Transform Your Finances with Your Tax Return: A Fresh Start through Bankruptcy As the tax season approaches, many individuals eagerly await their tax refunds, viewing them as a bonus or a chance to splurge on something they desire. However, for those struggling with overwhelming debt and financial burdens, a tax refund can be an invaluable opportunity to achieve a fresh start through bankruptcy. In this blog post, we’ll explore how you can use your tax return to take control of your financial situation, highlighting the benefits of Chapter 7 and Chapter 13 bankruptcy, and urging you to contact our Arizona Bankruptcy Lawyers to determine the best path to debt relief. Using Your Tax Return Wisely Your tax refund is an excellent resource to make a positive change in your financial life. Instead of using it for temporary pleasures or expenses, consider investing it in your long-term financial stability. Here’s how you can make the most of your tax return: Pay for Bankruptcy Attorney Fees: One of the most significant expenses when filing for bankruptcy is hiring a bankruptcy attorney. Your tax refund can be a lifeline in covering these costs, ensuring that you have professional guidance throughout the process. Eliminate Debt: Your tax return can also be used to pay off or reduce high-interest debt. By doing so, you can alleviate some financial pressure and pave the way for a fresh start. Build an Emergency Fund: Establishing an emergency fund with your tax refund can provide a financial safety net, helping you avoid future debt crises. Having savings can prevent you from relying on credit cards or loans for unexpected expenses. Invest in Financial Education: Consider using part of your refund to invest in financial education resources or workshops. Learning how to manage your finances better can help you avoid future financial pitfalls. Chapter 7 & Chapter 13 Bankruptcy: A Fresh Start Bankruptcy may sound daunting, but it’s a legal process designed to offer individuals and families relief from unmanageable debt. Two common types of bankruptcy, Chapter 7 and Chapter 13, can provide you with the fresh start you need: Chapter 7 Bankruptcy in Arizona Often referred to as “liquidation” bankruptcy, Chapter 7 bankruptcy aims to discharge most unsecured debts, such as credit card debt, medical bills, and personal loans. Your non-exempt assets may be sold to repay creditors, but many individuals do not lose any property thanks to exemptions provided by Arizona law. Chapter 7 typically lasts around three to six months, offering a relatively swift path to debt relief. Chapter 13 Bankruptcy in Arizona Chapter 13 bankruptcy, often known as “reorganization,” allows you to create a manageable repayment plan to catch up on missed mortgage or car loan payments. You can keep all your assets while making affordable monthly payments to creditors over three to five years. Chapter 13 provides a structured way to regain control of your finances and avoid foreclosure or repossession. Your Tax Refund and Bankruptcy: A Winning Combination Using your tax refund to cover the costs of hiring a bankruptcy attorney or to start your Chapter 7 or Chapter 13 bankruptcy process is a wise investment in your future. Here’s why: Professional Guidance: Filing for bankruptcy can be complex and requires strict adherence to legal procedures. An experienced bankruptcy attorney can guide you through the process, ensuring that everything is done correctly. Maximize Debt Discharge: A bankruptcy attorney can help you navigate the intricacies of bankruptcy laws, making sure you take full advantage of the available exemptions and discharge as much debt as possible. Peace of Mind: With a bankruptcy attorney by your side, you can have peace of mind knowing that your case is in capable hands. They will represent your interests and protect your rights throughout the process. Financial Freedom: Both Chapter 7 and Chapter 13 bankruptcy offer a path to financial freedom. You can shed the weight of unmanageable debt, stop creditor harassment, and regain control of your finances. Contact Our Arizona Bankruptcy Lawyers Your tax refund is a valuable resource that can help you take control of your financial situation and start fresh through bankruptcy. To determine the best option for debt relief, it’s crucial to consult with experienced bankruptcy attorneys who understand Arizona’s bankruptcy laws and can tailor a solution to your specific needs. My AZ Lawyers are here to help you navigate the path to financial freedom. Whether you choose Chapter 7 or Chapter 13 bankruptcy, we will work with you every step of the way, from assessing your financial situation to filing your case and representing your interests in court. Don’t let debt hold you back any longer. Contact us today for a free consultation, and let us help you make the most of your tax refund to achieve the fresh start you deserve. Your financial future is within reach, and we’re here to guide you towards it.   Arizona Offices: Mesa Location: 1731 West Baseline Rd., Suite #100 Mesa, AZ 85202 Office: (480) 448-9800 Email: info@myazlawyers.com Website: https://myazlawyers.com/ Phoenix Location: 343 West Roosevelt, Suite #100 Phoenix, AZ 85003 Office: (602) 609-7000 Glendale Location: 20325 N 51st Avenue Suite #134, Building 5 Glendale, AZ 85308 Office: (602) 509-0955 Tucson Location: 2 East Congress St., Suite #900-6A Tucson, AZ 85701 Office: (520) 441-1450 Avondale Location: 12725 W. Indian School Rd., Ste E, #101 Avondale, AZ 85392 Office: (623) 469-6603 The post Transform Your Finances with Your Tax Return: A Fresh Start through Bankruptcy appeared first on My AZ Lawyers.

Here’s our payment schedule and work schedule: What Does Chapter 7 Cost in Virginia April 2023 Lawyers are required to tell you what work we do for the money you pay. A lot of lawyers are pretty sketchy about that. I try to do better. Do You Get More for Your Money with Us? Higher success rate and higher customer ratings. There are two reasons, besides price, you should select the Bankruptcy Law Office of Robert Weed. First, our success rate. Or more specifically, our very low failure rate: the percentage of bankruptcies that are dismissed. (Dismissed means thrown out. Discharged means approved.) You can see here that our rate of bankruptcy dismissals if vastly different than many other bankruptcy lawyers. Their dismissal rates run from six times to ten time more than ours! Second, we have more than nine hundred five star reviews. Another lawyer, who has also done more than ten thousand bankruptcies, has fewer than eighty people who have given him five stars. Our customers are ten times more likely to post a five star review. We think that shows a real difference in the quality of our customer service. Whether your bankruptcy is simple or complex, you’ll like our friendly service with a smile. What About Complicated Cases Dozens of people every month come to the Law Office of Robert Weed for a different reason. These people worry about complicated issues in the bankruptcy–and they want an experienced lawyer who will treat their case individually, and get the best possible result for them. People who have complicated bankruptcy problems sometimes ask, what does bankruptcy cost in Virginia. They want top rated service, but at a fair price. Do you pick us out based on suggestion of one of our fifteen thousand happy customers, or the referral of another Northern Virginia lawyer, or reading our better than nine hundred five star reviews? Did you talk to a different bankruptcy lawyer that you didn’t feel quite right about? You want a bankruptcy law firm who will take you through the twists and turns of the law and bring you out where you are trying to go. You’ve come to the right place. For you, our legal fee will most likely be more than $3000.00 and could top $4000.00. (Again, there’s $385 in filing fees in addition.) When it’s over, you’ll agree it was worth it. Or are you wondering, is bankruptcy is worth it? Some people ask what does Chapter 7 bankruptcy cost, because they are not sure what bankruptcy actually does. If you want to know the fives ways bankruptcy gives you a fresh start, I have great info on that, here. Here’s how we charge: Fee Agreement April 2022 Whether your case is simple, or complicated, we charge a fair price and give you value for the money. You’ll like our friendly service with a smile. — Robert Weed “I love being a bankruptcy lawyer, because I can help almost everyone I see.” If you want to make an appointment, use call 703-335-7793, our main switchboard. Contact us today and sleep better tonight.

Here’s our payment schedule and work schedule: What Does Chapter 7 Cost in Virginia April 2023 Lawyers are required to tell you what work we do for the money you pay. A lot of lawyers are pretty sketchy about that. I try to do better. Do You Get More for Your Money with Us? Higher success rate and higher customer ratings. There are two reasons, besides price, you should select the Bankruptcy Law Office of Robert Weed. First, our success rate. Or more specifically, our very low failure rate: the percentage of bankruptcies that are dismissed. (Dismissed means thrown out. Discharged means approved.) You can see here that our rate of bankruptcy dismissals if vastly different than many other bankruptcy lawyers. Their dismissal rates run from six times to ten time more than ours! Second, we have more than nine hundred five star reviews. Another lawyer, who has also done more than ten thousand bankruptcies, has fewer than eighty people who have given him five stars. Our customers are ten times more likely to post a five star review. We think that shows a real difference in the quality of our customer service. Whether your bankruptcy is simple or complex, you’ll like our friendly service with a smile. What About Complicated Cases Dozens of people every month come to the Law Office of Robert Weed for a different reason. These people worry about complicated issues in the bankruptcy–and they want an experienced lawyer who will treat their case individually, and get the best possible result for them. People who have complicated bankruptcy problems sometimes ask, what does bankruptcy cost in Virginia. They want top rated service, but at a fair price. Do you pick us out based on suggestion of one of our fifteen thousand happy customers, or the referral of another Northern Virginia lawyer, or reading our better than nine hundred five star reviews? Did you talk to a different bankruptcy lawyer that you didn’t feel quite right about? You want a bankruptcy law firm who will take you through the twists and turns of the law and bring you out where you are trying to go. You’ve come to the right place. For you, our legal fee will most likely be more than $3000.00 and could top $4000.00. (Again, there’s $385 in filing fees in addition.) When it’s over, you’ll agree it was worth it. Or are you wondering, is bankruptcy is worth it? Some people ask what does Chapter 7 bankruptcy cost, because they are not sure what bankruptcy actually does. If you want to know the fives ways bankruptcy gives you a fresh start, I have great info on that, here. Here’s how we charge: Fee Agreement April 2022 Whether your case is simple, or complicated, we charge a fair price and give you value for the money. You’ll like our friendly service with a smile. — Robert Weed “I love being a bankruptcy lawyer, because I can help almost everyone I see.” If you want to make an appointment, use call 703-335-7793, our main switchboard. Contact us today and sleep better tonight.

We’ve been Zooming–doing Zoom virtual bankruptcy consultations–since April 2020. We’re sticking with it. We stopped in-office consultations with the March 2020 pandemic lock down. (I first heard of Zoom when my church started using it. We’re a small congregation and can see everybody on screen.) Since April 2020 I’ve Zoomed bankruptcy consultations probably five hundred times. Three advantages of Zoom virtual bankruptcy consultations There are three advantages I’ve seen in doing virtual bankruptcy consultations. First, it saves travel time. The traffic in Northern Virginia is as bad as it’s ever been. It takes too long to get anywhere. Three minutes setting up a Zoom call is better than trying to drive ten miles around here. Second, people are more comfortable. Especially on the initial contact–what I call the Quick Call–it works out well. I’m at my own computer, where I can access all my info. And you are at home–or wherever–more comfortable and maybe more open than you’d be in an unfamiliar office. I didn’t expect that. But I’ve seen we cover more ground and clear up more concerns with a virtual consultation. I’m at my own computer, where I can access my info. And you are at home more relaxed than you’d be at a meeting in an unfamiliar office. Alexandria Bankruptcy hearings are telephonic. Hearings at the bankruptcy courts are now virtual, zoom and telephonic. That started with the pandemic. Our association, NACBA, along with the National Association of Bankruptcy Trustees and the National Association of Chapter 13 Trustees, have all asked that policy to made permanent. Documents can be a problem. After our quick call, I invite you to fill in my Be Happy form. That’s here. Then we’ll send you a password and links to upload the required documents. (Transferring documents can be the hardest part of the virtual consultation.) You likely already have some of the documents in pdf. You can take a photo on your phone for the required ID. Having access to a scanner can be helpful. Here’s info on a free scanner for your phone. Documents have a solution Going to a nearby Staples or FedEx Office and faxing to us works well. Here’s our fax number. 703-677-8776. If you need to bring us hard copies of documents, two of my four virtual locations have full time receptionists. You can drop off documents there and they will get them to me. (These are Regus shared office space buildings. I now work mainly from a “zoom studio.”) 13800 Coppermine Rd, Herndon 800 Corporate Drive #301, Stafford For most people, Zoom virtual bankruptcy consultation works With two years experience, I can say for most people, virtual consultations are better.

We’ve been Zooming–doing Zoom virtual bankruptcy consultations–since April 2020. We’re sticking with it. We stopped in-office consultations with the March 2020 pandemic lock down. (I first heard of Zoom when my church started using it. We’re a small congregation and can see everybody on screen.) Since April 2020 I’ve Zoomed bankruptcy consultations probably five hundred times. Three advantages of Zoom virtual bankruptcy consultations There are three advantages I’ve seen in doing virtual bankruptcy consultations. First, it saves travel time. The traffic in Northern Virginia is as bad as it’s ever been. It takes too long to get anywhere. Three minutes setting up a Zoom call is better than trying to drive ten miles around here. Second, people are more comfortable. Especially on the initial contact–what I call the Quick Call–it works out well. I’m at my own computer, where I can access all my info. And you are at home–or wherever–more comfortable and maybe more open than you’d be in an unfamiliar office. I didn’t expect that. But I’ve seen we cover more ground and clear up more concerns with a virtual consultation. I’m at my own computer, where I can access my info. And you are at home more relaxed than you’d be at a meeting in an unfamiliar office. Alexandria Bankruptcy hearings are telephonic. Hearings at the bankruptcy courts are now virtual, zoom and telephonic. That started with the pandemic. Our association, NACBA, along with the National Association of Bankruptcy Trustees and the National Association of Chapter 13 Trustees, have all asked that policy to made permanent. Documents can be a problem. After our quick call, I invite you to fill in my Be Happy form. That’s here. Then we’ll send you a password and links to upload the required documents. (Transferring documents can be the hardest part of the virtual consultation.) You likely already have some of the documents in pdf. You can take a photo on your phone for the required ID. Having access to a scanner can be helpful. Here’s info on a free scanner for your phone. Documents have a solution Going to a nearby Staples or FedEx Office and faxing to us works well. Here’s our fax number. 703-677-8776. If you need to bring us hard copies of documents, two of my four virtual locations have full time receptionists. You can drop off documents there and they will get them to me. (These are Regus shared office space buildings. I now work mainly from a “zoom studio.”) 13800 Coppermine Rd, Herndon 800 Corporate Drive #301, Stafford For most people, Zoom virtual bankruptcy consultation works With two years experience, I can say for most people, virtual consultations are better.

 SMALL BUSINESS ADMINISTRATION IMPLEMENTS 60-DAY GOODWILL EXCEPTION FOR PPP, EIDL LOANS Blackenterprise.com has a very informative article on a 60 Day Goodwill  Exception for PPL & EIDL loans and how that program operates. The article can be found at https://www.blackenterprise.com/sba-implements-60-day-goodwill-exception-for-ppp-eidl-loans/Jim Shenwick, Esq  917 363 3391  jshenwick@gmail.com Please click the link to schedule a telephone call with me.https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!

 Next Avenue  has a helpful article on How to Get a Handle on Debt in 2024. The article can be found at https://www.nextavenue.org/how-to-get-a-handle-on-debt-in-2024/Jim Shenwick, Esq  917 363 3391  jshenwick@gmail.com Please click the link to schedule a telephone call with me. https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!x

  The SBA just announced a new relief program for  PPP and COVID EIDL Borrowers.Details and information about the new relief program can be found at https://www.sba.gov/funding-programs/loans/covid-19-relief-options/covid-19-economic-injury-disaster-loan/manage-your-eidl#:~:text=SBA%20is%20offering%20a%20Hardship,renew%20after%20the%20plan%20concludes.The relief is an extension of the Hardship Accommodation PlanThe new Hardship Accommodation Plan will reduce borrowers monthly payments and help cash flow issues in the short term (6 months or longer) but it will not reduce the sum owed to the SBA or address a failed business that cannot make regular payments to the SBA. Borrowers with defaulted SBA loans should schedule a telephone call with Jim Shenwick, Esq.The SBA is offering a Hardship Accommodation Plan for borrowers experiencing short-term financial challenges. Borrowers eligible for this plan may make reduced payments for a six-month period, with the option to renew after the plan concludes. Interest will continue to accrue, which may increase (or create) a balloon payment due at the end of the loan term.TermsBorrowers are required to pay a fixed percentage of their monthly payment amount. Payment reduction will vary based on past enrollment status.The regular monthly payment amount will resume and be required after the six-month Hardship Accommodation period ends. Borrowers may be able to renew the Hardship Accommodation Plan, if necessary. The terms may vary for renewals.Eligibility & EnrollmentBorrowers are eligible to enroll in the Hardship Accommodation Plan beginning 60 calendar days before their first payment due date. If your loan amount is less than or equal to $200,000:  First-time enrollment: To enroll in the Hardship Accommodation plan, create an account or log in to the MySBA Loan Portal. Within the portal, click “Loan Summaries” in the toolbar. On the Loan Summary page, look for “Hardship Accommodation Plan” in the bottom right corner. Click “Learn more and enroll.”Renewals: You may renew the Hardship Accommodation Plan one time through the MySBA Loan Portal. If you need renew more than once, please contact COVID-19 EIDL customer service (include Hardship Accommodation Plan in the email subject line), or send a message through the MySBA Loan Portal. You will be contacted by a loan specialist regarding requirements. If your loan amount exceeds $200,000:  First-time enrollment and renewals: Please contact COVID-19 EIDL customer service (include Hardship Accommodation Plan in the email subject line) or send a message through the MySBA Loan Portal. You will be contacted by a loan specialist regarding requirements."Jim Shenwick, Esq  917 363 3391  jshenwick@gmail.com Please click the link to schedule a telephone call with me.https://calendly.com/james-shenwick/15minWe held individuals & businesses with too much debt!

Divorce & Histrionic Personality Disorder In Arizona   If you’re going through a difficult divorce from your spouse, it probably feels like at least one of the parties involved has a personality disorder. One of the main suspects of spouses in strife is narcissistic personality disorder. This condition causes the affected person to have an exaggerated sense of self-importance and engage in attention-seeking behaviors. Many people confuse narcissism with histrionic personality disorder or have never heard of this disorder. Some of its symptoms can be similar to those that a person with narcissistic personality disorder would exhibit. If a spouse going through a divorce has a personality disorder, there are certain factors for which the other party should be prepared. This can be crucial to achieving a positive outcome in a divorce in Phoenix and Tucson, Arizona. To schedule your free phone consultation with a member of our Arizona family law team, call 480-470-1504.  What Is Histrionic Personality Disorder? Histrionic personality disorder is a mental health condition that is often confused with, but is separate from, narcissistic personality disorder. Someone can have symptoms of a personality disorder without a diagnosis- it becomes a disorder when the symptoms interfere with the person’s career, interpersonal relationships, etc. An estimated 1.84% of the population has histrionic personality disorder. Some of the symptoms a person with this disorder may display include: Dramatic displays of emotion Perceiving relationships as closer and deeper than they truly are Inappropriate sexual appearance and behavior A need to be the center of attention Rapid shifts in emotional states Shallow emotions that seem insincere to others Opinions that are easy to manipulate If you know anything about narcissistic personality disorder, it’s easy to see how these two personality disorders could be confused for one another. Narcissists are known for desiring attention, but are more prone to being the manipulator rather than the manipulated. A spouse preparing for an emotionally strenuous divorce can reap several benefits from consulting with experienced family law lawyers about their circumstances. To get started with your free consultation of our Phoenix and Tucson family law team, call 480-470-1504.  Behaviors to Anticipate in a Divorce from Someone with Histrionic Personality Disorder There is no way to predict with 100% accuracy how a person will behave during a family law matter, regardless of a personality disorder. However, you might be able to anticipate some behaviors and actions if your spouse has been diagnosed with or displays symptoms of histrionic personality disorder. If you need to discuss how your case can be affected by any of the following, call 480-470-1504 to schedule your free consultation with our Arizona family law team.  “Moving On” Quickly People with histrionic personality disorder put on sexual displays and attach quickly to new relationships. In a divorce context, being the first one to enter a new romantic relationship can also feel like a victory over one’s ex-spouse. A divorced spouse has every right to date whomever they want after their marital relationship ends. However, this can cause issues if the spouses have minor children in common. It can be confusing and stressful for young children to transition from a two-parent household to two separate households with a new adult figure in at least one household. If this could be a concern in your situation, it may benefit you and your children to include a clause about new romantic relationships in your parenting plan. Many parents will select a certain threshold the relationship must pass- e.g., exclusive for six months- before that partner can be introduced to the children. This can help keep your children from being influenced by an unknown stranger brought into their lives because of your ex’s personality disorder.  Drama When the Stage is Set People with histrionic personality disorder are known for dramatic displays of emotion. Divorce creates endless opportunities to act out these emotions with an audience. This could be during negotiations, mediation, or even trial. It’s best to stay calm if your ex begins acting out in front of a neutral third party. If both parties are out of control during a proceeding, it will only make things more complicated and cause delays. If the judge wants to dole out negative consequences for inappropriate courtroom conduct, you will be glad to not have been a participant.  Another issue when at least one divorcing spouse loves to create drama is joint custody of minor children. School events, custody exchanges, and other child-related interactions with your ex can have an equally negative impact as courtroom conduct. Unhinged behavior can be stressful for children and set a bad example. If this becomes an ongoing issue, it may help to switch to supervised custody exchanges. Supervised exchanges are similar in theory to supervised visitation. Instead of having a neutral third party observe time spent with the child, the third party will observe when the parents switch physical custody of the child. The third party is meant to discourage one or both parties from acting out and negatively impacting their shared minor children.  Influence from Outsiders People with histrionic personality disorder tend to have opinions that can be manipulated by others. For someone with a small social circle, this could have little to no impact on a divorce case. But let’s say one spouse has overly involved parents or siblings who seem to have a personal investment in how the divorce is resolved. Here, the spouses may seem to reach an agreement during negotiations just for the spouse with histrionic personality disorder to have a conversation with someone who convinces them to strive for another outcome. If one or both spouses are prone to this type of behavior, it’s best to get agreements in writing as soon as possible after reaching them. It’s also best to avoid relying on oral agreements and confirm them in email or writing.  Self-Centeredness During Negotiations When someone with histrionic personality disorder gets divorced, their need for attention may translate into negotiations for all of the relevant matters in their divorce. For example, a parent who is set to get 50/50  custody of their children may view this as their children being “taken away” without considering that the other parent will also not see their children half of the time. This factor, combined with the flair for dramatics, can make negotiations tense, if not impossible. A mediator may be able to help the spouses reach an agreement without needing to bring the matter before the judge.  Let a Skilled Family Law Attorney Provide Stability During Trying Times Difficult personalities are a fact of life, but can also aggravate situations that are already unpleasant, such as divorce or child custody matters. If your ex has retained aggressive legal counsel, it will only increase your obstacles in a family law matter. You deserve qualified representation to simplify the process and help you achieve your goals, regardless of your situation. My AZ Lawyers will filter all communications so you don’t have to sift through the unnecessary drama. Learn more about the strategies you should be utilizing in a divorce in Phoenix or Tucson. Contact us to get started with your free consultation, or call us at 480-470-1504.   Arizona Offices: Mesa Location: 1731 West Baseline Rd., Suite #100 Mesa, AZ 85202 Office: (480) 448-9800 Email: info@myazlawyers.com Website: https://myazlawyers.com/ Phoenix Location: 343 West Roosevelt, Suite #100 Phoenix, AZ 85003 Office: (602) 609-7000 Glendale Location: 20325 N 51st Avenue Suite #134, Building 5 Glendale, AZ 85308 Office: (602) 509-0955 Tucson Location: 2 East Congress St., Suite #900-6A Tucson, AZ 85701 Office: (520) 441-1450 Avondale Location: 12725 W. Indian School Rd., Ste E, #101 Avondale, AZ 85392 Office: (623) 469-6603 The post Divorce & Histrionic Personality Disorder In Arizona appeared first on My AZ Lawyers.