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Written by Canterbury Law Group

Debt’s Emotional and Mental Toll

Debt – it is a word that can quickly cause anxiety for many Americans. Credit card debt continues to rise, reaching up to $420 billion in 2018. The average household has almost $7,000 in balances carried over to the next month. Credit card debt comes with high-interest rates, which makes it even harder to pay off.

Debt plays a serious role in the a person’s emotional and mental well being. The more debt an individual accumulates, the more likely they’ll deal with stress and anxiety of having to pay it off. Too much debt can take over your life.

If debt becomes too overwhelming, bankruptcy tends to be the last option. There is bankruptcy help in Scottsdale, but that might add a whole new level of stress and anxiety. So, if you’re going through debt right now, consider how it is affecting you emotionally and mentally.

Anxiety and Depression

A study done by Dr. John Gathergood of the University of Nottingham found that those in debt were twice as likely to undergo mental health problems, anxiety and depression included. If this becomes an issue, feelings of worry and hopelessness could arise, making the situation that much more difficult to get a grasp on.

Embarrassment

Admitting that you’re in debt can be embarrassing for some, especially if they’re in so much debt that bankruptcy is a realistic option. In society, money tends to be linked to our success. If you have it, you must be successful in life. If you don’t have it, then you’re not as successful.

With this mentality, many struggling with debt will hide it and act like they are okay financially. The issue is that this could lead to even more debt. They may say yes to expenses that they shouldn’t be in their situation. Plus, they could be avoiding the much-needed help friends and family could offer.

Frustration and Anger

Debt is frustrating. For some, it can be so frustrating that it makes them angry, especially if the debt is out of their control. Anger may arise if the debt was a result of losing a job, an unexpected expense, identity theft, or a serious illness or accident. Frustration tends to come when the debt is from previous years that you wish you wouldn’t have done. Either way though, this mentality won’t help your situation.  You may need to seriously consider your bankruptcy options.

Fear

When you live in debt, fear tends to be a common emotion that many feel. It’s the fear of wondering if you’ll be able to make your payments, pay for your mortgage or rent, put food on the table, ensure there is hot water and electricity in your home, or falling into bankruptcy.

Debt brings up many worries and the deeper in you go, the more the fear becomes apparent. Other fears can arise like the fear of wondering what you’ll do next, how you’ll get out of it, what people will think of you, and if you’ll be able to survive your debt.

If you’re struggling with debt, it’s essential that you watch how it is affecting your emotional and mental well being. The stress of debt can quickly take over your life. However, if you can avoid that from happening, you’ll be able to tackle your debt with a clear mind.  Bankruptcy can often clear the decks of almost all debt and give you a fresh start in life, and with your life’s well being.

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Your 2019 Financial Resolutions to Get On Top of Your Debts

Making New Year’s resolutions can be challenging. Where do you start and what should it be about? Some popular resolutions revolve around finances – make more money, pay off the credit card, get out of debt, and another similar turn the corner ideas.

If you are struggling financially and worried about filing for bankruptcy, consider making a New Year’s resolution to help you take control of your debt.

Although when in doubt, there is your top bankruptcy attorney in Scottsdale, the lawyers do not always intend to file for bankruptcy for every client. Consider making some of the following financial resolutions to help you get on top of your debt.

Learn More About Finances

Make a New Year’s resolution to improve your financial literacy. The more you understand finances and how money, budgeting, investing, and debt work, the better off you can become.

The internet has tons of blogs that seek to help you take control of your finances. Browse through some that offer information to teach you about finances, rather than provide band-aid solutions to a single problem.

Start a Budget

If you are struggling with debt, you have likely heard the word budget from time to time. That is because a budget is one of the best ways to give you a snapshot of your actual financial situation. A budget shows you how much money you bring in each month and where you are spending it all each month.

To start a budget, write down your total monthly income after taxes. Then, begin to create expense categories. First, write out your fixed expenses (rent or mortgage, insurances, utility bills, and anything else that stays the same or similar each month), then move to your variable expenses (the ones that change month to month like entertainment or dining out). Be specific and honest with your categories.  Keep track of the spending on your phone or on a small notebook in your car.  Every dollar.

Increase Your Monthly Income

Another good resolution to help with debt is to aim at increasing your monthly income. It could be as little as $100 a month or up to $1,000. No matter what the number is though, make sure it’s realistic for you.

There are many side gigs you can do on top of your full-time job. You can get into some freelance work, teach students on the side (for example, guitar or piano lessons), or if you have a hobby in which you create things, you could start selling them.  You can drive for Uber or Lyft a few nights a week, for example.

Set Up a Savings or Emergency Account

Even though if you are in debt and you want to retire it quickly; it’s important that you have an emergency fund. That money is not there for whenever you want it. It’s there for when you absolutely need it.

Ask yourself if you could afford a $500 unexpected expense right now. Would you be okay, or would it push you even farther into debt? Either way, it’s in your best interest to start setting aside small amounts of money each month into an emergency account.

Target a Certain Debt

If you have multiple debts, one of your resolutions could be to target a particular debt. Instead of making the minimum payments on each debt every month, bump up the amount you pay for one debt that has the highest interest rate.

Take the debt with the highest interest rate and make that your primary target first. With the other debt, keep up with the minimum payments. Once you pay off the debt with the largest interest rate, that money can go towards the next debt, and so on. It will turn into a snowball effect until you have everything paid off.  It might take years to get there, but at least you will be on the path to paying everything off and avoiding bankruptcy.

bankruptcy, bankruptcy attorneys, Filing Bankruptcy in Scottsdale, Scottsdale Bankruptcy Attorney
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4 Tips for Handling a Divorce While Working

Going through a divorce can affect all aspects of your life. It can be mentally draining, financially challenging, and even seep into your work life. Although you try your best to leave life at home at the door and enter into your professional mindset, if you’re going through a divorce, it’s likely going to be brought into the office at some point.

It’s important that you know how to handle a divorce while you are working. By getting ahead of the game and preparing for anything, you’ll be able to better manage each curveball or tough day that may come. To help prepare you, here are a few tips from your divorce lawyer in Scottsdale for handling your divorce while working full time.

Inform Your Boss

You don’t want to leave your boss in the dark about anything going on in your life that could affect your mental health and daily work performance. Since divorce can be mentally draining, it could interfere with your daily tasks at work. From phone calls to meetings and even court dates, those will all interfere with work at some point.  Be honest and transparent with your employer.

Inform your boss that you are going through a divorce. This is a life-changing event that your boss can help you with on the working end of things. No one says you have to pour your heart out and go into detail about what happened. However, informing him or her of the situation, that you may require some schedule flexibility to attend any court-imposed obligations, all while you are still committed to your own work responsibilities.

Speak With Any Officemates or Teammates

If you work closely with a co-worker, whether it be on projects or sharing an office, you should also inform them of what is happening in your life. Preparing them for any mood changes, more phone calls, and unexpected appointments, or having to take a mental health day, they will be able to handle the situation more delicately.

Anyone you work closely with, you don’t want to leave them in the dark. By letting them know of your pending divorce, you can lean on them if needed. If you fall behind, they’ll have a better understanding of what is going on and be able to help you out.

Speak With HR

Going through a divorce will likely affect work because of your insurance and retirement plans. All of this information will come from your HR department. Once you know the divorce is happening, sit down with HR and go through the details of any plans and coverages that will need changing later on or retirement account balances that may need to be split with your spouse.

Keep Personal Feelings at Home

Although you’ll likely have conversations here and there about the divorce and how you’re feeling, you should keep your personal feelings at home as best as you can. This means that you should avoid any negative comments of your spouse and anything that could make people feel uncomfortable. If you do not want to go into detail, make sure your coworkers know that you prefer to keep things private.

Do not let your pending divorce take over your work. Think of your job as an escape from the stress at home. However, there will come a time when the divorce process may interfere with work. By keeping on top of things and informing your boss and coworkers of what is going on, you can help make the process go as smoothly as possible.  Transparency and truth, tempered with your discretion and professional judgment, is a careful balancing act.

Divorce Attorney, Divorce attorneys Scottsdale, Divorced Parents, Scottsdale Divorce
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4 Steps to Take to Avoid Filing for Bankruptcy Again

Going through bankruptcy is a stressful time. Although the stigma around bankruptcy and how we view it is changing, it is still something that many people are ashamed of. For some, going bankrupt was the result of a job loss or medical crisis they could not afford to pay back. But for others, bankruptcy is the result of overspending. No matter the reason though, bankruptcy tends to be the last option for families or businesses.

Sometimes, even after filing for bankruptcy and going through all the qualifications to continue, there may come the point when a second bankruptcy case is looking like the only option. If this is the case, you likely wouldn’t want to go through the process all over again.

There is a lot of bankruptcy help in Scottsdale if you find yourself in that position. However, there are steps you can take before possibly pursuing a second bankruptcy claim that could help get your debt under control.

Speak With Your Creditors

Just as much as you do not want to file for bankruptcy, neither do your creditors. When you claim bankruptcy, the creditors do not get the same amount of money as they would if you were paying the debt. You may be able to use that to your advantage.

Speak with your creditors and anyone else you owe money to. See if they would be willing to negotiate a payment plan or giving you a few extra grace months until you can gather enough money.

Sell Assets

If you are filing for bankruptcy again, it’s because you don’t have enough money. One way to bring in quick cash is by selling assets. The more you can sell, the more cash you can bring in.

Go through your home and see what items you have that you no longer use or need. It could be clothing, jewelry, artifacts, even a car. Make a list of what you could sell and see if it’s something you can live without.

Take a Second Job

If you are really close to filing for bankruptcy, it may be time to look for another job. The more money you can bring in, the quicker you can pay off your debts to avoid bankruptcy. Although taking on another job is not the most popular step to take, it could bring in enough additional income that you could get straightened out with your creditors.

Ask for Help

If you have exhausted all other avenues and are not sure what else to do, it may be time to ask for some help. Many find this embarrassing the first time, and likely more embarrassing the second time. However, if you can negotiate a loan from a friend or family member, it could be exactly what you need to put the idea of bankruptcy out of your head.

In the end, there is no quick solution to avoid bankruptcy. You will need to find ways to increase your income and reduce your expenses to help get you back on your feet. Work with a budget to keep track of your finances, and to help prevent you from falling into this situation again in the future.

bankruptcy, bankruptcy attorneys, Scottsdale Bankruptcy Attorney, Scottsdale Bankruptcy Lawyer
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Why You Should Not File for Bankruptcy

In some circumstances, filing for bankruptcy is the only solution to deal with your financial crisis. For others though, bankruptcy is actually a bad idea and should be avoided.

Each situation will be different, depending on how much debt you have and what kind of debt it is. It’s essential that you seriously think about the benefits and downfalls of bankruptcy, and see if it is the best solution for your current situation.

Your top bankruptcy attorney in Scottsdale is ready to help you with all of your bankruptcy needs. First, though, see if your reason for bankruptcy is a good one.

Cannot Pay Small, Unsecured Debt

Unsecured debt is commonly known as past due to credit cards. It’s debt that has no outstanding collateral for the credit card company to seize from you. That means the lender lets you spend as much as you want without tendering any security in case you default on the loan. If you do default on your payments, there is nothing for the lender to repossess.  While they certainly can sue you, that again only gets them a judgment.  Eventually, that judgment will likely lead to garnishment of your banking accounts and a paycheck.

This isn’t to say that you can stop paying small loans and you’ll be fine. There are still issues involving your credit and the chance of the lender suing you in court. However, this is not a good reason to claim bankruptcy. In many cases, you or your bankruptcy lawyer can negotiate with the lender to set up a payment plan that works for you, or to pay a lump sum to clear up the debt.

There are also occasions in which the lender may write off your debt as uncollectable, but that isn’t a solution to rely on.

Student Loans, Income Tax, Court Judgment, or Child Support

Bankruptcy doesn’t necessarily erase all of your loans. In some cases, bankruptcy won’t help you with certain loans. Depending on what you owe, each situation is treated individually.

Filing for bankruptcy for debt like student loans, income taxes owed, certain court fines or penalties and child support won’t do you any good. There may be extreme cases when bankruptcy can quash this kind of debt. For the most part, though, bankruptcy can’t do anything about these types of debt.

Stop Collection Agencies from Calling

If you are wary of collection agencies calling you all the time, there’s an easier way to make them stop than filing for bankruptcy. Through the Fair Debt Collection Practices Act (FDCPA), if you request them to stop calling, they must oblige under federal law.

Send a written letter to the collection agency stating you do not want them to contact you anymore. If they continue to call after your request, keep a record of the phone calls, you can sue the collections agency later and potentially collect damages and fees.

Want to Restart

If you’re looking at bankruptcy as an easy way out of your debt, you may want to reconsider that mindset. For starters, there will be certain debts as we mentioned that will never go away after filing for bankruptcy.

Filing for bankruptcy is also hard on your credit. Bankruptcy remains on your credit record for up to ten years. That means if you want to take out a loan for a new vehicle or a mortgage, you may have a hard time being approved for many years to come.

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Rediscover Yourself After a Divorce

Going through a divorce is no easy matter. It’s emotionally, mentally, and even physically draining. It’s easy to find yourself alone and wondering what went wrong that got you to this point.

One of the hardest parts of a divorce comes after signing the papers – rediscovering who you are. Many find themselves asking this question after years of putting other’s needs before their own. One is left wondering who they are and what they are going to do next with their life.

Whether you commenced the divorce or not, this new phase in your life can be looked at like a fresh start. Between your divorce attorney in Scottsdale, your friends, and your family, all of them can help you along your journey of rediscovering yourself after dissolution.

Get Lots of Rest and Recover

The first thing you should do is take some time to rest. You are likely to go through the grief process because the truth is, you’re losing many things as you go through a divorce.  Many years or decades may have been shared with your former partner. After final separation, you are likely to mourn the loss of that past life.

Give yourself time to go through the grief process and to rest. You will need to have the energy and peace to get yourself back up on your feet.  Think twice about dating new people right away.  Do not rush into the dating market.  You need to reset your internal clock and moral compass first.

Connect With Your Old Self

Change happens when you are with a partner for a long time. You start to pick up your spouse’s traits and sometimes have to give up ones too.  Not only that, many find themselves falling out of touch with certain hobbies and activities they used to enjoy before getting married.

After the dissolution, use this time to reconnect with your old self before marriage. What were your hobbies and favorite activities? What were you good at and what did you want to get better at? Start getting back in touch with the things you love.

Reconnect With Anything Given Up

As mentioned, there is likely something you would have not given up before entering a marriage. Maybe your spouse was allergic to pets, and you always had a dog around. There could have been a hobby you enjoyed that your partner didn’t. The things you used to love but have not looked at in quite some time, maybe a place to refocus your new time and energy now that you no longer have a life partner.

Try New Things

Not only are you rediscovering who you were after a divorce, but it is also a time to try new things. It could be anything that you’ve wanted to try, but never did when you were married. Make a list of all of the activities and adventures you wanted and start working through them.

Surround Yourself With Love

In the end, one of the best ways to rediscover yourself after a divorce is to surround yourself with friends and family that know you best. You may have found yourself becoming distant while going through the divorce process. Your friends likely don’t want to pick sides, or you don’t want to put them in that situation. However with the case now over, keeping in touch with your friends will help keep you uplifted, avoid the feeling of loneliness, and help get you back to the self you have missed for so many years.

Divorce & Legal Separation, Divorce Attorney, Divorce attorneys Scottsdale, Divorced Parents
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My Workplace is Going Bankrupt – What Do I Do?

When a business goes bankrupt it, it isn’t the management and owner who tends to get hit the hardest. Instead, it is the on the ground workers who are more likely to feel the hit the hardest.

Higher paid employees like management who would know more about the bankruptcy likely have enough money saved up that they can get by. For entry-level employees and those not in management, however, chances are they won’t be as well off.

If you fall into this category and your business is going bankrupt, it can be a scary time. You are likely wondering what will happen to you. Will you still have a job? Are the bills going to pile up and will you have to file for bankruptcy yourself?

We want to provide you with the best bankruptcy help in Scottsdale. So, if your company is going bankrupt, as an employee, here is what you should know.

It depends on the Type of Bankruptcy

There are two types of bankruptcy claims that a business can go through. Depending on which one is being processed, will determine what happens to you as the employee.

If your company is filing for Chapter 11, the business is asking help from the courts to repay creditors and sell off assets. There is a chance you could get laid off as they go through cost-cutting measures. On the other side, the employer may retain all positions, but written employment contracts may be up for renegotiation that could not end well in your favor.

If your company is filing for Chapter 7 though, this is the liquidation of the entire business, meaning the company’s existence comes to an end. Most likely all employees will be out of a job after the end of the liquidation and the bankruptcy concludes.

Unpaid Wages Will Get Paid Out

If you get laid off due to the bankruptcy liquidation, any wages you’ve earned that has not been paid will be treated as a debt owed from the employer. There is a cap for wages, and salary earned up to 180 days before bankruptcy.

You cannot guarantee payment, however. In the Fair Labor Standards Act, unpaid wages are not covered. This means if there are not enough assets to pay for all of the unpaid wages, you may not receive anything at all.

You May Lose Your Pension

Most likely your employee pension plan will get terminated in the event of a liquidation. There was, though, the Pension Benefit Guaranty Corporation (PBGC) put in place to protect private sector workers. So, if your employer cannot pay your benefits, the PBGC will help out to fill the gap in pension assets. 

Vacation Pay

If you have accrued vacation days, they will fall into unpaid wages. This means you are likely to get compensated for them. However, once again, you cannot guarantee that you will receive your payout. The labor laws differ from state to state.

These are a few of the things to look out for if your company is filing for bankruptcy. If handled well, you could still be compensated for any unpaid wages, pensions, benefits, and vacation days after discharge. However, there is always the risk that you will receive nothing if the company cannot come up with enough money to pay their debts and your owed wages.

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Four Tips to Help When You Want to Ask for a Divorce

No matter how much work you put into a marriage, some ultimately will end in divorce. You’ve done everything you can. The two of you have sought out help and done what is asked. In the end though, no matter what you do, the two of you can’t seem to get along.

If the word divorce is going through your mind, it can be a scary topic to discuss. How do you bring it up to your partner without causing a war? There’s no easy way to ask someone for a divorce. With a little bit of preparation and empathy, however, you can bring up the topic without causing too much stress on your partner.

Your divorce attorney in Scottsdale is here to help you with all of your legal matters when ending a marriage.

Prepare Yourself

The first thing you want to do is prepare yourself for the conversation. It would help if you were confident in your decision and that it is the best option for both of you.

Ask yourself why you want a divorce in the first place. Use this reason as a way to explain it to your partner. Then, try and put yourself in his or her shoes and come up with different questions he or she may have. The more answers you have, the better you can explain the situation clearly to your partner.

Talk in an Appropriate Environment

There are a time and a place for having a conversation about divorce. Timing is crucial when delivering this type of news. Of course, there is no perfect time for having a conversation about divorce. There are though, times that are more appropriate than others.

You wouldn’t’ want to bring up a divorce if your partner recently underwent a stressful situation or had some kind of trauma. That could make an already stressful situation even worse.

Choose a place that is private and where there are minimal distractions and stressors. The more calming and comfortable the environment is, the better chance you have for the discussion to go more smoothly.

Own Your Decision

Unless this isn’t the first time the word divorce has come up, your spouse is likely to feel caught off guard. How you deliver the message will determine the rest of the conversation.

You want to own your decision. Be clear that you have made up your mind and that this is what you want. Be firm as you talk, yet gentle and empathetic towards your partner. Being rude and getting upset will only make things worse.

Get Professional Help

After the divorce conversation, there will be many emotions between the two of you. The best way to handle them is for each of you to seek out professional help. Speaking with a divorce coach or a counselor will help you deal with your emotions and heartbreak so that you can move forward with the process in a healthy way.

There is no easy way to ask your spouse for a divorce. However, they cannot force you to remain married if you want out.  Either spouse can seek divorce at any time.  However, you can prepare yourself for the conversation. Keep your partner’s emotions in mind when delivering the news. Try and put yourself in his or her shoes so you can understand how they might react. The more peaceful the conversation, the better off everyone will be.  They deserve care and respect, they were once your life partner.

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4 Steps to Get Your Business on Track After Filing for Bankruptcy

Bankruptcy is a dreaded word by not just business owners, but families as well. It is not something that people want to go through, but it is the reality for many. With a business, sometimes you can put in all the hard work in the world but still end up filing for bankruptcy.

When starting a business, 30% will fail during the first two years. That number increases to 50% in the first five years, and 66% in the first 10 years. Only 25% will actually make it to at least 15 years.

With these stark statistics, there’s a likely chance that a new business may end up filing for bankruptcy. If that is the case, can your business survive, and if it does, can you get it back on track?

Getting the top bankruptcy attorneys in Scottsdale is one step to take. After that, consider some of the following points to help you get your business back on track.

Determine Which Type of Bankruptcy You’re Filing For

Depending on which bankruptcy you end up choosing to file, whether it be Chapter 7, Chapter 13, or Chapter 11, the case will significantly impact the outcome for your business.

For Chapter 7, your entire business is liquidated and sold off. You would then have to start over from scratch. In contrast, Chapter 13 bankruptcy will affect your company, but you will still have the debt to deal with. With Chapter 11 though, your business will continue to operate daily as your case pushes through the bankruptcy process and a reorganization plan is approved.

Understand What Went Wrong

One of the most important things to focus on after going through the bankruptcy process is to determine what went wrong. One of failure’s benefits is that it’s an opportunity to learn and grow. Take a look at your prior business plan and make essential notes of which parts went wrong that caused you to go into bankruptcy.

Build Your Credit Back Up

One of the hardest things about bankruptcy is that your credit score takes a significant hit. That number is essential if you need to file for a loan to start your business back up again.

Work towards building your credit back up. Start by paying all of your bills and credit cards on time. The more diligent you are about any remaining debt and paying it off, the more favorable outcome it will have on your credit score.

Find Another Source of Revenue

If your business can continue while you are going through bankruptcy, find additional ways to bring in more money. The reason you went into bankruptcy is that you lacked money. So, if you can find other ways to increase your monthly revenue, you’ll have more money to put towards your debt and to keep your business running.

Don’t look at bankruptcy as the end of an era. Instead, consider it as a second act— the new chance to get your company back up and running smoothly once more. It will take a lot of hard work and dedication, but a business can survive and thrive after filing for bankruptcy.

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What to Think of Before Marriage – Should You Get a Prenup?

Prenuptial, it isn’t the most pleasant conversation to have while planning out your wedding. For many cases though, a prenup is essential to have. For others though, they can just as easily do without one.

A prenuptial agreement is a legal document that predetermines someone’s property holdings before marriage. The purpose is that someone is ensuring the disposition of the property in case the marriage ends in divorce. Not only that, but it also protects one spouse from the other spouse’s debt if they have any prior to marriage.

How do you know you should get a prenup before marrying? It varies couple to couple, depending on their financial situation, investment account levels, and anything one feels that it should belong to them regardless of whether the marriage survives. However, there are a few important guidelines to consider.

If you’re wondering about prenuptial and other legal matters around marriage, contact your divorce lawyer in Scottsdale for information.

A Prenup Can Usually Speed Up the Divorce Process

Although you don’t enter a marriage with the intent of getting divorced, it can be beneficial to know that a prenup can speed up the process just in case. Without one, you’re likely to spend months in the courtroom discussing legal matters, marital property allocations, and having to decide who gets what.

By signing a prenup, you won’t have to go through the fighting and arguing over the property. Instead, you can simply the matter and move on with your life a lot quicker.

You Can Reach a Fair Deal

Unless your divorce is uncontested and mutual and the two of you can easily agree on who gets what, deciding who gets certain properties from the marriage can be time-consuming, challenging, and frustrating. This is when a divorce can get real ugly quick.
A prenup, if deemed valid by the Court, saves you from all of this. The legal document helps you and your spouse reach a fair arrangement in case of a divorce, usually in a swift and rapid manner.

Protects You From Debt

In today’s world, debt is more common than ever. Signing a prenup can protect you from your spouse’s debt that he or she incurred before the marriage. The legal document will outline what happens with the debt if a divorce occurs. If the debt was not your debt, to begin with, it could save you a lot of money in the long run.

The Downside to a Prenup

One of the most obvious downsides to a prenup is the lack of romance they instill. They can cause issues in a relationship. The partner being asked to sign a prenup may feel like the other partner may not trust him or her. This lack of trust could continue and end up damaging the relationship beyond repair.

Another reason is that many feel a prenup is basically a plan for heading to an ultimate divorce. When someone asks for a prenup, they may not believe the marriage will last. Again, this can cause issues in the relationship, whether or not the person asking for the prenup believes this.

Before asking for a prenup, seriously think about whether or not your situation needs one. Asking for one when the other partner doesn’t agree on it could end up being a deal breaker before the wedding even happens. Prenups provide protection and help settle the worst case scenario, but they can also bring up unpleasant feelings and you may lose your fiancé.

Family Law, Family Law Attorney, Prenups in Scottsdale, prenuptial agreement
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