Canterbury Law Group, Author at Canterbury Law Group

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Written by Canterbury Law Group

24 August 2016

Important Factors on Bankruptcy Help in Scottsdale

If your financial struggles are becoming overwhelming and the future looks bleak, there are a few things you need to know before filing for bankruptcy.

1. There is No Shame in Filing – If you are considering bankruptcy but your feelings about what type of person you would be to file are stopping you, it’s time to get over it! These days, people from all walks of life file for bankruptcy. You should feel no shame in wanting to solve your financial struggles and get your life back in order. The stigma is in avoiding the problems, hiding from creditors, and not facing the facts – it’s time to fix your finances and turn a new corner.

2. You May Be Able to Keep Your Home – Arizona has well known homestead exemptions that allow you to keep your primary residence. Being forced out of your home is not a reason to avoid filing bankruptcy. The likelihood of losing your home is much greater if you do not file. A Scottsdale bankruptcy attorney can help you make bankruptcy choices that in most cases may permit you to maintain ownership of your home even after your bankruptcy concludes. And in this day and age when so many homeowners are underwater on their mortgage, the likelihood of your home not being included in your bankruptcy is even greater.

3. Bankruptcy is an Investment – If you feel as if you are sinking financially, now is the time to contact a Scottsdale bankruptcy attorney. He or she can help you assess your current situation and get a handle on where you are headed. This will give you some time to save up the money you need to file for bankruptcy before it is too late.

Canterbury Law Group is uniquely qualified to represent clients in the most sophisticated personal and business bankruptcy cases. The range of services we provide depends on an individual’s or a company’s unique situation. Call us today to schedule a consultation. 480-240-0400 or [email protected]

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Written by Canterbury Law Group

17 August 2016

Does Bankruptcy Affect Students Financial Aid?

As back to school season is here, many parents are wondering if a previous bankruptcy can affect eligibility for education loans. Although it may affect some loans, it does not affect eligibility for certain forms of financial aid.

The Bankruptcy Reform Act of 1994 (P.L. 103-394) amended the US Bankruptcy Code at 11 USC 525(c) to prohibit denial of government student grants and loans based solely on the student’s or borrower’s past or present filing of a bankruptcy petition. The only exception is the Federal PLUS loan.

A child is eligible for federal student loans, such as the Stafford loan, regardless of the parent’s history of bankruptcy. Also, the Stafford loan does not depend on the borrower’s credit history in any way.

A parent’s history of bankruptcy also does not affect the child’s eligibility for federal grants, state grants, scholarships and money from the college, nor student employment programs like Federal Work-Study. The parent may also be eligible for tuition installment plans because these plans are usually structured as a qualified education loans to make them difficult to discharge in bankruptcy.

However, parents are ineligible to borrow from the PLUS loan program for five years from the date of the bankruptcy discharge. By law, PLUS loan borrowers must not have an adverse credit history. The regulations define an adverse credit history as having had a bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment or default determination in the last five years or a current delinquency on any debt of 90 or more days.

If a child’s parent is denied a PLUS loan because of an adverse credit history, the child becomes eligible for increased unsubsidized Stafford loan limits. Parents with a recent bankruptcy will be ineligible to serve as the borrower or co-signer on most private student loans. The provisions of the Bankruptcy Reform Act of 1994 apply only to federal student loans, not private student loans. Most lenders of private student loans ask about bankruptcy filings in the last 7 or 10 years. It really doesn’t matter whether the filing was under chapter 7, 11 or 13, as the lenders will be wary of lending money to anybody with a recent bankruptcy filing.

The bankruptcy lawyers at Canterbury law Group work attentively with bankruptcy clients to secure their fresh financial freedom. Whether filing as an individual or for your business, the bankruptcy attorneys at Canterbury Law Group are experienced experts in all areas of bankruptcy cases in the Phoenix area. Please call us today to schedule your consultation.

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Written by Canterbury Law Group

10 August 2016

Back to School Tips for Divorced Parents

Back to school season can be quite stressful for children, especially if their parents got divorced over the summer. In an effort to ease your child’s transition back to school, we have tips that can promote a healthy shift. At Canterbury Law Group, our legal team works diligently to ensure children are the top priority in every divorce case.

1. Split costs of back to school necessities – From backpacks and lunch boxes to calculators and uniforms, sending your kids back to school can quickly become an expensive event. When possible, split the costs with your ex. Keep your receipts.
2. Meet the teacher together – Attend the new teacher meeting together. Let him/her that your child’s family is separated and relay the custody arrangements. Be sure to keep the line of communication open with your child’s teacher throughout the school year.
3. Share contact information – Both parents should provide their contact details to the school. It’s also great to have formal correspondence from the school sent to both parents.
4. Make the transition as easy as possible – See this as the time to focus on your child rather than your divorce. From split custody time to financial adjustments, try to move forward in a positive way.
5. Discuss school routines – It is important that ex-spouses keep the lines of communication open. It is also important to discuss any changes to schedules with your ex and not in front of the children.
6. Listen to your child – What your child has to say is very important, so ask questions that relates to their new life. How will your child explain the divorce to classmates and teachers? Let your children know it is normal and help him or her to decide ahead of time what they will say to others.

Divorce can be one of the most challenging times of your life. If divorce has become a reality for you, hiring a qualified divorce lawyer can be critical to your future. Call the Scottsdale divorce layers at Canterbury Law Group today to schedule you consultation. 480-744-7711.

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3 August 2016

Campus Dating Violence and Orders of Protection

During the school season, many college co-eds, and parents of college-age kids, have questions about dating violence on campus. Dating violence is emotional, psychological, physical, sexual or financial abuse (or, sometimes, a combination of these) perpetrated over a sustained period of time in order to gain and/or maintain power and control in a dating relationship.

In an effort to negate dating violence, schools should maintain a robust dating violence, domestic violence, stalking and sexual assault prevention program for all incoming students and staff, with continuing education for older students throughout their time at the university.

The family law attorneys at Canterbury Law Group in Scottsdale, AZ. help victims of domestic violence secure legal protection against further abuse, whether on campus or off. If you’re looking to determine your legal options, the family law attorneys at Canterbury Law Group have extensive knowledge on orders of protection. Here are some quick facts:

A victim of domestic abuse means a person protected by the law and shall include any person who has been subjected to domestic abuse by a spouse, or any other person who is a present or former household member and where the victim is 18 years of age or older or who is an emancipated minor.
An order of protection is a court order intended to protect you from further harm from someone who has hurt you; to keep the abuser away from you, or to stop harassing you, or keep the abuser from the scene of the violence, which may include your home, place of work, or apartment. It is a civil order and it does not give the abuser a criminal record. An order of protection can prohibit third parties from constantly texting you or emailing you without consent.
If you are a victim of violence, a judge can sign an order that requires the abuser to obey the court. The protective order is very specific in as far as what the abuser can and can’t do, including having no contact in person or by phone, at home, work, or almost anywhere you ask the court to put in the order.

The family law team at Canterbury Law Group will help you and your loved ones stay safe. Call us today to schedule your consultation. 480-744-7711

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Written by Canterbury Law Group

27 July 2016

How to Obtain a Divorce When Your Spouse Won’t Agree

The Scottsdale divorce lawyers at Canterbury Law Group have represented hundreds of clients in Scottsdale divorce cases. Although every case is unique, often we see one spouse refusing divorce. No one can stop you from getting a divorce if you want one, with the possible exception of the court. If you don’t follow proper legal procedure, a judge can deny your divorce, forcing you to start over. However, your spouse can’t stop you, but she or he can complicate the process.

Here are steps in getting a divorce, even when your spouse will not agree:

1. Any reason is sufficient to file for divorce. Contrary to popular belief, neither spouse needs an reason or grounds for seeking to terminate the marriage. As a “no fault” state, Arizona courts and judges are actually prohibited from inquiring into the romantic issues of either spouse during the trial or otherwise. Put another way, it does not matter how you got here, you have a legal right to divorce if and when you are ready.
2. Research the rules for service of process in your state. Make sure you understand exactly what you have to do to ensure that your spouse legally receives a copy of your divorce petition after you file it. If you err, your spouse can say they were not properly served and block your divorce proceedings. You could still get a divorce, but you’d have to start the process all over again. Do it right the first time and have them served by a licensed process server.
3. Wait out the period of time your spouse has to answer your divorce petition. If he/she files a response with the court, you’ll probably have to resolve your divorce by trial or mutual consent; some spouses won’t agree to a settlement if they don’t want the divorce in which case you are forced to trial and the judge makes all final decisions of equitable distribution.
4. Prepare for a Default Judgment Hearing if your spouse does answer your divorce petition. Even assuming your spouse “no-shows” on the case, after a certain number of days have elapsed, and assuming you properly served your opponents, you can petition the Court in writing to procure a Default Judgment of Divorce wherein all items requested in your original petition and can and typically is granted by the Court assuming no defense or response is ever tendered by your opponent. In the end you’ll be divorced and he or she will have never set foot in a court of law.

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

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20 July 2016

Trends Between Age and Divorce Rate

Divorce rates for couples who marry in their teens and after their early 30s are on the rise, while couples who marry in their late 20s and early 30s have the greatest chance of a successful marriage, according to a recent study by a University of Utah professor.

The report, published on for the Institute for Family Studies, showed people who marry at 25 are more than 50 percent less likely to get a divorce than people who wed at age 20. And until age 32, each additional year of age at marriage reduces the odds of divorce by 11 percent. After age 32, the odds of divorce increase by 5 percent each year.

This data has been a considerable surprise and appears to be something that’s just developed over the last 20 years. The data leaves little indication as to why divorce rates are changing for people who marry in their mid-30s or later. The trend also remains constant across a variety of other factors, including gender, race, education, religious participation, sexual history and the size of the metropolitan area they live in.

In 1995, the five-year divorce rate for newlyweds younger than 20 was 29 percent, with a rapid decline to 19 percent for couples ages 20 through 24. Divorce rates continued to shrink the older couples were when they got married, with couples ages 35 and older having a divorce rate of 14 percent.
An analysis of data from 2006 through 2010, however, showed a 32 percent divorce rate for couples younger than 20. That rate went down to 14 percent for 30- to 34-year-olds, but increased by 5 percent for couples older than 35, creating an upward trend from previous years.
In 2011, the median marriage age for men was 29 — the highest in decades — and 27 for women — the highest it’s ever been, according to the report.

No matter what your age, going through a divorce can be one of the most challenging times of your life. If divorce has become a reality for you, hiring a qualified divorce lawyer can be critical to your future. Call the Scottsdale divorce layers at Canterbury Law Group today to schedule you consultation. 480-744-7711 or www.canterburylawgroup.com

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13 July 2016

Arizona Bankruptcy Exemptions

At Canterbury Law Group, our Scottsdale attorneys are renowned bankruptcy technicians. We represent clients through the entire bankruptcy process and, although all cases are unique, the end goal of bankruptcy is always a new beginning and fresh financial start.

We help clients determine eligible exemptions for their bankruptcy case. Here are some of the most common exemptions available under Arizona law (meaning that they will emerge from bankruptcy):

Alimony and Child Support – Alimony and child support, up to the amount needed for support. 33-1126.
Bank Deposit – A debtor may exempt $300 in a single bank account. Ariz. Rev. Stat. Ann. § 33–1126(8).
Homestead or Residential Property – Under Arizona law, debtors may exempt up to $150,000 (per debtor or married couple) of their home or other real property covered by the homestead exemption. Ariz. Rev. Stat. Ann. §§ 33–1101, 33–1103 and 33–1104.
Insurance Benefits – Life insurance benefits that are payable or received by a surviving spouse or child, up to $20,000.
Claims for the destruction of, or damage to, exempt property – Cash surrender value of life insurance policies, subject to length of ownership requirements and other exceptions.
Motor Vehicles – A debtor may exempt up to $6,000 in one or more motor vehicles. An elderly or disabled debtor, or an elderly or disabled spouse or dependent of the debtor, may exempt up to $12,000.
Pension and Retirement Benefits – Benefits from various employee pension systems are exempt. Ariz. Rev. Stat. Ann. §§ 33–1126 and 38–792.
Personal Property – A debtor may exempt the following personal property:
- up to $6,000 in household furniture and appliances not covered by other exemptions
- up to $1,000 total in bible, bicycle, sewing machine, typewriter, computer, burial plot, rifle, pistol or shotgun
- up to $500 in clothing
- up to $400 in musical instruments
- up to $800 in animals
- up to $2,000 in engagement and wedding rings
- up to $250 in books
- up to $150 in watch
- wrongful death awards
- prepaid rent or security deposit to $2,000 or 1.5 times your rent, whichever is less, in lieu of using homestead exemption.
- all teaching materials for youth, and
- certain professionally prescribed health aids.

Tools of the Trade – A debtor may exempt up to $5,000 in trade implements, which includes farming tools if the debtor’s primary income is from farming. All arms and uniforms that a debtor is legally required to keep are exempt. Library and teaching aids of a teacher.
Unemployment Compensation – Unemployment compensation is exempt as long it is not commingled with other funds and except for the enforcement of child support orders. Ariz. Rev. Stat. Ann. § 23–783.
Wages – A debtor may exempt the lesser of the following wages, per week:
- 25% of his or her disposable earnings, or
- earnings in excess of 30 times the federal minimum wage
- Workers’ Compensation – A debtor may exempt up to $6,000 in one or more motor vehicles. An elderly or disabled debtor, or an elderly or disabled spouse or dependent of the debtor, may exempt up to $12,000.

Our legal team is ready to represent you in your Scottsdale business or personal bankruptcy case. Call us today to schedule your consultation. Our track record speaks for itself! 480-744-7711.

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6 July 2016

Gawker – Popular Media Site – Files Chapter 11 Bankruptcy

Media site, Gawker, has recently filed Chapter 11 bankruptcy, motivated by the company’s agonizing and all-consuming legal fight with Hulk Hogan. A judge has ordered Gawker to pay Hulk Hoag $140 million in damages.

Gawker has agreed to sell all seven of its brands and other assets to the tech publisher Ziff Davis. The Ziff Davis bid — worth $90 million to $100 million, according to sources — sets the floor for the bankruptcy auction process.

The asset purchase agreement to Ziff Davis, the owner of PC Magazine, marks the start of the bankruptcy auction process. Bidding is expected to continue next week. The sale agreement to Ziff Davis will need to be approved by the bankruptcy court, which will conduct an auction to see if there is a higher offer available. Ziff Davis will be what is known as a “stalking horse bidder,” whose offer for the company can be topped by other bidders.

Gawker is pushing ahead with an appeal of the judgment with Hulk Hogan and has maintained confidence that it will ultimately be vindicated, but the company has been openly entertaining a sale.

Canterbury Law Group helps businesses and individuals, usually with a high net worth, file Chapter 11 to solve their bankruptcy needs. The bankruptcy attorneys at Canterbury Law Group have significant experience with Chapter 11 filings, which tend to be very complex, and are capable of filing an individual case or a corporate entity case under Chapter 11 as mandated by the facts of each individual case.

Filing for bankruptcy can be an intimidating process and people are often ashamed of doing it. However, a real challenge when filing for bankruptcy is not securing the services of trusted legal representation like the bankruptcy lawyers at Canterbury Law Group. The legal process can be very demanding and tedious. Without the help of an experienced lawyer it is common to miss important deadlines, make mistakes on required forms and to misunderstand certain rules or terms which can be highly detrimental to your case. The bankruptcy lawyers at Canterbury law Group work diligently with bankruptcy clients to secure their fresh financial freedom.

The bankruptcy attorneys at Canterbury Law Group are experienced experts in all areas of bankruptcy cases in the Phoenix and Scottsdale area. Please call us today to schedule your consultation.

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29 June 2016

Johnny Depp Hearings Shine Spotlight on Abuse

The legal problems between Johnny Depp and Amber Heard over her claims of spousal abuse have been making international headlines. The two sides are due to face off as Heard pursues an extension of a domestic violence restraining order that was granted last month. The court set a status conference for August and the judge extended the temporary restraining order that bars Depp from going within 100 yards of Heard.

This celebrity case has raised the importance of protection against domestic violence. At Canterbury Law Group, we know first hand that there are many misconceptions on abuse. If you or someone you know is experiencing domestic violence, here are some answers to common questions:

1. What is Domestic Violence? When you are in a relationship with someone who uses threats, harasses, molests, stalks, attacks, batters or strikes you, your family or your children, that person is committing Domestic Violence. If you are experiencing Domestic Violence, you have a legal right to seek relief from the courts by procuring a protective order.

In the State of Arizona, Domestic Violence includes a variety of abusive acts. You must be able to show the court that the person from whom you want protection has committed or may commit an act of Domestic Violence. You do not have to be physically injured or hurt to be a victim of Domestic Violence. Domestic violence occurs if the other person has done or attempts to:

endanger you threaten, intimidate, or harass you interfere with the custody of your children;
trespass on or damage your property;
restrain you, kidnap, or hold you prisoner;
assault you with his/her body or with a weapon;
display a deadly weapon or threaten you with a deadly weapon;
surreptitiously (without your knowledge) photograph, videotape, film or record you.

2. What types of protective orders are available in Arizona? A Protective Order is a document obtained from a court, to order the abusive person not to contact you and to prevent future abusive behavior. In Arizona there are five types of protective orders:

Order of Protection – An Order of Protection is a legal restraint used to prohibit a person from committing acts of domestic violence or from contacting people protected by the order. It also provides several kinds of protective relief, such as removing firearms from the home, adding other people to the protective order, and exclusive use of the home.
Emergency Order of Protection – An Emergency Order of Protection is also a legal restraint to prevent domestic violence. An Emergency Order may be granted by an authorized judicial officer in writing, verbally or by telephone for the protection of a person in “imminent and present danger of domestic violence.”
Release Order – In rural counties where it is not required that a judicial officer be designated to issue Emergency Orders when the courts are closed, emergency protection is available through a registered Release Order. Arizona law provides that, when a person arrested for an act of domestic violence is released from custody, any Release Order shall include pretrial release conditions necessary to protect the alleged victim and other specifically designated persons.
Injunction Against Harassment – The Injunction Against Harassment orders a person to stop harassing, annoying or alarming another person. Injunctions can be used for disputes against neighbors, strangers, and people who were not dating.
Injunction Against Workplace Harassment – The Injunction Against Workplace Harassment is the newest protective order available in Arizona. It allows an employer or an agent of an employer to file for relief on behalf of all employees at the workplace, against any person who enters the employer’s property and any person who is performing official work duties.

3. How and where can I get an Order of Protection or an Injunction Against Harassment? You may file a petition for an Order of Protection or Injunction Against Harassment in any superior, municipal or justice court regardless of where you live in Arizona. When you enter the court, go to the Clerk of the Court’s counter, Self Service Center, or protection order window and tell the clerk you are requesting an Order of Protection or an Injunction Against Harassment. The clerk will give you the proper Petition forms. Plan on being at the court house for several hours.

If you’re experiencing domestic violence, hiring a family law attorney can be critical to your future. Call the Scottsdale layers at Canterbury Law Group today to schedule you consultation. 480-744-7711.

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Regular Post

Written by Canterbury Law Group

20 June 2016

Mortgage Financing After a Life Changing Event

Bankruptcy, foreclosure and other life events are bumps on the road to sustainable homeownership. With the recent events of the housing bubble and subsequent crash, many people may want a second chance to be homeowners. These “Boomerang Buyers” (a term often used to describe people who had to rent post-2008 but are returning to the homebuying market now that the economy has improved) may not know all the specifics of required waiting periods after their foreclosure, short sale or bankruptcy.The below chart covers the typical waiting periods associated with these types of events. Of course, as an experienced Loan Officer and Sales Manager at Academy Mortgage, I have seen exceptions occur. Working with the best mortgage team can help you get back into a home faster than you may have thought was possible.

Give me a call today so we can cover the specifics of your life event and set a plan to make you a homeowner again.

Conventional
Foreclosure	7 years from date completed to the disbursement date of the new loan
Deed-in-Lieu of ForeclosurePre-Foreclosure or Short Sale	4 years from either the date of sale or from the completion date to the disbursement date of the new loan
Prior Loan Modification	2 years eligible with Fannie Mae DU approval
Chapter 13 Bankruptcy	2 years from discharge date 4 years from dismissal date
Chapter 7 Bankruptcy	4 years from discharge or dismissal date
Multiple Bankruptcy Filings in the Last 7 Years	5 years from last discharge or dismissal date
Jumbo Loan	Follow requirements specific to the proposed loan product

VA
Foreclosure Deed-in-Lieu of Foreclosure	2 years from date completed and title transferred back to lender
Pre-Foreclosure or Short Sale	2 years from credit approval date to date sale closed and title transferred to new owner
Prior Loan Modification	Must have a 12-month satisfactory credit history after the event
Chapter 13 Bankruptcy	1-year payout has elapsed with all payments made on time and permission obtained from court for new mortgage No wait time if discharged or dismissed
Chapter 7 Bankruptcy	2 years from discharge or dismissal date
Consumer Credit Counseling	1-year payout has elapsed, payments made on time, and agency permission for a new mortgage

FHA
ForeclosureDeed-in-Lieu of Foreclosure	3 years from date completed and title transferred back to lender
Pre-Foreclosure or Short Sale	3 years from the date of title transfer to FHA case number assignment
Prior Loan Modification	No wait period, but past 12 months’ credit history must have no late payments
Chapter 13 Bankruptcy	1-year payout has elapsed with all payments made on time and permission obtained from court for new mortgage No wait time if discharged or dismissed
Chapter 7 Bankruptcy	2 years from discharge or dismissal date
Consumer Credit Counseling	1-year payout has elapsed, payments made on time, and agency permission for a new mortgage

USDA
ForeclosureDeed-in-Lieu of Foreclosure	3 years from date completed and title transferred back to lender
Pre-Foreclosure or Short Sale	3 years from credit approval date to date sale closed and title transferred to new owner Less than 3 years may be eligible if all mortgage and installment debt paid on time within the 12 months prior to the sale
Prior Loan Modification	3 years from modification completion date
Chapter 13 Bankruptcy	1-year payout has elapsed with all payments made on time and permission obtained from court for new mortgage No wait time if discharged or dismissed
Chapter 7 Bankruptcy	3 years from discharge or dismissal date
Consumer Credit Counseling	1-year payout has elapsed, payments made on time, and agency permission for a new mortgage

Please Note: Shorter wait periods may be available under certain circumstances and depend on the reason for the derogatory credit event. Please refer to your Loan Officer for details.

All Loan Types: If a mortgage loan has gone through a previous modification, or the lender offered a short payoff, it is NOT eligible for a refinance.

All mortgage products are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Additional conditions, qualifications, and restrictions may apply. This is not an offer for extension of credit or a commitment to lend. MAC01215-1021324909

Sincerely,

Michael Burkes
Sales Manager Producing | NMLS #1427401
15333 N Pima RD 205
Scottsdale, AZ 85260
(602) 908-9484 – Cell Phone
(480) 696-3026 – Office
[email protected]
www.AcademyMortgage.com/michaelburkes
LO State Lic: 0933965
Corp NMLS: 3113 |
Academy Mortgage – 15333 N Pima RD 205, Scottsdale, AZ 85260

For state licensing information, please visit:

http://www.academymortgage.com/StateLicense

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