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	<description>Bankrupcty Information Center</description>
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		<title>A Tax Refund Can Affect a Chapter 7 Bankruptcy</title>
		<link>http://www.discreetbk.com/a-tax-refund-can-affect-a-chapter-7-bankruptcy/</link>
		<comments>http://www.discreetbk.com/a-tax-refund-can-affect-a-chapter-7-bankruptcy/#comments</comments>
		<pubDate>Tue, 14 May 2013 07:33:55 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[AZ]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
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		<category><![CDATA[bankruptcy in arizona]]></category>
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		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[file for bankruptcy]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[legal advice]]></category>
		<category><![CDATA[Phoenix]]></category>
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		<guid isPermaLink="false">http://www.discreetbk.com/?p=2257</guid>
		<description><![CDATA[If you have filed or will file for chapter 7 bankruptcy in Arizona this year, you will want to discuss any tax refund with your bankruptcy attorney. The size of the refund and the timing of the bankruptcy filing should be considered. The Frutkin Law Firm, PLC, in Phoenix and Scottsdale, AZ, has experienced bankruptcy <br/><a href="http://www.discreetbk.com/a-tax-refund-can-affect-a-chapter-7-bankruptcy/">Read More &#187;</a>]]></description>
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		<title>When to Choose Arizona Chapter 11 Bankruptcy</title>
		<link>http://www.discreetbk.com/when-to-choose-arizona-chapter-11-bankruptcy/</link>
		<comments>http://www.discreetbk.com/when-to-choose-arizona-chapter-11-bankruptcy/#comments</comments>
		<pubDate>Mon, 15 Apr 2013 08:11:53 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[AZ]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
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		<category><![CDATA[businesses with excessive debt]]></category>
		<category><![CDATA[Chapter 11]]></category>
		<category><![CDATA[Chapter 11 plan of reorganization]]></category>
		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt repayment plan]]></category>
		<category><![CDATA[filing for chapter 11 bankruptcy in Arizona]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[investment property]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[reorganization bankruptcy]]></category>
		<category><![CDATA[repay creditors]]></category>
		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[sole proprietor businesses]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=2078</guid>
		<description><![CDATA[Businesses and individuals that have too much debt to qualify for Chapter 13 bankruptcy may choose to file Arizona Chapter 11 bankruptcy. Since there is no debt limit with a Chapter 11 case, it may be an alternative when the liabilities are over the debt limits of Chapter 13. Furthermore, some businesses with excessive debt <br/><a href="http://www.discreetbk.com/when-to-choose-arizona-chapter-11-bankruptcy/">Read More &#187;</a>]]></description>
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		<title>Control Your Tax Debt with Arizona Chapter 13 Bankruptcy</title>
		<link>http://www.discreetbk.com/control-your-tax-debt-with-arizona-chapter-13-bankruptcy/</link>
		<comments>http://www.discreetbk.com/control-your-tax-debt-with-arizona-chapter-13-bankruptcy/#comments</comments>
		<pubDate>Thu, 28 Mar 2013 07:59:08 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Arizona Department of Revenue]]></category>
		<category><![CDATA[AZ]]></category>
		<category><![CDATA[back tax debt]]></category>
		<category><![CDATA[back taxes]]></category>
		<category><![CDATA[bankruptcy]]></category>
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		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[new taxes]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[priority position]]></category>
		<category><![CDATA[repay tax debt]]></category>
		<category><![CDATA[Scottsdale]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=2071</guid>
		<description><![CDATA[Owing new taxes or back taxes to the state or federal government is a serious matter. Besides the taxes themselves, there are penalties and interest that must be paid on the outstanding amounts. The totals can quickly become staggering amounts of debt if left uncontrolled. Tax Debt and Arizona Chapter 13 Bankruptcy Some tax debt <br/><a href="http://www.discreetbk.com/control-your-tax-debt-with-arizona-chapter-13-bankruptcy/">Read More &#187;</a>]]></description>
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		<title>Your Credit Score Could Improve After You File for Bankruptcy in Arizona</title>
		<link>http://www.discreetbk.com/your-credit-score-could-improve-after-you-file-for-bankruptcy-in-arizona/</link>
		<comments>http://www.discreetbk.com/your-credit-score-could-improve-after-you-file-for-bankruptcy-in-arizona/#comments</comments>
		<pubDate>Thu, 14 Mar 2013 07:49:37 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[AZ]]></category>
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		<category><![CDATA[Chapter 13]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[considering bankruptcy]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit score damage]]></category>
		<category><![CDATA[discharged bankruptcy]]></category>
		<category><![CDATA[filing for bankruptcy]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[legal advice for AZ bankruptcy]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[Scottsdale]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=2046</guid>
		<description><![CDATA[If you file for bankruptcy in Arizona, you can expect your credit score to be lowered. But the extent of the damage might be mitigated by other factors. And many AZ residents find that their score has actually improved within a reasonable period after filing for bankruptcy. Credit Score Damage Before You File for Bankruptcy <br/><a href="http://www.discreetbk.com/your-credit-score-could-improve-after-you-file-for-bankruptcy-in-arizona/">Read More &#187;</a>]]></description>
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		<title>Should I File for Bankruptcy in Arizona?</title>
		<link>http://www.discreetbk.com/should-i-file-for-bankruptcy-in-arizona/</link>
		<comments>http://www.discreetbk.com/should-i-file-for-bankruptcy-in-arizona/#comments</comments>
		<pubDate>Thu, 28 Feb 2013 07:12:18 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[401K]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[AZ]]></category>
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		<category><![CDATA[bankruptcy lawyer]]></category>
		<category><![CDATA[emerge from bankruptcy]]></category>
		<category><![CDATA[file for bankrupcty]]></category>
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		<category><![CDATA[retirement savings]]></category>
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		<guid isPermaLink="false">http://www.discreetbk.com/?p=2008</guid>
		<description><![CDATA[The decision to file for bankruptcy in Arizona is never easy. But there are some common signs that may indicate it is time to consult with an experienced bankruptcy lawyer. Your Debt Equals Half of Your Income If your debt reaches half of your income – or even close to half of your income – <br/><a href="http://www.discreetbk.com/should-i-file-for-bankruptcy-in-arizona/">Read More &#187;</a>]]></description>
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		<item>
		<title>Retirement, Debt, and Bankruptcy in Arizona</title>
		<link>http://www.discreetbk.com/retirement-debt-and-bankruptcy-in-arizona/</link>
		<comments>http://www.discreetbk.com/retirement-debt-and-bankruptcy-in-arizona/#comments</comments>
		<pubDate>Wed, 13 Feb 2013 08:57:12 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[401K plan]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[AZ]]></category>
		<category><![CDATA[AZ bankruptcy]]></category>
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		<category><![CDATA[bankruptcy in arizona]]></category>
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		<category><![CDATA[file for bankruptcy]]></category>
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		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[HELOC]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[retirement savings]]></category>
		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[social security payments]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=2003</guid>
		<description><![CDATA[Sometimes the older generations find it hardest to file for bankruptcy in Arizona. Though it is not easy for anyone, it seems especially difficult for this demographic. Many will go to unreasonable lengths to avoid AZ bankruptcy, even to the point of using their retirement savings to pay debts such as underwater mortgages, medical bills, <br/><a href="http://www.discreetbk.com/retirement-debt-and-bankruptcy-in-arizona/">Read More &#187;</a>]]></description>
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		<title>Arizona Bankruptcy is for when Bad Things Happen to Good People</title>
		<link>http://www.discreetbk.com/arizona-bankruptcy-is-for-good-people/</link>
		<comments>http://www.discreetbk.com/arizona-bankruptcy-is-for-good-people/#comments</comments>
		<pubDate>Fri, 30 Nov 2012 07:20:13 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Arizona bankruptcy]]></category>
		<category><![CDATA[Arizona bankruptcy laws]]></category>
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		<category><![CDATA[bankruptcy laws]]></category>
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		<category><![CDATA[bankruptcy planning]]></category>
		<category><![CDATA[bankruptcy trustee]]></category>
		<category><![CDATA[collection phone calls and letters]]></category>
		<category><![CDATA[Frutkin Law Firm]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[rebuild your credit]]></category>
		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[stop making payments on debts]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=897</guid>
		<description><![CDATA[The reality of Arizona bankruptcy is that most people never intended to end up there – even fought as long as possible to avoid it. But in the last several years there has been a perfect storm of falling home values, unemployment or under-employment, and rising costs of everything from medicine to food to gas. <br/><a href="http://www.discreetbk.com/arizona-bankruptcy-is-for-good-people/">Read More &#187;</a>]]></description>
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		<item>
		<title>The Student Loan Crisis is as Bad in Arizona as Everywhere Else</title>
		<link>http://www.discreetbk.com/the-student-loan-crisis-in-arizona/</link>
		<comments>http://www.discreetbk.com/the-student-loan-crisis-in-arizona/#comments</comments>
		<pubDate>Wed, 14 Nov 2012 08:13:59 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Advocacy leader]]></category>
		<category><![CDATA[Arizona]]></category>
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		<category><![CDATA[handle student loan debt in bankruptcy]]></category>
		<category><![CDATA[Jonathan Frutkin]]></category>
		<category><![CDATA[NACBA]]></category>
		<category><![CDATA[National Association of Consumer Bankruptcy Attorneys]]></category>
		<category><![CDATA[not dischargable in bankruptcy]]></category>
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		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[student loan]]></category>
		<category><![CDATA[student loan crisis]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=890</guid>
		<description><![CDATA[The Student Loan Crisis is as Bad in Arizona as Everywhere Else Almost any Arizona bankruptcy lawyer has seen the serious debt crisis brought on by student loans. One notable result of the recent economic recession has been bankruptcy filings that include student loan debt accrued by young people entering college, parents assisting their children <br/><a href="http://www.discreetbk.com/the-student-loan-crisis-in-arizona/">Read More &#187;</a>]]></description>
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		<item>
		<title>Are Asset Exemptions the Same for All Chapters of Bankruptcy in Arizona?</title>
		<link>http://www.discreetbk.com/are-asset-exemptions-the-same-for-all-chapters-of-bankruptcy-in-arizona/</link>
		<comments>http://www.discreetbk.com/are-asset-exemptions-the-same-for-all-chapters-of-bankruptcy-in-arizona/#comments</comments>
		<pubDate>Thu, 27 Sep 2012 07:13:52 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Arizona bankruptcy law]]></category>
		<category><![CDATA[asset exemptions]]></category>
		<category><![CDATA[AZ]]></category>
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		<category><![CDATA[Chapter 11]]></category>
		<category><![CDATA[Chapter 7]]></category>
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		<category><![CDATA[homestead exemption]]></category>
		<category><![CDATA[personal asset exemptions]]></category>
		<category><![CDATA[Phoenix]]></category>
		<category><![CDATA[Scottsdale]]></category>

		<guid isPermaLink="false">http://www.discreetbk.com/?p=862</guid>
		<description><![CDATA[Generally speaking, the limits for homestead and personal asset exemptions during bankruptcy are the same whether you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Arizona. These exemptions allow most debtors to maintain a simple household with reasonable transportation and means of work, and you will not be destitute. But remember, in a <br/><a href="http://www.discreetbk.com/are-asset-exemptions-the-same-for-all-chapters-of-bankruptcy-in-arizona/">Read More &#187;</a>]]></description>
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		<title>Are Your Arizona Wages Garnished?</title>
		<link>http://www.discreetbk.com/what-can-i-do-if-my-arizona-wages-have-been-garnished/</link>
		<comments>http://www.discreetbk.com/what-can-i-do-if-my-arizona-wages-have-been-garnished/#comments</comments>
		<pubDate>Tue, 11 Sep 2012 08:00:44 +0000</pubDate>
		<dc:creator>carol</dc:creator>
				<category><![CDATA[Bankruptcy Blog]]></category>
		<category><![CDATA[Arizona]]></category>
		<category><![CDATA[Arizona bankruptcy law]]></category>
		<category><![CDATA[Arizona bankruptcy lawyer]]></category>
		<category><![CDATA[automatic stay]]></category>
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		<category><![CDATA[child support payments]]></category>
		<category><![CDATA[debt that cannot be discharged in bankruptcy]]></category>
		<category><![CDATA[filing for bankruptcy in Arizona]]></category>
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		<category><![CDATA[garnishment]]></category>
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		<category><![CDATA[Scottsdale]]></category>
		<category><![CDATA[wage garnishment]]></category>
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		<guid isPermaLink="false">http://www.discreetbk.com/?p=855</guid>
		<description><![CDATA[Filing for bankruptcy in Arizona creates a legal injunction known as the automatic stay. This automatic stay immediately stops all creditors’ attempts to collect a debt during your bankruptcy case. The automatic stay can stop a wage garnishment or keep one from starting. It is important to consult with an experienced Arizona bankruptcy lawyer as <br/><a href="http://www.discreetbk.com/what-can-i-do-if-my-arizona-wages-have-been-garnished/">Read More &#187;</a>]]></description>
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