of the most prevalent types of non-priority unsecured debts are listed below.

  • Debt owed on a credit card. Most people who file for bankruptcy have credit card debt that they want to pay off. Because credit card debt is considered nonpriority unsecured debt, any leftover balance will be discharged once your repayment plan is completed.
  • Medical expenses. You can discharge your medical costs through Chapter 13 bankruptcy if you have to acquire debt because your medical care was not fully covered by insurance.
  • Personal loans that aren’t backed up by anything. Any uncollateralized personal debts (like as a payday loan) are discharged at the end of your Chapter 13 case, much like credit card debt.
  • Tax obligations from the past. The majority of tax debts are non-dischargeable priority debts. Certain taxes (such as back taxes) may be designated non-priority debts and dismissed following completion of your case if you did not conduct fraud (and, in some jurisdictions, timely filed your returns).
  • Breach of contract or debt resulting from negligence. You can usually dismiss a judgment against you through Chapter 13 bankruptcy if you broke a contract (failed to pay or perform as required) or performed a negligent (accidental) act that caused personal or property harm. However, a debt for willful or malicious injury to a person will not be discharged under Chapter 13.

Chapter 13 Bankruptcy Discharges Debts But Not Chapter 7 Bankruptcy

The following are examples of the debts that will be discharged in a Chapter 13 bankruptcy but will not be discharged in a Chapter 7 bankruptcy.

  • Property Damage Caused By Willful and Malicious Acts
  • You can discharge debts deriving from willful and malicious damage to another person’s property (the harm was intentional, not accidental) but not willful injury to another person through Chapter 13 bankruptcy.
  • Debts incurred in the payment of non-dischargeable taxes
  • If you pay your tax debt with a credit card, the debt is usually nondischargeable in a Chapter 7 bankruptcy. You can, however, discharge debts incurred to meet nondischargeable tax obligations in Chapter 13.

Property Settlement Debts Resulting from Divorce or Separation

Alimony and child support are always non-dischargeable domestic support obligations. You can, however, discharge your duty to your spouse or former spouse for other obligations allocated to you in divorce or separation proceedings through Chapter 13 bankruptcy.

Example. Assume you were assigned and obligated to pay a joint credit card you shared with your husband in your divorce judgment. If you don’t pay it, the credit card company has the right to pursue both you and your former spouse, despite the fact that the debt was assigned to you by a family court judgment. You can discharge your debts to creditors but not to your former spouse if you file for Chapter 7 bankruptcy. If your ex spouse is forced to pay the debt, he or she has the right to pursue you for the money. However, Chapter 13 relieves you of your debts to both the creditor and your former spouse.

Homeowners’ Dues After the Petition

You’ll be responsible for property taxes, utility payments, and homeowners’ dues until the home’s title is no longer in your name if you let go of a home in a Chapter 7 case (in other words, until the lender sells it in foreclosure). If you surrender your property as part of a Chapter 13 plan, some bankruptcy courts, but not all, will not hold you liable for homeowners’ dues.

Fines, penalties, and forfeitures imposed by the government

In Chapter 13 bankruptcy, you’ll be entitled to discharge any debts you owe to a city, county, state, or other governmental agency, including those stemming from fraud. You will, however, be responsible for any restitution or criminal fines imposed during your criminal sentence.

Debt from an Unsuccessful Bankruptcy Case

You could be eligible to get rid of debt in Chapter 13 if the court found that you weren’t entitled to a discharge in a previous bankruptcy case (say because you didn’t fulfill the Chapter 7 means test) or if you waived your discharge. You won’t be able to get rid of a debt that a judge has declared nondischargeable by filing another case.

Liens that have been stripped or crammed down

A creditor’s security interest (such as a mortgage or vehicle lender’s lien) on your property is usually not removed by bankruptcy. If certain circumstances are met (for example, the debt isn’t fully secured by the collateral and the property is worth less than the obligation), Chapter 13 bankruptcy may be used to eliminate an entirely unsecured junior lien or consolidate a secured debt (reduce the loan to match the property value). The percentage that has been stripped or reduced is classed as an unsecured obligation and discharged at the conclusion of the case.

Other Specimen Debts

You may also be eligible to discharge the following debts:

a debt incurred as a result of a wrongful conduct against a federally insured bank or credit union

a prisoner’s court fees for filing a lawsuit, motion, appeal, or other court document, and

Debts incurred as a result of securities law violations.

When will you be discharged under Chapter 13?

In Chapter 13 bankruptcy, you must repay a specific amount of your obligations through a repayment plan before receiving a discharge. However, it isn’t based on the overall amount of debt you owe. Instead, the amount of your repayment plan is determined by the type of debt you have, the value of your home, your income, and your outgoings.

Specifically, you must pay your unsecured creditors the larger of the following amounts:

your disposable income (what’s left after you’ve deducted all of your allowable expenses), or

the value of your nonexempt property (that which is not protected by a bankruptcy protection).

The bankruptcy trustee distributes funds to creditors according to the priority of each debt. Unlike non-priority unsecured debts, certain priority debts (such as recent taxes, alimony, and child support) must be paid in full.

While it’s possible that you’ll pay less than you owe (especially if you have a lot of credit card or medical debt), you’ll repay all of your debt if it’s priority debt, such as current income tax liabilities and support obligations.

Any remaining qualified balances are wiped out once you’ve made all of your plan payments. Creditors will no longer be able to pursue you to recover debts.

 

Speak With Our Bankruptcy Lawyers In Phoenix & Scottsdale

Canterbury Law Group should be your first choice for any bankruptcy evaluation. Our experienced professionals will work with you to obtain the best possible outcome. You can on the firm to represent you well so you can move on with your life. Call today for an initial consultation. We can assist with all types of bankruptcies including Business BankruptcyChapter 7 BankruptcyCreditor RepresentationChapter 5 ClaimsChapter 13 Bankruptcy, Business RestructuringChapter 11 Bankruptcy, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

Manufacturing Drugs Charges & Penalties

Manufacturing Drugs Charges & Penalties

Manufacturing any drug, commonly known as narcotics or controlled substances, is completely banned unless state and federal authorities have issued you a license.

Manufacturing

When a person takes part in any aspect of the process of making an illicit drug, this is referred to as drug manufacturing. Mixing chemicals in preparation for making LSD, “cooking” or synthesizing methamphetamine, and growing marijuana plants are all examples of manufacturing activity. It’s enough to offer to help with the drug manufacturing process to qualify as drug manufacturing.

Material Distribution

Anyone who knows or has a reasonable cause to know that chemicals, chemical combinations, components, or materials will be used to manufacture illegal narcotics is likewise prohibited from supplying them. Producing methamphetamine, or meth, for example, necessitates the use of specific chemical components. If the supplier knew or should have known the person would use the chemicals to produce methamphetamine, he or she might be prosecuted with drug manufacturing.

Cultivation

Plants that generate prohibited substances are likewise subject to manufacturing laws. Cultivation usually refers to the act of producing marijuana plants, hallucinogenic mushrooms, or other plants used in the drug-making process.

Is Possession Enough?

Even if you never create any illicit substances, you might be convicted of a drug production felony. You can be held guilty of manufacturing if you simply have the chemical components, manufacturing equipment, or other items needed to make unlawful substances.

Penalties

Drug manufacturing offenses can result in lengthy jail sentences and heavy fines, depending on whether the offense is committed on a state or federal level. Drug manufacturing is often a felony offense, though it can be punished as a misdemeanor in specific cases, such as when a person is found in possession of components necessary to create prescription medications rather than illegal drugs.

Prison. Convictions for drug manufacture can result in lengthy jail sentences. The minimum term for felony drug manufacturing convictions is one year in jail, although sentences can be as long as ten years or more. Misdemeanor drug production charges can carry a sentence of up to a year in prison.

Fines. Drug production fines might be rather high. Fines for misdemeanors can be as high as $2,000, and felony fines can be as high as $50,000 or more.

A court may impose a probation term in addition to or instead of fines and jail for someone convicted of drug manufacture. Probation durations are normally for at least one year, although they might be for several years. Probationers must obey a probation officer’s orders and adhere to specified probation conditions, such as avoiding committing additional offences, paying all costs and fines, and submitting to random drug tests.

Restitution. You may be required to pay restitution in addition to any fines imposed by the court in some states. In drug manufacturing cases, restitution refers to the amount of money you must pay to offset the costs of any damage caused by the drug manufacturing activity, as well as the costs of law enforcement cleaning up a drug lab.

Sentences for particular amounts and categories of drugs have been increased.

Charges of drug production apply to anyone who makes or attempts to make a controlled substance. If the amount of pharmaceuticals manufactured exceeds the level specified by state law, those who create them may face harsher penalties. If a person is found with more than 9 grams of methamphetamine, for example, a state may impose a heavier penalty. If a person generated less than 9 grams, the consequences would be less harsh. The degree of difference between less severe and more severe fines varies by state.

Circumstances That Make Things Worse

If you’re convicted of manufacturing drugs under certain circumstances, you could risk a harsher sentence. If you’re making narcotics around children, for example, you could be charged with a more serious offense than if no children were present. The larger the potential penalty, the more serious the crime.

Need A Criminal Defense Lawyer In Scottsdale or Phoenix?

Canterbury Law Group’s criminal defense lawyers in Phoenix and Scottsdale will defend your case with personal attention and always have you and your best interests in mind when offering legal solutions. Call today for an initial consultation! We handle criminal defense cases in all areas of Phoenix including Mesa, Tempe, Chandler, Maryville, Apache Junction, and more.

We are experienced criminal defense attorneys and will fight for you to obtain the best possible outcome. Our firm will rigorously represent you, so you can get on with your life. Call today for an initial consultation! 480-744-7711 or [email protected]

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

Written by Canterbury Law Group

Intentionally Delaying Divorce: What Should I Do?

Intentionally Delaying Divorce: What Should I Do?

Divorce may be a long and traumatic process for some couples. It doesn’t have to be that way, though. Your divorce can be amicable and go at a reasonable pace. Even procrastinating couples don’t always have influence over the divorce procedure. You and your attorney can talk about how to get your divorce started so that you can get back to living your life.

Divorce may be a long and traumatic process for some couples. It doesn’t have to be that way, though. Your divorce can be amicable and go at a reasonable pace. Even procrastinating couples don’t always have influence over the divorce procedure. You and your attorney can talk about how to get your divorce started so that you can get back to living your life.

What Can I Expect During My Divorce?

When one of the spouses files a divorce petition, the divorce process begins. Making their divorce uncontested—meaning both spouses agree to all of the terms in the petition—can help speed up the process. In most circumstances, however, one spouse files and serves a divorce complaint, and the other spouse has around 20 days to respond. Divorces that involve more complicated assets and parenting issues are frequently longer and more expensive.

Some facets of a divorce require patience. In many states, for example, a contested divorce requires a waiting time. Between the time they submit their divorce paperwork and the time the court signs off and grants the divorce, a couple may have to wait anywhere from 30 to 90 days.

What Should You Do If Your Partner Isn’t Responding?

If you’ve filed for divorce, your spouse may want to postpone it until you can work things out. A spouse can keep requesting court extensions or refuse to react to your documents. Your spouse’s inability to respond to the divorce petition, on the other hand, can work in your favor. You can seek a default judgment after serving your spouse with a divorce case and the response period has expired.

A judge can offer you exactly what you asked for in your divorce petition if you get a default decision. The failure of your spouse to answer will be interpreted as acceptance of your terms. You’ll have to show the court that you properly notified your spouse about the divorce. A judge may enable you to print a divorce notice in a local newspaper if your spouse has moved without giving you a new address or is dodging service.

Making their divorce uncontested—meaning both spouses agree to all of the terms in the petition—can help speed up the process.

How to Deal with Your Spouse’s Delay Efforts

It’s much more aggravating if you’re in the process of a divorce and can’t get a default judgment because your spouse doesn’t answer, even if it’s slowly. Some vengeful spouses, for example, routinely request extensions, cancel depositions at the last minute, and are constantly too preoccupied to organize a mediation. You may need to take further actions to compel your spouse to participate in certain scenarios. You can, for example, decline your spouse’s third request to cancel a deposition and file a formal motion asking a judge to impose sanctions (fines or other punishments) against him or her. You might be able to reclaim part of the legal fees you paid for the motion as well.

You can also ask the court to schedule a settlement conference if your spouse refuses to attend mediation. Settlement discussions are usually held in the judge’s chambers at the courthouse. If a court is involved, your spouse may take things more seriously. If your husband is attempting to delay your divorce, you must remain firm and continue to go forward.

Need a Divorce Lawyer in Scottsdale or Phoenix?

As proven legal counsel in family court, we have a network of Arizona attorneys, expert witnesses, mediators, tax specialists, estate planners, financial planners, child specialists, real property appraisers, adult and child therapists and parenting coordinators who are here for you if you ever need them. Our lawyersdivorce mediators and collaborative divorce attorneys in Scottsdale are here to make your divorce less stressful and keep you in control and the costs contained. Call today for an initial consultation at 480-744-7711 or [email protected]. Our family lawyers can also help with divorce litigation, child custodylegal guardianshippaternityprenuptial agreements, and more.

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs.

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