Bankruptcy Resources
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Bankruptcy Resources
A bankruptcy can also strip an unsecured second mortgage, allowing you to reduce the debt and keep the home.
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Can If File Bankruptcy If I Have Already Filed Bankruptcy Before?

Can If File Bankruptcy If I Have Already Filed Bankruptcy Before? | Bankruptcy Resources | Scoop.it
Mesa bankruptcy lawyer William Fife says you can file bankruptcy as many times as necessary. Call him at 480-850-6541 and get started today.
Fife & Cesta, PLC's insight:

William Fife, Bankruptcy Lawyer:You can file bankruptcy as many times as necessary, the issue becomes whether or not you’re eligible for a discharge. There are certain time requirements to get a discharge in a bankruptcy case. Being eight years from your last Chapter 7 or four years from a Chapter 13 to a subsequent Chapter 7 filing. So, there are various time frames, but yes, you can file another bankruptcy.

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Can I Use Credit Cards During A Bankruptcy?

Can I Use Credit Cards During A Bankruptcy? | Bankruptcy Resources | Scoop.it
A Mesa bankruptcy lawyer explains bankruptcy's effect on credit cards.
Fife & Cesta, PLC's insight:

William Fife, Bankruptcy Lawyer:No. As a simple answer, no. Likely what will happen is you have to list out your known creditors when you file for bankruptcy. As soon as your creditors get notice of the bankruptcy, they will shut down those cards so you will not be able to use those credit cards. Now, that will not prevent you from after filing your bankruptcy from acquiring new credit. And if you are able to obtain any credit cards, you can begin using those credit cards.

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The Nuances Of Filing Bankruptcy In Mesa Arizona As Opposed To Other Places

The Nuances Of Filing Bankruptcy In Mesa Arizona As Opposed To Other Places | Bankruptcy Resources | Scoop.it
Mesa, AZ attorney Thomas Cesta explains how to qualify for Arizona exemptions when filing for bankruptcy. Call today at 480-850-6541.
Fife & Cesta, PLC's insight:

Thomas Cesta, Bankruptcy Lawyer:Sure. One of the things that we need to look at is how long you have lived within the jurisdiction. If you have lived in Mesa, Arizona for at least 91 days prior to filing, then we can still file in this area. And actually, it’s in Arizona at all. It doesn’t have to be specific to Mesa, Arizona, but as long as you’ve lived in Arizona for 91 days, then we can file in this jurisdiction. Now, the exemptions that we’re going to apply are going to depend on where you lived for the last two years. So, if you’ve lived here for two or more years, we’re going to use Arizona exemptions. If you’ve only lived here for, let’s say, the 91 days and prior to that, you lived somewhere else, we need to apply those exemptions. If you lived in Michigan, we’ll apply the Michigan exemptions. But if you lived in Arizona at least for two years, we’re going to be looking at the Arizona exemptions.

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I was served a civil summons in Phoenix from a 3rd party for a credit card debt. Can they use recordings in court against me?

I was served a civil summons in Phoenix from a 3rd party for a credit card debt. Can they use recordings in court against me? | Bankruptcy Resources | Scoop.it
I was served a civil summons in Phoenix from a 3rd party for a credit card debt. Can they use recordings in court against me? By Thomas Cesta
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I called to get more proof of the amount. The “lawyers” office sent me two copies of statements. I spoke with my nephew that is a Criminal defense attorney. He called them. Now I am confused on how to answer the summons. Do I have to respond to each numbered paragraph on the complaint as I agree to my name and address, while denying the remainder for lack of information? Can they use the recordings against me? I have applied to legal aid for help. Should I get an extension? I want to fill out my answer, just not sure what the proper way to do it is. How can the recordings be stricken from their records?

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Bankruptcy And Title Loans

Mesa Arizona bankruptcy lawyer William Fife discusses how a bankruptcy affects title loans and other secured debt. The Law Offices Of Fife & Cesta 1811 S Alm...
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Mesa Arizona bankruptcy lawyer William Fife discusses how a bankruptcy affects title loans and other secured debt.

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com/bankruptcy-la...
Google+: https://plus.google.com/b/10578205822...

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Can Bankruptcy Proceeding Reduce My Wage Garnishment?

Can I use a bankruptcy to prove extreme financial hardship, thereby convincing the judge to lower my wage garnishment? The Law Offices Of Fife & Cesta 1811 S...
Fife & Cesta, PLC's insight:

Can I use a bankruptcy to prove extreme financial hardship, thereby convincing the judge to lower my wage garnishment?

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com
Google+: https://plus.google.com/b/10578205822...

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Can I Get Rid Of My Judgements In A Bankruptcy?

How do legally determined debt payment schedules get affect by the filing of bankruptcy? Bankruptcy attorney William Fife discusses the legality of dischargi...
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How do legally determined debt payment schedules get affect by the filing of bankruptcy? Bankruptcy attorney William Fife discusses the legality of discharging judgements in a bankruptcy.

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com
Google+: https://plus.google.com/b/10578205822...

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Fife And Cesta Mesa Arizona Bankruptcy Law Firm Mission Statement

William Fife And Thomas Cesta discuss their mission and purpose in becoming bankruptcy attorneys, and the vision they had for Fife & Cesta, PLC
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William Fife And Thomas Cesta discuss their mission and purpose in becoming bankruptcy attorneys, and the vision they had for Fife & Cesta, PLC

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The Nuances Of Filing Bankruptcy In Mesa Arizona As Opposed To Other Places

Thomas Cesta discusses The Nuances Of Filing Bankruptcy In Mesa Arizona As Opposed To Other Places. His personal experience and keen insight shed some light ...
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Thomas Cesta discusses The Nuances Of Filing Bankruptcy In Mesa Arizona As Opposed To Other Places. His personal experience and keen insight shed some light on the process and the players.

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Interview With Mesa Bankruptcy Attorney Thomas Cesta

Interview With Mesa Bankruptcy Attorney Thomas Cesta
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Thomas Cesta praises fellow bankruptcy attorney William Fife.

Tom Cesta, founding partner at Fife And Cesta PLC, discuss Mr William Fife, his fellow bankruptcy lawyer and business partner.
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Tom Cesta, founding partner at Fife And Cesta PLC, discuss Mr William Fife, his fellow bankruptcy lawyer and business partner.

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What court is my bankruptcy going to be filed in?

What court will I need to go to in order to file my Arizona bankruptcy? The Law Offices Of Fife & Cesta 1811 S Alma School Road, Ste 270 Mesa, Arizona, 85210...
Fife & Cesta, PLC's insight:

What court will I need to go to in order to file my Arizona bankruptcy?

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com/bankruptcy-la...
Google+: https://plus.google.com/b/10578205822...

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Where Does Your 341 Meeting Take Place And How Long Does It Last?

I live in Mariocopa county, how do I determine where my 341 meeting of creditors hearing will be held? If you live in Maricopa county, your 341 meeting of cr...
Fife & Cesta, PLC's insight:

I live in Mariocopa county, how do I determine where my 341 meeting of creditors hearing will be held?

If you live in Maricopa county, your 341 meeting of creditors hearing will be held at the bankruptcy court located at 230 N. 1st Ave, Suite 101, Phoenix, AZ 85003. 

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com
Google+: https://plus.google.com/b/10578205822...

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Can I Get Rid Of My Judgements In A Bankruptcy?

Can I Get Rid Of My Judgements In A Bankruptcy? | Bankruptcy Resources | Scoop.it
"Judgments are really no different than any other debt," says Mesa bankruptcy lawyer William Fife. Call 480-850-6541 today for a quote.
Fife & Cesta, PLC's insight:

William Fife, Bankruptcy Lawyer:Judgments are really no different than any other debt. A judgment just allows the person to have different mechanisms to collect on the debts that’s owed to them. So a bankruptcy will eliminate judgments just as easily as they will eliminate other forms of debt.

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Preferential Payments And Their Impact On Bankruptcy Filings

Preferential Payments And Their Impact On Bankruptcy Filings | Bankruptcy Resources | Scoop.it
Bankruptcy lawyer Thomas Cesta in Mesa Arizonza explains the impact of making preferential payments before filing for bankruptcy.
Fife & Cesta, PLC's insight:

Thomas Cesta, Bankruptcy Lawyer:While you could pay him back, it can still cause problems for your bankruptcy. Well, that would be considered a preferential payment, and if you were to make that payment, the trustee could seek to invalidate it. The trustee could go to your father and ask for your father to pay that money back into the bankruptcy estate or the trustee could come to you and ask for you to pay it back. So, you may have paid your dad and still end up having to pay that money into the bankruptcy estate. If you wanted to pay your father after filing for bankruptcy you could still do that. Just because you get a discharge of debt, doesn’t mean that you can’t choose to still payback your friends, family, any creditor that you prefer. You can go ahead and pay back after the bankruptcy discharge. But the discharge will mean that you no longer have a legal obligation to do so.

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Do creditors send a 1099 after they have used all collection efforts and I am still unable to pay ?

Do creditors send a 1099 after they have used all collection efforts and I am still unable to pay ? | Bankruptcy Resources | Scoop.it
Do creditors send a 1099 after they have used all collection efforts? Answered by Mesa bankruptcy professional Thomas Cesta.
Fife & Cesta, PLC's insight:

I lost my job over 4 years ago, I’m 69 years old and haven’t been able to pay my credit cards.

A creditor told me that they are closing my file and going to send me a 1099. I thought a 1099 was sent only to you after you negotiated a settlement on a credit card account and there was still a balance left.

Can the credit card company send me a 1099 after they stop collection efforts and does the IRS come after you? Would I be responsible to pay tax on the 1099 to the IRS ?

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How Will Bankruptcy Affect My Credit Score?

How Will Bankruptcy Affect My Credit Score? An explanation from Thomas Cesta, bankruptcy attorney at http://fifecestalaw.com. The Law Offices Of Fife & Cesta...
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How Will Bankruptcy Affect My Credit Score? An explanation from Thomas Cesta, bankruptcy attorney at http://fifecestalaw.com.

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com/bankruptcy-la...
Google+: https://plus.google.com/b/10578205822...

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Can If File Bankruptcy If I Have Already Filed Bankruptcy Before?

Mesa Arizona Bankruptcy Attorney William Fife answers The Questions: Can If File Bankruptcy If I Have Already Filed Bankruptcy Before? As an AZ Bankruptcy Ex...
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Mesa Arizona Bankruptcy Attorney William Fife answers The Questions: Can If File Bankruptcy If I Have Already Filed Bankruptcy Before? As an AZ Bankruptcy Expert, William is uniquely qualified to educate consumer bankruptcy clients on the ins and outs of filing bankruptcy.

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com
Google+: https://plus.google.com/b/10578205822...

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Can I Use Credit Cards During A Bankruptcy?

What are the dangers and potential pitfalls of using credit cards during or before a bankruptcy filing?
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Fife And Cesta PLC History And Services

Mesa Bankruptcy Attorneys William Fife And Thomas Cesta discuss the history of Fife and Cesta, as well as some of the services provided by the bankrupty office.
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Mesa Bankruptcy Attorneys William Fife And Thomas Cesta discuss the history of Fife and Cesta, as well as some of the services provided by the bankrupty office.

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Interview With Bankruptcy Attorney William Fife

Mesa AZ Bankruptcy Attorney William Fife, founding partner at Fife & Cesta PLC, discusses his reasons for getting into law, and into bankruptcy law specifica...
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Mesa AZ Bankruptcy Attorney William Fife, founding partner at Fife & Cesta PLC, discusses his reasons for getting into law, and into bankruptcy law specifically.

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Preferential Payments And Their Impact On Bankruptcy Filings

Bankruptcy Attorney In Mesa AZ Thomas Cesta discusses Preferential Payments And Their Impact On Bankruptcy Filings
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Bankruptcy Attorney In Mesa AZ Thomas Cesta discusses Preferential Payments And Their Impact On Bankruptcy Filings

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Ways to prevent filing for bankruptcy, how to stave off chapter 7 & chapter 13

Impending bankruptcy can be a large burden, financially and emotionally. In many cases, it will be important to prevent needing to file, and here bankruptcy ...
Fife & Cesta, PLC's insight:

Impending bankruptcy can be a large burden, financially and emotionally. In many cases, it will be important to prevent needing to file, and here bankruptcy attorney Tom Cesta gives some good basic advice for preventing bankruptcy filing.

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com/bankruptcy-la...
Google+: https://plus.google.com/b/10578205822...

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When Filing Bankruptcy What Property Is At Risk?

When filing bankruptcy in Arizona, what property is considered at risk? What do you stand to lose? Exemptions in bankruptcy are mostly state law based that p...
Fife & Cesta, PLC's insight:

When filing bankruptcy in Arizona, what property is considered at risk? What do you stand to lose?

Exemptions in bankruptcy are mostly state law based that protect your property from being taken in the bankruptcy. Depending on what property you have, those exemptions are applied so that the trustee assigned to your case is aware that the property can not be touched. Any property that you own that is not covered by state or federal exemptions will be subject to be liquidated in bankruptcy.

The Law Offices Of Fife & Cesta
1811 S Alma School Road, Ste 270
Mesa, Arizona, 85210
Office: 480-850-6541
Email: Info@FifeCestaLaw.com
Website: http://fifecestalaw.com
Google+: https://plus.google.com/b/10578205822...

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