Written by Canterbury Law Group

What is Criminal Defense?

What is Criminal Defense?

A defense attorney serves as the defendant’s adviser, guardian, and confidant in the complex criminal court system. (At least, that’s how it’s meant to work.) Court-appointed attorneys, who are paid by the government, and private attorneys, who are paid by the defendant, are the two types of defense attorneys.

Some criminal defendants have the financial means to engage a private criminal defense lawyer. The court may appoint counsel to represent criminal defendants who cannot afford an attorney (about 80% of all criminal defendants) (assuming certain qualifications are met). These court-appointed counsel are either government-paid public defenders or so-called “panel attorneys,” who are local attorneys picked from a pool. A small percentage of criminal defendants (about 2%), known as “pro se” or “pro per” defendants, represent themselves in court.

What is the definition of criminal defense law?

Criminal defense law refers to the legal safeguards provided to someone accused of committing a crime. Government prosecutors and law enforcement organizations have a wealth of resources at their disposal. The balance of power within the court system would become tilted in favor of the government if the accused were not adequately protected. As it is, fair treatment for criminal defendants often hinges on the skill of their defense attorney as much as it does on the law’s fundamental protections.

Defense attorneys understand how to employ constitutional provisions to their clients’ benefit. All criminal cases, for example, are based on evidence acquired by the government. Physical evidence, witness accounts, confessions, drug and alcohol tests, and so on are all examples of this. The Fourth Amendment to the United States Constitution (applied to states by the 14th Amendment) prevents the authorities from gathering evidence through excessive searches and seizures. If they do, a defense attorney will request that the evidence be suppressed so that it cannot be utilized at trial.

Many more protections are provided by the Constitution in the sphere of criminal defense law. According to the Fifth Amendment’s “double jeopardy” provision, someone who has been tried and acquitted of a crime cannot be charged with that crime again. Criminal defendants have the right to a public trial and, in many situations, the right to have their guilt or innocence decided by a jury under the Sixth Amendment. It also gives you the right to confront opposing witnesses and use the court’s subpoena power to compel favorable witnesses to appear.

What is the Role of a Criminal Defense Lawyer?

Criminal defense lawyers (both private and court-appointed) conduct research, investigate the case against their clients, and attempt to reach agreements with their opponents (prosecutors). Bail may be decreased, charges may be reduced, and sentences may be reduced as part of these agreements. Deal-making has grown in prominence and has become a crucial part in unclogging the criminal justice system as a result of a number of circumstances, including political and public pressure, overcrowded jails, and congested court calendars.

Criminal defense lawyers also interrogate witnesses, assist in the formulation of a plea, analyze the prosecutor’s case, evaluate potential penalties (and the possibility of a specific judge imposing such a penalty), review search and seizure procedures, ask witnesses, and gather evidence. A lawyer for the defense can also advise on the immigration implications of a plea, conviction, or criminal record.

Defense attorneys also give more personalized services by providing a realistic assessment of the likely results and assisting the defendant in dealing with the frustrations and fears that come with being thrown into the criminal court system. Of course, if a plea deal cannot be reached, the defendant is represented at trial by the defense lawyer.

Legal Representation Costs

When it comes to legal representation, the defendant’s financial situation and ability to afford private counsel are critical considerations.

Private criminal defense attorneys bill by the hour (expect to pay $150 or more per hour) or by a fixed or set price. They are not allowed to charge contingency fees, which are payments that are contingent on the case’s outcome. The court may appoint a government-paid public defender or panel attorney if the defendant is poor (unable to pay private counsel).

Some people—but not many—have enough money to hire a lawyer without it being a financial burden. Getting legal representation, on the other hand, is sometimes more difficult for those who fall somewhere in between these two groups.

The bottom line for courts is that once a destitute defendant faces a jail or prison term, the entitlement to free (government-paid) defense counsel generally kicks in. If incarceration is not a possibility—for example, if a judge announces on the record that she will not sentence the defendant to prison—then the defendant may not be entitled to free legal representation (depending on state law).

It’s important to note that the right to free legal representation does not imply the freedom to choose your own lawyer. A defendant who has been appointed counsel usually does not have the same freedom as a paying defendant.

Is Hiring a Private Lawyer Better Than Hiring a Court-Appointed Lawyer?

Defendants may assume that private counsel have an edge over the overburdened public defender’s office or panel attorneys who are paid a low fee. Do private attorneys, on the other hand, provide greater representation than court-appointed, taxpayer-funded defense counsel?

Many private lawyers have previously worked as prosecutors or public defenders. According to research comparing the outcomes of having a private attorney with a court-appointed attorney, the consequences for defendants are generally the same. According to one study, defendants represented by private lawyers and those represented by public defenders had identical conviction and sentencing rates (although those represented by panel attorneys fared worse). Because of confounding issues, such statistical evidence is not always reliable or obvious. Clients represented by private counsel, for example, are more likely to have little or no prior criminal records, but indigent defendants are twice as likely to be repeat offenders. What’s also unknown—and one of the criminal justice system’s biggest unknowns—is whether private attorneys can negotiate better plea offers than court-appointed counsel.

Ultimately, the expertise, talents, and devotion of the individual attorney on hand—whether a public defender, panel attorney, or private lawyer—are the best indicators of the quality of the counsel.

Representation of Oneself (Pro se)

It is undeniable that having a lawyer represent you is virtually always the best option. Despite this, some criminal defendants choose to represent themselves in court. The judge, not the defendant, makes the final judgment on whether or not a defendant can self-represent. The defendant’s competency must be determined by the judge. This is because, even if the defendant is insistent about not accepting the services of a court-appointed attorney, a defendant who cannot provide a competent defense will not be given a fair trial. A judge will examine the following elements while deciding whether a defendant can go pro se:

The gravity of the offence, the defendant’s language abilities and education, whether the defendant understands the nature of the proceedings, and whether the defendant is knowingly waiving his right to counsel are all factors to consider.

Locating a Lawyer

Look for a private defense lawyer that specializes in criminal defense and practices in the jurisdiction (city or county) where the accusations are pending. A local lawyer will be conversant with the local judges and prosecutors. Learn more about things to look for in a private criminal defense attorney in this post.

If you don’t have enough money to hire an attorney, you’ll need to ask for court-appointed counsel (either before or during one of your initial court appearances) and complete out our financial resources form.

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

How Much Does Divorce Mediation Cost

Divorce mediation Costs 2021

Learn how much divorce mediators charge on average and what factors can affect the cost of your divorce.

Private Divorce Mediation Costs

The cost of private mediation ranged from $3,000 to $8,000. The cost of a private mediator or mediation service varies depending on a number of factors, but the overall cost is normally between $3,000 and $8,000. (usually divided with your spouse).

Divorce is nearly usually a painful experience. However, it does not always have to be a protracted court struggle that causes further emotional and financial distress. Many couples have discovered that divorce mediation may assist them in deciding how to handle the practical aspects of their divorce, such as dividing their property and debts, child custody and visitation, child support, and alimony, in a way that reduces tension and promotes collaboration. It may also assist them in reducing the cost of divorce.

How Mediation Affects Divorce Costs

Couples who go through successful mediation—that is, mediation that results in a settlement agreement on all of the problems in a divorce—can avoid the high costs of a typical, combative divorce. People who mediate a divorce settlement are also less likely to go back to court after the divorce to request adjustments, such as a custody modification, according to research, which adds even more expenditure.

But how much does mediation itself set you back? That question does not have a clear response. The cost of divorce mediation, like the entire cost of divorce, is determined by a number of factors, which we’ll discuss below. The main price difference, however, is determined by which of the three major forms of mediation you use:

Mediation can be private, court-sponsored, or community-based.

The cost of a private mediator is higher than that of court-sponsored or community mediation. Private mediation, on the other hand, is more likely to result in a comprehensive resolution of all concerns in your divorce, which could save you money in the long run.

The Price of Divorce Mediation in a Private Setting

You and your spouse will choose and pay a neutral, trained mediator in private divorce mediation. You could also use a divorce mediation agency, which would assign you a mediator (more on that below). Rather than making decisions for you (as a judge would) or advocating for one side or the other (as your lawyers would), the mediator will work with you to find solutions to the challenges in your divorce that you can both agree on. (Learn more about how divorce mediation works.)

The overall cost of private divorce mediation is usually between $3,000 and $8,000, however it might vary depending on the circumstances. If you and your spouse split the expense 50/50, as most couples do, each of you will pay between $1,500 and $4,000 on average.

The cost of mediation is determined by two factors: the mediator’s rate (typically hourly or by the session) and the number of hours of mediation required to reach an agreement on the problems in your case. As we’ll see below, there are other components that go into each of these basic ingredients.

Rates for Attorney-Mediators

The hourly rates for an attorney divorce mediator ranged from $250 to $500.
The hourly prices paid by divorce mediators who are also attorneys vary widely, based on the lawyers’ experience, specialized training, and geographic location.

Rates of non-attorney mediators

The hourly rates for non-attorney mediators ranged from $100 to $350. Non-attorney divorce mediators typically charge less than attorneys, however hourly charges vary depending on qualification, training, experience, and location.

Packages for Divorce Mediation

After an initial examination of your case, some private mediators or mediation agencies will charge a set rate. In some areas, there are also companies that offer flat-rate packages for divorce mediation services without requiring an assessment of your circumstances. In most circumstances, the cost of either sort of flat-rate package is between $4,000 and $5,500, though it can be more in complicated cases. Mediation packages may offer varying levels of service or features, so pay attention to the fine print when comparing prices. Some services charge a flat fee for an infinite amount of mediation hours, while others have a limit (with an extra hourly charge if further sessions are needed). Others, following a free initial consultation, will quote a flat charge that is relevant to your case. Some services use family law attorney mediators, while others use non-legal mediators, or a combination of the two.
Preparing a formal settlement agreement and/or completing other divorce forms may or may not be included in the package.

Source: https://collaborativedivorcetexas.com/steps-telling-spouse-want-divorce/

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

How Do Bankruptcy Exemptions Work

How Do Bankruptcy Exemptions Work

If you’re one among the millions of people who lost their jobs as a result of COVID-19, bankruptcy can help you clear your debts while keeping your retirement assets intact. You won’t lose your stimulus cash, though, because the new bankruptcy “recovery rebate” law preserves stimulus checks, tax credits, and child credits.

Exemptions from bankruptcy play an important role in both Chapter 7 and Chapter 13 bankruptcy. Exemptions are used in Chapter 7 bankruptcy to determine how much of your property you get to keep. Exemptions in Chapter 13 bankruptcy help you keep your plan payments modest. Learn more about bankruptcy exemptions and how they work by reading on.

What Are the Different Types of Bankruptcy Exemptions?

Exemptions allow you to keep a specific amount of assets, such as a cheap car, professional tools, clothing, and a retirement account, safe in bankruptcy. You don’t have to worry about the bankruptcy trustee appointed to your case taking an asset and selling it for the benefit of your creditors if you can exclude it.

Many exclusions cover specific property kinds up to a certain dollar value, such as a car or furnishings. An exemption can sometimes protect the asset’s total worth. Some exemptions, known as “wildcard exemptions,” can be used on any of your properties.

Is it okay if I keep my baseball cards? Jewelry? Pets?

The goal of bankruptcy is to give you a fresh start, not to take away all of your possessions. You’ll probably be able to protect other items as well, such as religious literature, a seat in a building of worship, or a burial plot, in addition to the fundamentals. Chickens and feed are even exempt in some states. However, you should not make the mistake of assuming that everything will be well.

  • Items of high value. There are no exemptions for boats, collections, pricey artwork, or holiday homes. Instead of filing for bankruptcy, owners with such valuable assets often sell the property and pay off their debts.
  • Jewelry. Many states provide protection for wedding rings up to a certain value. Don’t expect to preserve your Rolex, diamond necklace, or antique broach collection, though.
  • Pets. The dog or cat you rescued from the shelter is unlikely to fall into the trustee’s hands. Why? It’s not that you’ll have a specific exemption to protect it; rather, the trustee would have to pay more to sell it than it’s worth in most circumstances. However, if you own a valuable show dog or a racehorse with high breeding costs, you may be forced to sell it or pay for it in bankruptcy.

Exemptions: What Are They and How Do They Work?

Whether you’re filing a Chapter 7 or Chapter 13 bankruptcy, exemptions play a significant role.

Bankruptcy under Chapter 7

A liquidation bankruptcy is one in which the appointed trustee sells your nonexempt assets to satisfy your creditors. Because the bankruptcy trustee cannot sell exempt property, exemptions assist you protect your assets in Chapter 7 bankruptcy. If your state offers a $5,000 motor vehicle exemption and you only own one automobile worth $4,000, for example, you can keep it. See Exemptions in Chapter 7 Bankruptcy for more details.

Bankruptcy under Chapter 13

You can keep all of your property and rearrange your debts with a Chapter 13 bankruptcy (which can mean paying less on some of them). The amount you must pay specific creditors, however, is still determined by how much property you can exclude. Unsecured creditors who are not priority (such as credit card companies) must be paid an amount equal to your nonexempt assets. Exemptions assist keep your Chapter 13 bankruptcy plan payments modest by lowering the amount you must pay creditors. See Exemptions in Chapter 13 Bankruptcy for more details.

Bankruptcy Exemptions at the State and Federal Level

There are bankruptcy exemptions in each state. A series of exemptions is also provided by federal law. (See The Federal Bankruptcy Exemptions for further information.) Some states force you to use their exemptions, while others allow you to choose between their exemptions and the federal system (you cannot mix and match the two).

The state exemption rules you’ll be able to use will be determined by where you lived in the previous two years (called the “domicile requirements.”). Read Which Exemptions Can You Use In Bankruptcy? for more information on the distinctions between state and federal exemptions and domicile requirements.

Nonbankruptcy Exemptions in the United States

In addition to state and federal bankruptcy exemptions, there are a number of federal nonbankruptcy exemptions. These exemptions work in a similar way to bankruptcy exemptions in terms of preserving your assets. Nonbankruptcy exemptions from the federal government are only available if you use your state’s exemptions (you cannot combine the federal bankruptcy and nonbankruptcy exemptions). You can use nonbankruptcy exemptions in addition to state exemptions if you are using state exemptions. See The Federal Nonbankruptcy Exemptions for further details.

Written by Canterbury Law Group

What Happens if You Get Caught with Coke?

What Happens If You Get Caught with Cocaine

In the United States, it is unlawful to possess cocaine for recreational purposes in any form. Arrest, driver’s license suspension, court fines, obligatory rehabilitation programs, and jail are among the legal and financial consequences of possession.

Cocaine is classed as a category II drug by the United States Drug Enforcement Administration (DEA). Cocaine is a stimulant drug that produces euphoria and is highly addictive. The criminal penalties for possessing and distributing schedule II restricted substances vary by state and are mostly determined by the amount of the substance in a person’s possession at the time of arrest.

State-level criminal sanctions for cocaine differ depending on the amount in a person’s possession, how the substance was obtained, and the demonstrated intent of possession. Misdemeanor charges for little amounts and significant criminal charges for large amounts, intent to distribute, and trafficking are among the penalties. Probation, court penalties, and brief terms of jail are common punishments for misdemeanor offenses. Depending on the seriousness of the offense, felony convictions can result in up to 20 years in jail.

Specific cocaine offenses, such as trafficking, are punished as federal felony offenses under the Federal Controlled Substances Act. These infractions can result in fines ranging from $1 million to $50 million, as well as jail sentences ranging from 20 years to life. Individuals who have been convicted of at least one prior trafficking offense face extra penalties ranging from $2 million to $75 million, as well as concurrent life sentences.

Possession of Cocaine Is Legal

Cocaine has a few medical applications as a Schedule II banned substance. Cocaine’s limited medicinal applications, however, do not include its usage as a prescription medicine. As a result, possessing cocaine for non-medical purposes is prohibited. Furthermore, every state in the United States considers the distribution, manufacturing, trafficking, or any other interaction with cocaine to be a criminal felony.

If you’re caught with cocaine in your possession, you could be charged with a state misdemeanor, felony, or federal felony, all of which carry substantial legal and financial consequences.

Cocaine Quantity Possessed

The amount of cocaine in a person’s possession impacts the categorization and severity of the charges that will be brought against him or her if they are detected. While state-level cocaine possession penalties are based on the amount of cocaine in possession, federal offenses are based on the nature of the criminal act and the individual’s criminal history. Each state has its own set of rules for the use, possession, and punishment of restricted substances. If you have any questions about specific state laws, you should see an attorney.

Prior Criminal Records

The severity of the legal and financial penalties that an individual faces is heavily influenced by their criminal history, as well as the amount of cocaine and intent of possession. For persons with a history of drug-related offenses, the penalties for each charge of possession are harsher than for first-time offenders. Individuals with a history of non-drug-related offenses are likewise susceptible to harsher punishments in possession instances. At the federal level, a person’s criminal past has a compounding effect in cocaine possession prosecutions. A first conviction for any amount of cocaine possession brings a $1,000 minimum fine and up to a year in prison, while a second conviction carries a $2,500 minimum fine and two years in prison.

Court-ordered Rehabilitation

Cocaine-related offenses carry harsh punishments under the law. Individuals can have their charges and punishments reduced or eliminated as part of pretrial intervention programs if they volunteer to participate in and complete court-ordered rehabilitation programs. Drug treatment courts, according to the National Association of Drug Court Professionals, are the “…single most successful intervention in our nation’s history for leading people living with substance use and mental health disorders out of the justice system and into lives of recovery and stability.”

Getting Caught With Cocaine In Your System

There are a number of charges associated to the illicit use of cocaine, in addition to the statutory prohibitions on possession, trafficking, and distribution of cocaine. Furthermore, if random drug testing programs identify cocaine usage among people on probation, in pretrial diversion, or in other drug-related situations, they are likely to face far harsher punishments than for the original offense. Cocaine can be detected in people using urine, blood, and hair follicle testing, despite its short half-life of about an hour. Cocaine remains detectable in urine for two to four days after usage, in blood for up to ten days, and in hair follicle tests for up to 90 days.

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

How to File for Divorce When Spouse is Out of State

How to Tell Your Spouse You Want a Divorce

If you and your spouse live in different states but want to divorce, it can be done. If your spouse filed for divorce first in a different state, that filing and that state’s laws usually control the proceeding. Read on to learn more.

When you want to divorce your spouse, first determine whether one or both of you meet the residency requirements of the state where you intend to file for divorce. These requirements differ by state. In most states, at least one of you must have been a resident for at least six months. However, other states apply strict residency requirements of up to one year.

Understand the relationship between filing and jurisdiction.

When you and your spouse now live in separate states and each of you files for divorce in your respective states, the state where the divorce was first filed will likely have jurisdiction over the case. In most cases, the state where either spouse files for divorce first has jurisdiction over important decisions in the divorce, including the division of the couple’s assets and liabilities and whether spousal maintenance is appropriate.

Decisions on Asset and Liability Division

Different states provide for different treatment of property and debts. In some states, substantially all property owned by the couple or by either spouse is marital property, subject to a 50/50 division. Other states apply an “equitable distribution” standard when dissolving a marriage.

Decisions on Child Custody

When a divorcing couple has one or more minor children, decisions about child support often follow the laws of the state where the child or children are physically located. Child custody determinations in most states follow a “best interests” standard, where the judge presiding over the case considers what is in the child or children’s best interest.

Source: https://info.legalzoom.com/article/what-process-getting-divorced-while-different-states

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

How Much Does Chapter 7 Bankruptcy Cost?

What is Chapter 7 Bankruptcy

Read on to learn more about the costs of Chapter 7 bankruptcy in 2021.

How Much Does a Lawyer Charge for Chapter 7 Bankruptcy?

The first thing you probably want to know about bankruptcy is how much it will cost. Everyone who files for Chapter 7 has to pay for:

  • the filing fee ($338 in 2022, unless your income is low enough to qualify for a waiver), and
  • two required bankruptcy counseling courses (about $60 or less each).

The average cost a lawyer charges for Chapter 7 bankruptcy is $1,350 with costs varying from $1,200 to $1,500 for the US in 2021 That said, the charges can vary and be greater than this depending on your location, the complications associated with the case and the experience your lawyer has. For example, you may find it costs as little as $4,500 but sometimes can be upwards of $2,200.

Factors Affecting Fees

  • If you live in certain states, Attorneys will charge more for the same services. The cheapest state in the US to file bankruptcy is North Dakota while the most expensive states are Nevada, Maine and New Hampshire, often up to three times as much.
  • Chapter 11 bankruptcies for businesses wishing to continue operations are far more costly and complicated than a Chapter 7 bankruptcy, hence the lower cost of Chapter 7 bankruptcy filing. Chapter 13 bankruptcy is usually somewhere between the price of Chapter 7 and Chapter 11 cases.
  • A simple case where you have just one [profession, simple credit card debt and only basic assets will probably cost less than when you have a spouse, six children, winnings from betting on horses, tax debt, a mortgage, a vacation home in Florida and a wide range of physical assets.
  • An experienced attorney will cost more than an inexperienced one but if your case is complex, it may be worthwhile to have the experienced attorney.

Excessive Fees

Courts do not want people paying too much in attorney fees when they file for bankrupt. An attorney has to disclose the fees charges on a special form called “Disclosure of Compensation.” The appointed trustee reviews this and if they consider excessive fees to have been charged, a motion can be filed requesting the judge to return part of the fee or cancel the fee. The person filing for bankruptcy can also file that charge.

Bankruptcy Discharge: Different Results for Different Debts

In Chapter 7 bankruptcy, you can usually wipe out almost all qualifying debts: those that aren’t “secured” (meaning you haven’t promised to give back property like a house or car if you don’t make the payments; more on that below) or “priority” (like unpaid child or spousal support). Our readers had great results getting their qualifying debts wiped out, mixed results on some debts with special rules (back taxes), and poor results with student loan debt.

Qualifying Debts

More than nine out of ten readers had balances on their credit cards when they filed for bankruptcy—the most common kind of debt they reported by far. Almost all of them (98%) got those debts completely wiped out in their Chapter 7 cases. Also, nearly half of our readers had unpaid medical bills, and they were nearly as successful in getting relief for those debts (95% received a full discharge, while another 4% received a partial discharge). In general, readers also had high discharge rates for other types of qualifying debts, including:

  • Lawsuit judgments (after creditors sued and received a judgment against you in court)
  • Business debts for which you’re personally liable, and
  • Utility and phone bills.
  • Back Taxes
  • It’s difficult—but not impossible—to discharge some older debts for unpaid income taxes 
  • Usually, you can’t wipe out student loan debt in bankruptcy. But there is an exception if you file a separate lawsuit (known as an adversary proceeding) and prove that it would be an “undue hardship” for you to repay the loans.

Chapter 7 Bankruptcy Exemptions in Arizona

Chapter 7 Bankruptcy Exemptions In Arizon

The Bankruptcy Code is governed by federal law, which means that many aspects of bankruptcy such as the “automatic stay” apply similarly regardless of the state the petitioner lives and files in. However, it’s important to know that Arizona has legally opted out of many federal bankruptcy exemptions under the code. So people who file for bankruptcy in the state can obtain exemptions only according to state laws. This particularly pertains to property exemptions. State bankruptcy exemptions work similarly for both Chapter 7 and Chapter 13 bankruptcy in the state. If you are filing for a Chapter 7 bankruptcy, read below to find out which exemptions you may qualify for in the state:

Residential Property and Homestead Assets

Arizona’s homestead exemption allows debtors to exempt up to $150,000 equity value from any real property considered a home. Other real property may also qualify if it falls within Arizona’s homestead laws. The exemption is the same for single as well as married couples. You will have to contact a lawyer regarding which of your real properties can be exempted under the homestead exemption clause in the state.

Certain Types of Personal Property

The courts allow debtors to get exemptions for various items that can be considered “personal property.” Your personal property includes items you own like clothes, computers, guns, furniture, books, pet animals, musical instruments, health aids, and wrongful death awards among others. The state allocates a specific amount of each personal property as exemptions. For example, Chapter 7 petitioners can exempt up to $2,000 for a wedding ring. You should refer to Ariz. Rev. Stat. §§ 33–1123, 33–1125 and 33–1127 for more information, or ask an experienced bankruptcy lawyer.

Deposits

A debtor filing for bankruptcy can exempt up to $300 from deposits in one bank account. If you have multiple bank accounts, contact a bankruptcy attorney in Scottsdale to find out how you can obtain exemptions.

Motor Vehicles

Arizona has very specific exemptions for motor vehicles for Chapter 7 bankruptcy. The courts allow debtors to exempt up to $6,000 equity for each vehicle owned. Elderly petitioners or their elderly or disabled spouses can exempt up to $12,000.  Again, consultation with your legal counsel is essential.

Retirement Benefits and Pension Funds

Under federal rules, qualified retirement plans such as 401ks and IRAs, which have tax-exempt status, are also exempt in bankruptcy proceedings. Arizona upholds this rule. In addition, debtors who benefit from any type of state employee pension plan can obtain exemptions. Amounts will vary depending on the type of plan you have.  So let’s say you have $200,000 in retirement assets, you can still file and procure a bankruptcy discharge and still own your $200,000 in retirement accounts post-discharge.

Life Insurance Benefits

Up to $20,000 in life insurance that could be paid to a child or a living spouse can be exempted when filing for Chapter 7 bankruptcy. Cash surrender value will be considered for exemptions. Similar exemptions can be obtained for insurance plans that cover ill health, accidents or disability. Insurance claims for damages or destruction to property that is exempt will also be exempted from proceedings. There are many insurance exemptions, but there are also exceptions. It’s important to ask a highly qualified lawyer whether your insurance benefits can be exempted under Chapter 7 bankruptcy proceedings.

Child Support

Arizona exempts all child support or alimony payments from discharge when filing for bankruptcy. So filing for bankruptcy is not a valid reason to not pay court ordered alimony or child support.  You are your estate (after you die) will owe child support and alimony for life—and even then, your estate will be compelled to pay.

Fraternal Benefit Society Benefits

If you claim benefits from the Fraternal Benefit Society, they will all be exempted under Arizona law.

How Long Does it Take to File for Chapter 7 Bankruptcy?

Usually, the entire Chapter 7 bankruptcy process starting from the first consultation of your credit to the court’s discharge of the remaining debts, is something that can take up to six months to finish.

However, your case may take longer, for example, when the trustee asks you to submit other documents, or whether they must sell your property to pay creditors. Or maybe you want to try to get your student loan discharged in bankruptcy. That is possible, but challenging, and may require a lengthy trial.

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

Never Take a Plea Bargain

Never Take a Plea Bargain

Facing criminal charges is stressful. You want to tell your side of the story, but the District Attorney offers you to enter a guilty plea as charged. You want to get this case over with as soon as possible. You should not accept a plea deal without the advice of an attorney.

Resist Making a Snap Decision

At Arraignment, the District Attorney or prosecutor may offer a plea deal. If you make a snap decision and agree now, you might regret it later. Many criminal convictions have collateral consequences with a long-term negative impact. 

First Plea Deal is Seldom the Best

A criminal defense attorney can get a better offer later in the case. As the case proceeds, the State will take a closer look at the evidence. The closer the case gets to a trial, the more likely the State will consider further options when proving the case beyond a reasonable doubt in front of a jury.

Understand Collateral Consequences

When the District Attorney offers a plea deal, it might include a fine or jail time.. The plea deal does not address the collateral consequences. A criminal defense attorney will go over the pros and cons of any plea deal with you so that you can fully understand the ramifications of your decision..

You Have the Right to a Trial

It’s vital to comprehend when facing a criminal charge that you have the constitutional right to a trial. At trial, the State must prove to a finder of fact that you committed the crime as charged beyond a reasonable doubt.

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

Should I Try Mediation Before Divorce?

Are you considering a divorce? Are you starting the divorce process or in the middle of a divorce? There are plenty of reasons why you should consult a mediator before signing or agreeing to anything. Ten of the biggest reasons are listed below.

Paperwork

DIY divorces where the parties complete all the paperwork are becoming more popular as they seem less costly. And they often are if you get everything right on the first try. However, many people without any legal training struggle with this. Mediators can help with this by issuing a Memorandum of Understanding (MoU), which outlines the divorce agreement that you reach. An attorney can then convert the MoU to a legal document and submit it to the court so you can be assured everything is filed in the correct manner.

Personal Attention

One of the critical aspects of mediation is that both sides are allowed time to be heard and speak. A mediator can examine situations in a way the Judge may not have time to do so.

More Economical

The price of divorce varies between is inevitably high but, mediation lowers expenses as they are less costly than attorneys and costs are shared between both parties.

Children’s Exposure to Conflict is Minimized

For many people, their children’s trauma during divorce is heartbreaking. In-person or online counseling (especially now, during the COVID-19 pandemic) can help immensely with this. Remember mediation means children aren’t required to appear in a courtroom or be interviewed by numerous professionals.

Confidentiality

When you appear in court, you and your lawyer will need to argue your case against everyone present. Most people find the process of discussing their lives in a roomful of strangers quite dreadful.

Resolution

Mediators are generally able to help divorcing parties reach agreements a lot faster than attorneys engaged in back-and-forth legal proceedings. The fact that you’re not dependent on the court’s schedule and a judge’s calendar of appointments can make the process even faster.

Solutions

You have more say over the agreements reached during mediation and are under no legal obligation to follow the rulings of a judge. The process is also a lot less adversarial, and mediators can raise points that lawyers may not be able to propose. You and your spouse should feel more comfortable bringing up different issues and coming to solutions.

Court Options

Using divorce mediation doesn’t mean fully rule out the option of going to court. If it becomes evident it may be the best course of action, you can still choose that option. Whatever happened with the mediator stays confidential, so both sides start anew in front of a judge.

Legal Advice

Even if you don’t end up in court, you can still consult your attorney during mediation. Professional, respected mediators will usually be able to point you in the direction of a mediation-friendly lawyer.

Mediation Builds Positive Emotions

Eventually, life will go on and return to a new (often much healthier) normal after a divorce. What happens during the proceedings will set the table for what that new normal will be like, so it makes sense to try and build on positive emotions. You will find it liberating to examine your ex-partner’s admirable traits, as they will be encouraged to do with you. This helps foster positive approaches between you, which can keep life after divorce far more stable.

Read More About 

How Much Does Divorce Mediation Cost?

How Much Does A Divorce Cost In Arizona?

How Much Does Collaborative Divorce Cost?

Collaborative Divorce In Arizona

*This information is not intended to be legal advice. Please contact Canterbury Law Group today to learn more about your personal legal needs. 480-744-7711 or [email protected]

Speak With Our Divorce Mediators In Scottsdale

We have a network of Arizona attorneys, 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 divorce mediators and collaborative divorce lawyers in Scottsdale are here to make your divorce less stressful and keep you in control. Call today for an initial consultation at 480-744-7711 or [email protected]

Written by Canterbury Law Group

How Much Does Bankruptcy Cost?

How Much Does It Cost To File For Bankruptcy

How much does it cost to file bankruptcy? Although the answers can have many variables, here are some examples of fees. Read on to learn more.

Chapter 7 Total Filing Fees: $338

  • Filing fee: $245
  • Administrative fee: $78
  • Trustee Surcharge: $15

Re-opening a Chapter 7 filing: $260

  • Chapter 13 Total Filing Fees: $310
  • Filing fee: $235
  • Administrative fee: $78

Re-opening a Chapter 13 filing: $235

Average Attorney Fee for Chapter 7 Bankruptcy: $1,450

A 2016 study revealed that the average national average cost was $1,450 for Chapter 7 cases. The cost depends on where the case is filed. Chapter 7 fees generally range from a low of $1,000 to high of $1,750. Of course every case is different, and a number of factors can affect the cost of your case.

Average Attorney Fee for Chapter 13 Bankruptcy: $3,000

The same study showed an average of $3,000 for Chapter 13 cases, with ranges from from $2,500 to $5,000. Chapter 13 fees are often governed by the bankruptcy court in the particular district so fees vary widely from district to district.

Factors that can add to fees include:

  • Filing for a business bankruptcy as well as a personal one
  • Whether you are filing jointly with your spouse or filing bankruptcy without your spouse
  • You have multiple sources of income
  • You have non-exempt assets
  • You have numerous assets or unusual assets
  • You earn more than your state’s median income for the size of your household
  • Having an extensive number of creditors
  • Having filed for bankruptcy before in the past eight years
  • Trying to stop another legal action such as a foreclosure filing against your property, an eviction, a bank levy or a repossession of property that served as loan collateral
  • Accusations that you committed fraud, or the likelihood that such accusations might be made
  • You have non-dischargeable debts such as student loans, child support, alimony or past-due taxes

Attorneys almost always demand payment before service in Chapter 7 cases. They will often offer payment plans, but they won’t proceed with your case until your fees are paid. 

Bankruptcy Education Courses: $50

One small fee that you mustn’t forget covers credit counseling. Completion of two credit counseling courses is required for petitioners in both Chapter 7 and Chapter 13 cases. You must consult a nonprofit credit counseling agency to arrange to take the course. 

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

What Happens When You Plead Guilty To a Felony?

What Happens When You Plead Guilty To a Felony?

Following a negotiated plea of guilt, a court hearing will be arranged so the judge can be informed. Regardless of whether the judge accepts or wants satisfactory changes, the judge will hear the plea of no contest or guilty and sentencing will proceed often at the next scheduled hearing. Read on to learn more.

Judges Review

Many judges will accept plea bargains if they consider the sentence to be fair but may also consider if the defendant is a repeat offender and if there is community outrage regarding the crime.

The Judge will ensure the defendant is aware of the rights they are conceding, and they comprehend the offense for which they are being punished. This includes admitting and understanding the charges, understanding what the plea fully involves and knowing that by pleading they forsake the right to counsel if they are represented, a right to a trial by jury, the right not to self-incriminate and not to cross examine.

Judges Questions

Normally the judge has a comprehensive list of questions to ascertain if the plea is knowing and intelligent. Usually, defendants follow counsel from their attorney and answer in the affirmative to the questions, so as not to harm the plea-bargaining process.

Not Knowing And Intelligent Pleas

When a defendant enters a plea and does not appear or lacks counsel when reviewed having made a knowing and intelligent plea, there may be grounds for the striking of the conviction from the record of the defendant. This may be vital as offenders tend to be sentenced more harshly with each offense.

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.

1 22 23 24 25 26 43