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About Christopher Ariano

Christopher Ariano is a bankruptcy and debt settlement attorney helping clients across the state of Arizona free themselves from the weight of burdensome debt.

What Will Happen if You Miss a Chapter 13 Payment?

What Will Happen if You Miss a Chapter 13 Payment?

what happens if you miss a chapter 13 paymentChapter 13 bankruptcies come with a payment plan aimed at facilitating the process of reducing your outstanding loan balance. The plan is calculated by your bankruptcy trustee and it takes […]

Overcoming Post-Holiday Debt in Arizona

Overcoming Post-Holiday Debt in Arizona

overcoming post holiday debtPost-holiday debt is a real and serious thing that a significant portion of the American population has to deal with.

According to statistics for 2017, the average post-holiday debt per household was 1,054 dollars. It was accumulated primarily in the form […]

What is Chapter 11 Bankruptcy in Arizona?

What is Chapter 11 Bankruptcy in Arizona?

what is chapter 11 bankruptcyChapter 11 bankruptcy is typically called reorganization bankruptcy. This blogpost will describe the basics of Chapter 11 bankruptcy.

Chapter 11 is typically used by corporations or businesses.  Individuals may also file a Chapter 11 bankruptcy, but it is […]

What’s Bankruptcy?

What’s Bankruptcy?

what's bankruptcyBankruptcy is a term that is used quite often but many use it incorrectly.  Bankruptcy is an extremely large part of the American legal system and is important for both individuals and business owners to understand the legal understandings of it.

If you as an individual […]

The Personal and External Reasons People File Bankruptcy

The Personal and External Reasons People File Bankruptcy

reasons people file bankruptcyLife can throw us curveballs that change our financial circumstances and sometimes we make decisions that are not always the best. There may come a time when those circumstances and decisions put us into a financial situation […]

Sole Proprietorship and Small Business Bankruptcy

Sole Proprietorship and Small Business Bankruptcy

small business bankruptcy Starting a business endeavor doesn’t always progress according to plan. Even if you have the best idea, the risk of failure will be present. Sooner or later, you will have to decide about the future of the business. Occasionally, […]

What Happens After an Automatic Bankruptcy Stay Is Ordered?

What Happens After an Automatic Bankruptcy Stay Is Ordered?

bankruptcy stayCreditor harassment isn’t necessarily unlawful unless you’ve requested, in writing, that each creditor cease and desist telephonic communication, or they’re breaking other FDCPA (Fair Debt Collection Practices Act) rules. It’s bothersome, indeed. But not illegal.

Once you’ve made the […]

What Is Predatory Lending and How to Address It

What Is Predatory Lending and How to Address It

what is predatory lendingWhen you’re desperate for money, you may become more willing to suspend disbelief and caution. Loans are not created equal and on occasions, lenders may even attempt taking advantage of those in need. In such instances, […]

Suspended License Reinstatement with Bankruptcy

Suspended License Reinstatement with Bankruptcy

suspended license reinstatementGetting your driving license suspended in Arizona isn’t just inconvenient, it could keep you from leading a normal life and going to work. You will have to follow the procedure and adhere to the terms mandated by law for license reinstatement. […]

Arizona Bankruptcy Laws and Procedure     

Arizona Bankruptcy Laws and Procedure     

arizona bankruptcy lawsWhile bankruptcy law is a federal mechanism, each state provides certain specifics when it comes to average income tests and dischargeable debts.  Here is a brief explanation of the Arizona specifics.

Arizona Non-Dischargeable Debts

Before filing for bankruptcy, it is important […]

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