If you are wondering whether utility bills can be included in Chapter 7 bankruptcy, the short answer in Arizona is yes. Past-due balances on your electric, gas, water, phone, and internet bills are generally treated as unsecured debts, which means they are dischargeable when your case closes. 

There are a few important conditions, though, including a 20-day deposit rule and a narrow fraud exception that can pull a utility debt back out of your discharge.

When you file for Chapter 7 bankruptcy in Arizona, this kind of liquidation bankruptcy will stop bill collectors and creditor lawsuits through its automatic stay,…
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The Two Paths of a Reputational Crisis
Your first reaction when you or your brand is targeted by false statements is likely a combination of panic and anger. These online statements can damage reputations within hours. 
Victims of defamatory statements often face an important question: should they focus on reputation management or pursue a defamation lawsuit?
The answer will depend on the circumstances. An experienced internet law firm like RM Warner can evaluate harm and recommend a strategy that combines legal action with reputation recovery. 
Digital PR: When to Use Reputation Management
Reputation management in the digital age focuses on…
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I just finished writing a short story, What Happened? A Mediation Story Featuring RPS Coach, and I bet you would enjoy spending an hour to read it.
What Happened? tells the story of a promising business relationship that gradually unravels into a serious commercial dispute.  As the implementation of a software system goes seriously awry, two companies, their executives, their lawyers, and a mediator must navigate legal uncertainty, business realities, organizational pressures, and strained relationships.  Rather than focusing only on the mediation session, the story follows the participants from the origins of the conflict through preparation, the mediation session,…
Continue Reading Would You Like to Take an Hour to Read an Engaging Short Story about Mediation?

Legal action for nursing home abuse becomes necessary when that trust is broken, and a facility’s negligence causes harm.
Understanding your rights and the legal options available is the first step toward justice.
According to the CDC’s nursing home data, the number of nursing home residents in the United States has grown substantially, with many residents requiring round-the-clock assistance.
For those in Arizona, knowing the signs of abuse and neglect is essential for protecting vulnerable family members.
If something feels wrong, it usually is.
Trusting your instincts and taking action can prevent further harm and hold negligent facilities accountable.
Continue Reading Legal Action for Nursing Home Abuse: How Our Lawyers Can Help

Is Your Merchant Cash Advance a Scam?

Merchant Cash Advances, often referred to as MCAs, are today a common funding choice for a business that requires quick access to capital. They are used across most industries and can serve a legitimate purpose when structured correctly and understood properly.

There has been growing concern about certain practices within the MCA industry. Some MCA agreements raise questions about transparency, fairness, and legality. For a merchant business owner, this creates uncertainty and it becomes difficult to tell the difference between a conventional financial product and one that may cross the line into a…
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Ideally, if you have just received your discharge after bankruptcy, whether through Chapter 7 or Chapter 13, you are enjoying the benefits of having a fresh start without having to make debt payments. But the world is not a perfect place, and you may find that at some point shortly after your bankruptcy, you may need to obtain a loan.

You may have experienced an illness or injury that has resulted in a large hospital bill. Maybe your old furniture has finally broken down, and you need to replace it. You may need money to pay for major home repairs,…
Continue Reading Personal Loans After Bankruptcy

I recently stumbled upon a social media site on which two nurses were discussing submissions to their question, “What is the biggest nursing mistake you have ever seen?” The answers are disturbing but no surprise to anyone who has looked into the amount of medical malpractice out there. These are the things doctors and nurses talk about among themselves when they don’t believe any of the public is listening.

What Goes On Behind The Veil Of Secrecy? 2

Among the mistakes submitted to these nurses:

A nurse was ordered to give a patient a stool softener. The softener came in…
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In an Arizona bankruptcy, you can include certain income tax debts for discharge, but only if you meet applicable rules. Arizona follows the federal bankruptcy code, which means your key considerations are the type of tax debt and its age. 

Can you file bankruptcy on back taxes? The short answer is that tax debts older than three years may qualify for discharge under Chapter 7 or Chapter 13.

Stone Rose Law bankruptcy attorneys are experienced in navigating the intersection between federal tax laws and how they affect your tax debts and other tax liabilities.

To speak with one of our…
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Sometimes you can find yourself “underwater” on a secured loan, owing more on your balance than the property is worth. For some kinds of property, under the U.S. Bankruptcy Code, Chapter 13 bankruptcy allows you to address this problem by reducing the balance owed to the value of the property. This mechanism is called a “cramdown.”

In combination with the debt-repayment plan that is integral to a Chapter 13 case, a cramdown can help you keep property, such as your car or home, while reducing your total debt.

Stone Rose Law represents Arizona residents who need debt relief, including bankruptcy.
Continue Reading Cramdowns in Chapter 13 Bankruptcy

How long after bankruptcy can I get a car loan? You can apply for a car loan immediately after filing. Some dealerships offer exclusive financing to bankruptcy filers and will have a vehicle ready to close the next day after you file. 

However, favorable financing terms usually require additional time after filing to rebuild your credit.  In Chapter 13 cases, you can apply during your 3- to 5-year plan, but only with the bankruptcy court’s advance approval.

Whether you use Chapter 7 or Chapter 13 bankruptcy can make a difference in some important ways, including your ability to get auto…
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Does Google actually read what you post on your business profile? Yes, and increasingly so do the AI tools your next client is using to find a lawyer. Here’s what to post, how often, and what it should actually say.
The post GBP Posts for Attorneys: What Gets You Found in AI Search (2026 Guide) appeared first on LawLytics.
Continue Reading GBP Posts for Attorneys: What Gets You Found in AI Search (2026 Guide)

Article Summary

  • Paraplegia car accident settlement values are often much higher than ordinary injury claims because the injury may permanently affect mobility, work, independence, housing, medical care, and daily life.
  • The average settlement for paraplegia after a car accident depends on injury severity, lifetime care needs, fault, insurance coverage, and available evidence.
  • A personal injury lawyer can help calculate paraplegia injury compensation by reviewing medical costs, future care, lost earning capacity, pain and suffering, and the long-term impact of the injury.

Paraplegia is one of the most serious injuries that can result from a car accident. Unlike many crash injuries…
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This bibliography comprises scholarly books, book chapters, and journal articles published or accepted for publication by full-time, emeritus, and retired faculty of the Sandra Day O’Connor College of Law between April 1, 2026 and June 30, 2026.

Khaled A. Beydoun, Telling War Stories: Innocence, Indictment, and (En)gendered Terror, 114 Georgetown Law Journal 1017 (2026)

The law is replete with dominant narratives endorsed by its letter and amplified by connected and conspiring levers of power. This Article centers the discursive power of law, and specifically, the War on Terror’s grand narrative of “masculine Arab and Muslim terrorism.” By gendering terror…
Continue Reading New Faculty Publications – Summer 2026

Financial troubles are often at the root of both bankruptcy and divorce. If you are contemplating bankruptcy relief as your marital relationship is coming to an end, you may be wondering whether to wait until after the divorce is finalized before filing your petition for Chapter 7 or Chapter 13 bankruptcy.

As we will see, there is no simple answer to this question. What the best choice is for you when considering divorce in light of the bankruptcy process depends on multiple considerations that intersect with each other in different ways based on your unique situation, which can be influenced…
Continue Reading Should I File Bankruptcy Before or After Divorce?

Being charged with a felony in Arizona is a serious matter under any circumstances, including when the charge technically falls into the lowest category. A Class 6 felony sits at the bottom of Arizona’s felony scale but can still lead to jail time and substantial fines, not to mention the potential collateral consequences that may impact your freedom for the foreseeable future. 
Since Class 6 felonies cover a wide range of offenses, many people are surprised to learn they are facing felony-level charges. If you are dealing with a charge like this, learning about what is at stake can help…
Continue Reading The Consequences of an Arizona Class 6 Felony Conviction

By Adam QuitsiniClerking at J.J. Conway Law has been one of the most valuable experiences of my legal journey. From my first day, I was trusted with substantive legal work that allowed me to contribute to real cases involving employee benefits, disability claims, and insurance disputes. I’ve conducted legal research, drafted memoranda, demand letters, appeals, and insurance claims while learning from and working alongside J.J. Conway and Paula Cardwell.What has stood out to me most is the human side of this work. Behind every file is someone facing a difficult situation, often after having legitimate benefits denied or being treated…
Continue Reading Clerking at J.J. Conway Law showed me the human side of employee benefits law