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In Arizona, if you fall behind on your home mortgage payments for long enough, your mortgage servicer may begin foreclosure proceedings against you. Losing your home to foreclosure is not inevitable. 

Depending on your circumstances, you may be able to use one of multiple paths to get current on your mortgage, work with your home lender on an alternative payment strategy, or use federal bankruptcy protection to help keep your home.

At Stone Rose Law, we help Arizona homeowners understand their options in debt relief and foreclosure. For help from one of our attorneys, call us at (480) 739-2448.
Continue Reading How to Stop a Foreclosure in Arizona

In Arizona, the time it takes to foreclose depends on whether your home loan is mortgage-based or a deed-of-trust loan. The former uses a judicial foreclosure sheriff’s sale, while the latter uses a non-judicial foreclosure trustee sale.

The non-judicial foreclosure process in Arizona requires at least 91 days from the recording of the notice of trustee sale before the foreclosure auction. The entire process, including the 120-day pre-foreclosure delinquency period to the final foreclosure sale, might take 211 or more days, or seven to eight months.

Judicial foreclosures in Arizona usually take longer, up to a year.

If you are…
Continue Reading How Long Does Foreclosure Take in Arizona?

It is recommended to stop using your credit card 90 days before filing for Chapter 7 bankruptcy.

Under the federal bankruptcy system, you can get into trouble if you use your credit card (or pay it off) in a way that creates suspicion, if not a presumption of fraudulent intent.

In this blog post, we consider issues about credit card use leading up to a bankruptcy filing and how they can affect your bankruptcy discharge. In particular, we address whether you should continue using your credit card when considering Chapter 7 bankruptcy and how you should treat your credit card…
Continue Reading When to Stop Using Credit Cards Before Filing Chapter 7

In civil court, a judgment is an order issued by the court after the plaintiff prevails on the merits of its case. Judgments are typically measured in money damages that are measured to compensate the plaintiff for its losses or the harm done to it.

If a creditor sues you in Arizona court for a past-due debt and obtains a judgment, they can use that judgment to collect the amount owed—which, with interest and court costs, often exceeds your original debt balance.

If you do not have funds available to pay the judgment award outright, then the creditor may seek…
Continue Reading Can You File Bankruptcy on a Judgment?

A bankruptcy default judgment can occur when you have filed for bankruptcy, and another adversarial proceeding is taking place. If you do not respond in time to the plaintiff’s complaint in the adversarial proceeding, you may be subject to a default judgment in that proceeding. In this situation, the federal bankruptcy court may allow a bankruptcy default judgment against you.

Understanding what a default judgment in bankruptcy means is important because the consequences can negatively affect your personal finances, credit, and your ability to protect your assets.

At Stone Rose Law, our experienced bankruptcy attorneys represent Arizona residents in debt…
Continue Reading What is a Default Judgment in Bankruptcy?

When you file for Chapter 7 bankruptcy, you will create a bankruptcy estate that includes everything you own and everything you are entitled to receive as of the date of your filing. But just because you have filed for Chapter 7 bankruptcy does not mean that your income becomes property of the bankruptcy estate. You can still receive money after you file.

The answer to this question depends on multiple factors. These include:

  • The source of the money
  • When you become entitled to receive it
  • What bankruptcy exemptions may apply

We will consider each of these factors in this blog…
Continue Reading What Happens to Money Received After Filing Chapter 7?

Jonathan Warren, 19, of Sahuarita, Arizona Died in Hit-and-Run Car Accident With Sprinter Van on Interstate 19 in Pima County
Police Vehicles Stop a Sedan
TUCSON, ARIZONA (March 31, 2026) – A pedestrian identified as Jonathan Warren has tragically died in a Sahuarita hit-and-run car accident along Interstate 19.
Pima County officials are saying the accident took place around 1:39 AM on March 3. Arizona troopers received a report about a man walking by the travel lanes of Interstate 19.
By the time they arrived at the scene, they discovered Jonathan Warren in the median lane. He was beyond medical aid and pronounced dead at the scene.
Continue Reading Jonathan Warren Killed in Sahuarita Car Accident on Interstate 19

In Arizona, all drivers are expected to obey traffic laws and adhere to the correct standards of care behind the wheel. There are many roadway rules in place to help improve public safety and prevent car accidents. One is Arizona’s reckless driving law, which if broken can result in fines, jail time and driver’s license suspension.
If you are facing reckless driving charges, contact our Arizona reckless driving lawyer to discuss your legal options. Schedule your free consultation today.
Reckless Driving Law in Arizona: ARS §28-693
The moving violation known as “reckless driving” is defined in Arizona Revised …
Continue Reading What Is Considered Reckless Driving in Arizona?

Key Takeaways

  • Arizona classifies misdemeanors into three classes, with class 3 the least severe.
  • First-time offenders face up to 30 days in jail, a $500 fine, and up to one year of probation.
  • Arizona imposes a one-year statute of limitations for class 3 misdemeanors.
  • A repeat conviction within two years shifts sentencing to class 2 misdemeanor penalties.
  • A class 3 misdemeanor conviction carries many serious consequences, including effects on employment, housing, and professional licensing.

At The Law Offices of John Phebus, our criminal defense lawyers represent individuals across Arizona who need clear answers after an arrest. We defend people…
Continue Reading Class 3 Misdemeanors in Arizona

In the over fifty years I have been practicing law, on a few occasions I have succumbed to the temptation to take a case in a field with which I was not familiar. I regret those decisions. I made mistakes due to my lack of familiarity. Thankfully my clients did not suffer any harm from my errors. I hope the lawyers among you learn from my mistakes.

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Hey, Lawyers, Resist The Urge To Dabble 2

Over the last 45 years, I have spent most of my time working in the area of medical malpractice litigation. I started out defending doctors…
Continue Reading Hey, Lawyers, Resist The Urge To Dabble

Arizona State Police Investigating Deadly Semi-Truck Accident by the Phoenix-Tolleson Border

PHOENIX, ARIZONA (March 29, 2026) – A woman has tragically died in a semi-truck accident near the Phoenix-Tolleson border by 75th Avenue and Sherman Drive.
Maricopa County officials are saying that the accident took place shortly before 4:00 AM on Saturday morning. A woman was traveling down the road in a white SUV when she was involved in a collision with a semi-truck.
The force of the impact caused major front-end damage to the SUV. Firefighters and paramedics were called to the scene of the accident to help the victim.
Continue Reading Woman Killed in Phoenix Semi-Truck Accident by 75th Avenue and Sherman Drive

Mesa Police Department Investigating Deadly Truck Accident That Killed Motorcyclist in the Area of Greenfield Road and Desert Lane

MESA, ARIZONA (March 29, 2026) – A motorcyclist tragically died in a Mesa truck accident near the area of Greenfield Road and Desert Lane, not far from Baseline Road.
Mesa police officials are saying that the accident took place around 11:30 p.m. on Wednesday night. A motorcycle was traveling down the road when they were involved in a collision with a truck.
Paramedics were called to the scene of the accident to help the injured victim. He was taken to the hospital…
Continue Reading Motorcyclist Killed in Mesa Truck Accident by Greenfield Road and Desert Lane

Since 2015, Arizona has seen extensive testing and use of advanced technology self-driving motor vehicles, fielded by companies like Uber, Waymo, and Tesla. This experience has not come without human and material cost: Arizona has seen more than 400 accidents and other incidents involving self-driving vehicles since 2019, including injuries and fatalities.

When an accident involves a driverless car, legal issues of accountability include who is responsible for the resulting injuries and property damage. But when no driver is involved in a car crash, who is responsible?

At Stone Rose Law, we represent motorists, passengers, pedestrians, and others who have…
Continue Reading Arizona Self-Driving Car Accident Lawyer

The self-driving car industry and its products are here to stay in Arizona. This means that your chances are higher of finding yourself involved in a traffic accident with a vehicle in which the human occupant, if there is one, will have played little or no role in operating it.

Cars and trucks that use self-driving technology introduce questions about who is responsible when they get into collisions. In this blog post, we consider issues of legal liability that can come into play if you get into an accident with an autonomous vehicle.

If you have been injured in an…
Continue Reading Who is at Fault in a Self-Driving Car Accident?

Key Takeaways

  • A wrongful death lawsuit holds a negligent party financially accountable for a death they caused.
  • Arizona law allows surviving spouses, children, parents, or an estate’s personal representative to file a claim.
  • Recoverable damages may include medical costs, funeral expenses, lost income, and loss of companionship.
  • Arizona sets a two-year filing deadline, starting from the date of death.

Losing a family member unexpectedly may lead to grief, financial pressure, and unanswered questions. Grief and shock are often combined with a need for justice. This leads to questioning: How was my loved one killed? What is a wrongful death lawsuit?
Continue Reading What Is a Wrongful Death Lawsuit?

Investigation Underway After Pedestrian Died in Collision With Pickup Truck in Sun Lakes

SUN LAKES, ARIZONA (March 26, 2026) – A pedestrian has tragically died in a Sun Lakes car accident by the intersection of Alma School Road and Riggs Road.
Maricopa County officials are saying that the accident took place around 8:00 p.m. on Tuesday. A pedestrian was crossing the roadway and using the crosswalk when they were struck by a Ford F-150 pickup truck.
Paramedics were called to the scene of the collision to help the injured victim. Life-saving efforts were attempted. Sadly, he was beyond medical aid and…
Continue Reading Pedestrian Killed in Sun Lakes Truck Accident