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Consumer debt is rising in America

Consumer debt is growing again in America, and the signs are discouraging. Click to read how Americans’ debt levels are once again reaching record highs.

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Knowing How to File for Bankruptcy

Knowing how and why to file for bankruptcy is something that most Americans generally don’t have to go through. But for those who are in financial straits and need to liquidate their debt, understanding bankruptcy processes is important stuff.

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Rising Amounts of Credit Card Debt (again) for Americans

Debt is (again) a problem that is arising across America. Many Americans are struggling with paying down mortgage debt, student loans, auto loans and credit card debt.

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AZ Court of Appeals decision a blow to consumers?

Credit card consumers in Arizona who fail to meet payments on their credit cards might face an unexpected big bill years later, if a recent decision by the Court of Appeals of Arizona stands without dissent in the coming months. In the case of Mertola (a debt collection agency) vs. defendant Alberto Santos, which was […]

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Fewer U.S. bankruptcies, but more Arizona bankruptcies

The latest numbers of bankruptcies across the United States shows a 10% decline in overall Chapter 7 filings to 58,336 filings, according to the latest data. “Total U.S. bankruptcy filings decreased 10 percent in February from the same period last year, according to data provided by Epiq Systems, Inc. Bankruptcy filings totaled 58,336 in February […]

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Choose Olga Zlotnik for bankruptcy representation

In the seven years that I’ve been helping people get help through Arizona bankruptcy protection, I’ve found that we often establish a meaningful connection. My clients often come to me with heavy hearts and debt troubles. Through our meetings, we are able to help the client find a path to solvency through bankruptcy. And when […]

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Understanding the Bankruptcy Means Test

One of the most crucial elements for persons filing for bankruptcy in Arizona is passing the financial means test. The means test is defined by the US Dept. of Justice as Bankruptcy Form 122, which has three separate parts which bankruptcy filers must fill out to the satisfaction of the bankruptcy lawyer and the court. […]

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Succeeding in Bankruptcy with a Qualified Lawyer

The chances of success in a bankruptcy case in front of a judge are far better when working with a qualified, dependable bankruptcy lawyer. A recent study showed that more than half (55%) of bankruptcy filers in Chapter 13 cases had a higher success rate when represented by a lawyer in a bankruptcy claim. Those […]

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When Bankruptcy Becomes Your Only Option

There may come a time in your life when your income may slide lower, or you may be out of a job for awhile. At the same time, your debts may pile higher, and you may need to find a way out of the financial hole. People faced in that situation sometimes find their only […]

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U.S. and State Bankruptcy Filings in 2016

The American Bankruptcy Institute has released its numbers of personal and commercial bankruptcy filings for 2016. A quick glance shows that individuals have gotten their debt under control and have taken over their finances better than in years past. But commercial concerns struggled with financing and debt and saw an increase in commercial bankruptcies in […]

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DISCLAIMER: Please note that the information contained in this web site has been prepared by the Law Office of Olga Zlotnik, PLLC for informational purposes only and does not constitute, and should not be considered legal advice. Transmission of the information contained in this web site and receipt by the reader is not intended to create and should not be construed as creating an attorney-client relationship with Law Office of Olga Zlotnik, PLLC. Communication by e-mail, telephone or in writing with us does not constitute the creation of an attorney-client relationship until a written fee agreement is signed. While we would certainly like to hear from you, we cannot represent you until we know that doing so will not create a conflict of interest. Please do not send us any information about a matter that may involve you until you receive authorization to do so from us. The bankruptcy law services described herein are with respect to bankruptcy relief under the Bankruptcy Code. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.