As of December 1 2015 most of the official Bankruptcy Forms were substantially revised, reformatted, and renumbered versions.  In 2008 the Advisory Committee on Bankruptcy rules decided that the forms needed to be “modernization”.  One of the major changes is the creation of different versions of case opening forms for individual debtors and non-individual debtors.  Below are links to the instruction booklets for individual debtors, for non-individual debtors, and to a forms number conversion chart.

As of December 1 2015 most of the official Bankruptcy Forms were substantially revised, reformatted, and renumbered versions.  In 2008 the Advisory Committee on Bankruptcy rules decided that the forms needed to be “modernization”.  One of the major changes is the creation of different versions of case opening forms for individual debtors and non-individual debtors.  Below are links to the instruction booklets for individual debtors, for non-individual debtors, and to a forms number conversion chart.

I would like to thank all my fellow Arizona attorneys who gave me wonderful reviews over the last 10 years.  The end result was that I received AV Preeminent 10 year anniversary award.

I would like to thank all my fellow Arizona attorneys who gave me wonderful reviews over the last 10 years.  The end result was that I received AV Preeminent 10 year anniversary award.

To be in the credit counseling business you have to be a nonprofit.  Credit card companies will frequently refuse to set up repayment plans with for-profit debt counselors.  Mandatory bankruptcy credit counseling courses may only be sponsored by nonprofits.  And the common perception is that “real” credit counselors should be nonprofit agencies.

Have you ever opened your credit card statement only to find that despite last month’s payment, your unpaid balance has actually increased because of credit card interest, penalties or fees?As a practicing consumer bankruptcy

Let’s talk about the morality of being in – and being unable to get out of – debt.
There’s no clause in a credit card contract that speaks to morality or ethics. There are bad people who have credit cards and pay them on time.
There are also good people who can’t make their payments on time.
This is, after all, a business deal. There’s a contract, and everyone agrees to be bound by whatever it says.

Let’s talk about the morality of being in - and being unable to get out of - debt. There's no clause in a credit card contract that speaks to morality or ethics. There are bad people who have credit cards and pay them on time. There are also good people who can’t make their payments on Read the article
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