Canterbury Law Group, Author at Canterbury Law Group

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Written by Canterbury Law Group

7 March 2017

Tips on Filing for Bankruptcy

Many people opt to file for bankruptcy when their income isn’t sufficient to repay creditors. Certain types of bankruptcy filings can lead to elimination of at least some or all debt and a halt for collection calls. While bankruptcy can be devastating emotionally, it does have many benefits. If you are planning on applying for bankruptcy, here are several useful tips to know about:

Learn About the Different Types of Bankruptcy

There are several different types of bankruptcy. The two main types many people know about are Chapter 7 and Chapter 13. Chapter 7 eliminates virtually all debt, especially from unsecured loans. Chapter 13 is used to come up with a court-approved plan to partially repay all debt in 3 to 5 years. You will have to learn about what each type entails and which type of bankruptcy is best suited for you. Before you file your case, you will have to learn about the law a bit first.

Hire a Lawyer

It’s virtually impossible to file for bankruptcy without a lawyer. The body of law in this area is muddled and complicated so you will really need an experienced attorney. Hire a lawyer from the county you live in, for example a bankruptcy attorney in Scottsdale. It’s best to consult with an attorney before you decide to proceed with a court filing. Your attorney will tell you how to fill out the legal documents and what evidence to present in court. Attorneys are necessary because, in some cases, creditors have the right to sue you back. A lawyer may be able to intervene and reduce the risk of this.

Understand Your State Laws

Bankruptcy law differs from state to state. How many of your assets you can keep, or how much debt will be discharged will depend on the law in your state. Therefore, it’s very important that you understand the rules and guidelines set forth in the state of your residence. You can get expert help too. For example, you can ask a local bankruptcy lawyer in Scottsdale for state laws in Arizona.

Bankruptcy Does Not Get Everyone off the Hook for Debt

Filing for bankruptcy often removes the obligation of a single debtor to a creditor. This does not apply to others responsible for the same debt, such as the other joint account holder or a co-signer. If there’s credit card debt, then all the people formally responsible for that account will have to pay. When you file for bankruptcy, the other person could end up being solely responsible for the debt. You may want to think in advance to avoid this scenario. Ask your lawyer for the best course of action.

Inform All the Creditors

You will have to inform all your creditors that you are filing for bankruptcy, not just the creditors responsible for the overwhelming debts. In some states, it’s required by law. When you are in the process for filing for bankruptcy, you must inform all debt collection callers of the situation and provide the name of the attorney handling the case so the calls can stop.

Bankruptcy need not be expensive and emotionally draining. Follow the above tips to make it less so.

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Regular Post

Written by Canterbury Law Group

2 March 2017

SB 1121 Makes It’s Way Through the Legislature… But Hold On!

SB 1121 was introduced in the Arizona Senate and having passed it is now in the House of Representatives. But what does it intend to do? The bill heading to the House of Representatives is certified qualified applicators fingerprinting requirements. But when you read the text of the SB 1121 Bill it states:

AN INDIVIDUAL WHO APPLIES FOR CERTIFICATION AS A NEW QUALIFIED APPLICATOR SHALL SUBMIT TO THE DIVISION A FULL SET OF FINGERPRINTS AND

FEES AS REQUIRED BY SECTION 41-1750. THE DIRECTOR SHALL SUBMIT THE

FINGERPRINTS AND FEES TO THE DEPARTMENT OF PUBLIC SAFETY FOR THE PURPOSE OF OBTAINING A STATE AND FEDERAL CRIMINAL RECORDS CHECK PURSUANT TO SECTION 41-1750 AND PUBLIC LAW 92-544. THE DEPARTMENT OF PUBLIC SAFETY MAY EXCHANGE THIS FINGERPRINT DATA WITH THE FEDERAL BUREAU OF INVESTIGATION.

So to whom does this apply? The law draws a distinction between a certified applicator and a certified qualified applicator. Here are the relevant definitions:

“Certified applicator” means an individual who is licensed by the division to provide pest management services in accordance with this chapter.

“Certified qualified applicator” means a certified applicator who is eligible to act as a qualifying party.

But, the law does not define qualified applicator. It defines certified qualified applicator and certified applicator but now we are faced with a requirement for the qualified applicator. This writer believes the bills intends to apply to certified qualified applicators or those we used to call qualifying parties who first apply. However, it is not clear. The industry needs clarification. Confusion such as this can lead to different results. One result is that only Certified Qualified Applicators who apply must get fingerprinted. But another possible result is that all applicators who first apply must be fingerprinted. We want to clarify this so the industry can act in accordance with the law. This kind of confusion can lead to enforcement with little direction. Must you fingerprint all applicator candidates of only CQA’s?

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Regular Post

Written by Canterbury Law Group

27 February 2017

Family Law and Child Custody Information

Determining the custody of a child when divorcing is not easy. Child custody and the related laws are largely determined by state law, though certain federal policies may apply. Here are some basic facts to know about child custody if you are filing for a divorce:

Working out the Custody of a Child

There are two ways to decide which parent gets custody: by trial or private mutual negotiation outside of court. Some parents who divorce amicably can discuss among themselves regarding with whom the child may live after the divorce, and who can visit and when. Divorcing couples can also hire a third party mediator to ensure that these discussions go well. If the parents are unable to reach a mutual agreement, then the case would go to trial where a judge (not a jury) will decide custody and visitation rights.

Types of Custody

There are different types of custody family courts grant.

Physical custody: Also known as “parenting time”, this is the type of custody that decides which parent the child lives with majority of the time. Courts usually grant physical custody to both parents on a joint and equal basis absent parental fitness issues.

Legal custody: Also known as “legal decision making”, if the court has already appointed a physical custodian, then the other parent might get legal custody. It’s the right of a parent to make decisions about the child’s welfare, education, health, religion even when the child is not living with him or her.

Joint custody: This is an arrangement where the child spends equal amounts of time with both parents following a divorce. There are both proponents and detractors of this type of custody. It’s ultimately something the divorcing parents have to decide. Getting joint custody requires showing cooperation between the divorcing couple and the willingness to make decisions about the child’s welfare together.

Split custody: If the divorcing parents have multiple children, the court may decide to “split” up the custody of the children among the parents. For example, if there are two children, the court may grant custody of one child to only one parent. Courts, however, do not usually separate siblings in this manner.

To determine the type of custody best suited for your case, you will need an attorney’s help. Hire a local attorney from your county, for example family Law help in Scottsdale if you live in Arizona.

Unmarried Parents

Not only divorcing parents need to decide the custody of the child. There are different laws that determine the custody of the child if the parents are unmarried. Most states have laws requiring the granting of physical custody to the biological mother of the child as long as the mother is fit to be a good parent. Unmarried fathers often do not get custody of the child, but Fathers are typically preferred for custody over other relatives like grandparents, or prospective foster or adoptive parents. Unmarried parents can sometimes be awarded 50/50 custody. Every case is different.

How Custody is Granted

The courts take into account various factors when granting custody. Mainly, the court will decide which parent is best suited to be a child’s main caretaker. The child’s wellbeing is always considered above the desires of the parents or others who have filed for custody.

Different states evaluate the “best interest” standard differently. But, most take into consideration the mental and physical fitness of the parents, the child’s relationship to parents or others in the household, the need for a stable home, religious or cultural issues at play, the child’s treatment at the hands of parents, possible history of abuse, and so on. If the child is old enough, his or her wishes will also be taken into consideration. Each state has different rules of how old a child must be before his or her ‘wishes’ regarding custody will be heard by the Court.

The parents in any case should hire a good attorney to prove to the court that they are the most fit to be the child’s primary caretaker. It will be up to you to protect your parental rights, as the courts will prioritize the child’s.

Regular Post

Written by Canterbury Law Group

20 February 2017

Preparing for Divorce in the New Year

The Scottsdale divorce lawyers at Canterbury Law Group have represented hundreds of clients in Scottsdale divorce cases. Although every case is unique, there are certain steps that every potential divorcee should take:

Do not try to hurt your soon-to-be ex – Do not let your emptions get the best of you. Especially if you and your spouse have children together, you need to try to take the higher road and attempt to part on decent terms. The court may frown upon any type of negativity or drastic misconduct against the other spouse.
Confidently know your joint finances – It is estimated that 40% of divorce proceedings are about money. Be well informed in advance about your shared accounts. Specifically, you should know all online passwords to bank accounts, which accounts have automatic payments and where money is invested, including the names of all accounts, the account numbers and the investment advisors. Many times one spouse knows everything and the other spouse knows nothing about finances. The law provides that both spouses be provided 100% financial disclosures while the divorce is pending.
Find a trusted legal team – A lawyer who is knowledgeable in family law in your state can likely get you a better settlement because they understand the state-law nuances and understand local judges’ tendencies and opposing lawyers. If you and your spouse have complicated family assets, you likely need a legal team with additional expertise. Take into consideration every possible avenue and plan accordingly.
Know your future living expenses – Your future financial well-being should be your top priority. Thoroughly understand your current cost of living before the divorce proceedings start, so you can ask for a fair amount in the divorce settlement.
Also remember that anything written online about an ex-spouse will exist forever—when the children are old enough to read. Although you may be hurt now, you don’t want to hurt your children even more in the future. Texts and emails can also be used against you at trial. Think twice before hitting ‘send’ on that nasty message to your spouse.

The Scottsdale divorce attorneys at Canterbury Law Group have represented women and men, young and old, in their complicated and simple divorce cases. To discuss your options in a Scottsdale divorce, call today to schedule a consultation. 480-744-7711.

Regular Post

Written by Canterbury Law Group

14 February 2017

Obtaining a Restraining Order in Arizona

The Scottsdale family law attorneys at Canterbury Law Group have expertise on Arizona protective orders. According to our state law, protective orders can be issued against a person for reasons including making repeated unwanted phone calls, emails, texts, physically injuring a person, threatening physical injury, trespassing on a person’s property or sending a person unsolicited and constant messages.

If you are in need of a restraining order, call us immediately. If someone you know may need protective help, here is some information to consider:

Restraining orders are often issued to abusers that have recently lived in the household of another or who have lived in the same household as the victim in the past. Household members could be but are not necessarily limited to ex-spouses, ex-partners, past boyfriends or girlfriends, siblings, children or parents.
There is a legal procedure for obtaining a restraining order in the state of Arizona including requiring the victim to complete legal forms. Canterbury Law Group helps clients navigate these often- tedious legal forms. Afterwards, a hearing is conducted to determine if a restraining order is indeed necessary.
Arizona restraining order laws cover a wide variety of issues. Some are more temporary than others, and the exact length of time of each order which is granted depends upon the severity of the facts of the case.
According to Arizona restraining order laws, it is possible for another person to file a restraining order on a victim’s behalf. This can be done if the victim is incapacitated as a result of injury not necessarily directly related to the abuse and/or if the victim is a minor and the parent or guardian wishes to file. A person can file for another person if the person desiring the order is in some other way temporarily or permanently unable to file for the order.

If you are dealing with a restraining order or are thinking of filing for one, contact Canterbury Law Group today. Our dedicated litigation attorneys in Scottsdale will ensure thorough preparation for your restraining order and help you navigate the legal issues that arise. If you seek to quash an order issued against you, the firm is equally well versed in defending protective orders.

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Regular Post

Written by Canterbury Law Group

6 February 2017

Tips to Avoid Losing Money in the New Year

The Scottsdale lawyers at Canterbury Law Group are authorities in bankruptcy matters. As we enter the New Year, we realize that many Scottsdale residents are trying to improve their financial affairs. Unfortunately the world is full of opportunities for you to give up your hard-earned money unwisely. Becoming an informed consumer is a big step toward avoiding these minefields—and developing the financial power that will keep you out of debt troubles.

Here are some tips for today on how to avoid money traps.

Avoid the “Free” Trial Offer – Ever wonder why businesses are willing to offer that free trial? Sure, it may build customer loyalty and maybe you’ll happily become a repeat buyer. But companies know that many of us will never read the fine print and the vendors typically make no attempt to remind us when the free period is over. Instead your “free” subscription or service converts to a paid one. You are left with an unwanted monthly expense and now they have a steady revenue stream. It is often challenging, if not impossible, to terminate these subscriptions.

Skip upgrades and add-ons – Upgrades at fast food, electronics, retailers and car dealerships make for huge profits so companies really push them. To avoid this trap, do your homework. Know ahead of time what you really want. For example, quiz your insurance agent about how much your own insurance covers you in a rental car. If you later decide an extended warranty or other add-on is appropriate, fine. If not, just say NO. And stick to it.

Don’t co-sign for others – Remember, your best friend or family member can lose their job, and when they do that car will be repossessed and the bank will be coming after you—for the entire unpaid balance.

Filing bankruptcy can seem overwhelming. However, at Canterbury Law Group, we will represent you through the entire process and fight diligently to secure your fresh financial start. Call us today to schedule your consultation. We can put you on the path to reach financial success!

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Regular Post

Written by Canterbury Law Group

30 January 2017

Growing Trend of Prenups in 2017

The family law attorneys at Canterbury Law Group suggest soon-to-be married couples hire counsel and obtain a prenuptial agreement before saying “I Do.” Prenups are actually very common amongst all ages and classes of Americans, and they are set to increase in popularity even more through 2017.

Prenuptial agreements are a smart investment as they can provide important advantages for both spouses. Thanks partially to the drama in Hollywood, many people think negatively when they hear the term “prenuptial agreement.” However, this is not always an accurate portrayal. In fact, prenups are used by both parties in a marriage to plan for the future and arrange things legally that can be mutually beneficial to both spouses. Whether you have a business, inheritance or children to protect, a prenup is the best bet.

If you may be interested in getting a prenup, here are expert tips from our law team:

Do not wait until the last minute – Begin the prenuptial agreement process six months to one year before your actual wedding date to ensure that both parties have ample time to review it and to retain separate legal counsel. Last-minute contracts are much harder to enforce later. It may also make your soon-to-be spouse nervous if you wait too long to discuss these options.

Do not let your emotions lead. The emotions of falling in love can alter reality, so be sure to work with trusted legal advisers on the agreement. You must protect yourself and your future from possible hardships.

Make your prenuptial agreement realistic and legal. The goal is to have a contract that is enforceable and provide each spouse with an understanding of what they will get if the marriage ends. A good legal team will help you understand all aspects and options.

Research your state’s law regarding marriage and property. Marriage property laws are different from state to state. Canterbury Law Group can help you understand the laws in Arizona, Nevada and California for prenuptial agreements.

If you need prenuptial agreement help in Scottsdale, Contact Canterbury Law Group today to schedule a consultation. We can help you secure your future.

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Regular Post

Written by Canterbury Law Group

25 January 2017

Child Custody Questions in Scottsdale

There is typically an increase in divorces in the New Year. The Scottsdale divorce lawyers at Canterbury Law Group know that divorce often brings about child custody concerns. A popular question in Scottsdale divorce cases is whether or not a parent can take a child away from the other parent if there is currently no legal decision-making and parenting time orders in place.

In Arizona, a person can be charged with the crime of custodial interference even before there is a court order regarding legal decision-making and parenting time or if he/ she takes, entices (persuades) or withholds any child from the other parent and denies that parent access to any child. If the parent takes the child(ren) to another state, the penalties are even more severe.

However, there are some exceptions in the law, which involve a case where the parent has filed an emergency petition regarding custodial rights with the superior court and has received a hearing date from the court. The law is complicated and the risks are high, so the best option is to get the advice of a lawyer before leaving with your child if at all possible. You should never leave the state with your children without first speaking to a licensed attorney.

If a domestic violence victim is accused of wrongfully absconding with the children, he/she can seek to counter these allegations by:

He / she has begun the process to get an order of protection or files a petition for legal decision-making within a reasonable period of time and the order of protection or legal decision-making petition states his/her belief that the child was at risk if left with the other parent

The parent either:

has a good faith and reasonable belief that the taking, enticing or withholding of the child is necessary to protect the child from immediate danger; OR
the parent is a victim of domestic violence by the other parent and has a good faith and reasonable belief that the child will be in immediate danger if the child is left with the other parent.

However, it is still best to get legal advice before leaving to make sure that your planned behavior would not violate the law.

The family law attorneys at Canterbury Law Group have significant expertise in child custody issues and can capably guide you through the legal process. Your children are counting on you to make the right decision both before and after the divorce case has been filed. Contact us today to schedule your consultation.

Regular Post

Written by Canterbury Law Group

16 January 2017

Child Custody Tips for the New Year

During the New Year, many parents strive to improve child custody situations. As authorities in Scottsdale child custody, the lawyers at Canterbury Law Group can offer suggestions to help ensure your success:

Be Actively Involved – Make sure you are able to demonstrate that you are significantly involved in your child’s life by taking an active role in the care, development, and discipline of your child. If the child is young, participate in feeding, bathing, walking, reading, napping and medical care. As they grow older, take part in their educational development and extracurricular activities. Get to know your children’s teachers, doctors, counselors, and coaches. Your ability to demonstrate the extent and quality of time with your child prior to and post separation is critical. If the other parent is interfering with your involvement, document your attempts and the resistance that you are receiving.

Establish a Physical Custody Schedule – If you live separately from the other parent, it is critical that you negotiate a physical custody schedule that accurately represents your long-term goal of shared parenting, ideally before a custody petition or court complaint has been filed. If you currently have a visitation agreement, make every effort not to miss any of your scheduled time.

Promote Involvement of the other Parent – Show that you encourage the contact and active involvement between your child and the other parent. Unless clear evidence shows the child is in danger while in their care, the Family Court will frown upon your interference with the child’s relationship to their other parent.

Provide a Healthy, Stable Environment – Present a safe, nurturing and stable environment. Demonstrate that you provide a healthy environment by maintaining a steady, clutter free home with a bedroom for your child and a safe play space. Provide regular, nutritious meals and keep a record of your grocery receipts. Get those kids to bed early and to school on time.

If you need assistance with your custody or joint parenting plan, contact the Phoenix divorce attorneys at Canterbury Law Group! We can help ensure the New Year is enjoyable for all.

Regular Post

Written by Canterbury Law Group

11 January 2017

Tips if Divorce Is Your Resolution in the New Year

If you are considering filing for divorce in the near future, you are not alone. The month of January has long been marked down in the calendars of family law attorneys, including the Scottsdale divorce lawyers at Canterbury Law Group, as “Divorce Month.” In fact, many firms see an increase in the number of consultations upwards of 30 percent beginning the Monday after New Year’s.

While contributing factors vary, the fact remains that many couples will begin this year with a resolution to end their marriage. No matter the reason, there are many things that anyone looking into divorce for the first time needs to know that will help them get through the process smoothly while protecting their rights:

1. Do not move out of the marital home – If you wish to keep yourself in a good position to obtain a fair custody arrangement and also want to mitigate potential financial burdens, do not pack up and move out of the marital home. This is one of the top mistakes that many spouses continue to make, and it can start you off at a disadvantage out of the gate.

2. Research divorce laws for your specific state – There are very few, if any at all, states that have identical laws regarding the various aspects of divorce. You will want to do plenty of research over areas that you know may come up if you and your spouse decide to split specific to your local jurisdiction.

3. Set up a consultation with an attorney – Even if you aren’t certain you will need to retain an attorney or that you will even end up filing for divorce at all, it is a really good idea to meet with an expert familiar with your state’s divorce laws. Many attorneys and firms offer initial consultations, though even when there is a charge, it is well worth the fee to get accurate information you can trust as you plan your next move.
If you’re looking for a Scottsdale divorce attorney and / or family law attorney, contact us today. Any delay can affect your future and the wellbeing of you and your children.

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