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Written by Canterbury Law Group

Filing for Bankruptcy in Arizona

Filing for Bankruptcy in Arizona

When you file for bankruptcy in Arizona, you are bound by state as well as federal laws. Before you file for bankruptcy, you need to know whether you actually need to. Most people who are deep in debt opt to file for Chapter 7, which provides a certain degree of debt relief, asset protection and management of existing debt. However, Chapter 7 bankruptcy can only be used once every seven years. So, you really need to know whether you want to file for bankruptcy now or seek alternative solutions.

When it comes down to it, it will be up to you to decide whether you should file for any form of bankruptcy. A credit counselor may be able to help you. Before you make up your mind, here are several tips on filing for bankruptcy in Arizona:

Take Advantage of Arizona’s Exemption Laws

Arizona’s Exemption Laws allow a certain degree of protection against repossession of assets by creditors who have provided unsecured debt. For example, if you are neck deep in credit card debt, you don’t need to fear that the credit card company might show up and demand your house or car. Credit card debt is mostly dischargeable under Arizona law. Likewise, if you want unwanted collection calls to stop, you can simply do so by informing the creditor that you have filed for bankruptcy. Consult an attorney in your local area, for example, a bankruptcy attorney in Scottsdale, to know whether you can benefit from exemption laws and avoid filing for bankruptcy, or hastily seek to file.

Income may Only Qualify You for Chapter 13 Bankruptcy

To qualify for a Chapter 7 bankruptcy, your household income must be below the state median income for households of your size. If you fail this “means test,” you may have to file for Chapter 13 bankruptcy. Moreover, a bankruptcy judge can later examine whether your income is sufficient to repay debt under Chapter 13, rather than file under Chapter 7.

Under Chapter 13 bankruptcy, you will have to repay your existing debt in part under a strict household budget. Your finances will be closely watched by a court-appointed Trustee. If you fail to meet any of the court-mandated obligations, then the Chapter 13 filing could later result in sanctions or “conversion” to another type of bankruptcy under the code. Having competent legal counsel at your side at all times is critical.

Moving on with the Proceedings

If you have made up your mind to file for bankruptcy, you will have to go to a court at the zip code you have lived in for at least 91 of the past 180 days. If you haven’t lived at your current address for this amount of time, you should use the court relevant to your old zip code address. Expect most of the proceedings’ paperwork to be distributed through via snail mail. With or without counsel, you will have to go to the bankruptcy court in person at least once. Go online to find information about your court and to download important documentation.  Appearing in a federal court house is often easier to digest with a competent licensed attorney by your side.

Cost

There are a number of fees associated with filing for bankruptcy in Arizona. In addition to paying for a lawyer, you will have to pay fees for things like mandatory pre-filing credit counseling, filing forms, making copies, and other similar tasks. Fees for different things will vary. For example, getting counseling can cost between $25 and $100.  Costs can be as little as $400 for preparing documentation. However, hiring a lawyer may cost as much as $5,000.  Every case is different.  Be careful agreeing to the “lowest cost” bankruptcy attorney who later calls you demanding thousands more in fees to continue with your case.  Like anything in life, lowest price does not mean highest value.   

If your income is too low, some of these costs may be waived off or you might only have to pay a portion of the fees. Filing for bankruptcy is not free, so do expect to pay as you go through the federal proceedings.

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Written by Canterbury Law Group

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.

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Written by Canterbury Law Group

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.

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Written by Canterbury Law Group

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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Written by Canterbury Law Group

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

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.

Family Law, Family Law Attorney, Prenup, Prenups, Scottsdale Attorneys, Scottsdale family attorneys, Scottsdale Legal Help
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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.

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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.

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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.

Custody Terms, Custody Tips, Dating Violence, Divorce & Legal Separation, Divorce Attorney, Divorce attorneys Scottsdale, Divorce Rate, Divorced Parents, Family Law, Family Law Attorney, Scottsdale Attorneys, Scottsdale Divorce, Scottsdale family attorneys, Scottsdale Legal Help
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Regular Post
Written by Canterbury Law Group

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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