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?

Congratulations to Frazer Ryan Goldberg & Arnold LLP Partner Kelsi Lane on her re-election to the State Bar of Arizona’s Board of Governors (2026–2029). Kelsi will help guide the Bar’s work supporting attorneys, promoting professionalism, and advancing access to justice across Arizona. Kelsi will serve as President in 2027–2028.
The post Frazer Ryan Congratulates Partner Kelsi Lane on her re-election to the State Bar of Arizona’s Board of Governors appeared first on Frazer Ryan Goldberg & Arnold, LLP.
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Arthur Brooks draws a distinction that should make every professional stop and think. There are two fundamentally different categories of problems in the world, and confusing one for the other is one of the most common mistakes professionals make. A complicated problem is hard, but it is ultimately knowable. It can be mapped, modeled, and solved with enough technical skill and computing power. On the other hand, complex problem resists solution by its very nature. It is unpredictable, emergent, and alive in a way that defies any checklist or formula.

For me, as an attorney, complicated problems are the bread…
Continue Reading Complicated vs. Complex: Why Professionals Keep Solving the Wrong Problem

Jonathan Warren, 19, of Sahuarita, Arizona Died in Hit-and-Run Car Accident With Sprinter Van on Interstate 19 in Pima County

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

You should strongly consider hiring a lawyer for a DUI charge in Phoenix. Arizona has some of the strictest DUI laws in the nation. Even a first offense carries mandatory jail time, fines, and license consequences. A Phoenix DUI attorney can evaluate your case, challenge evidence, and work to minimize or eliminate penalties.
Arizona DUI Penalties
Unlike some states that may be lenient with first-time offenders, Arizona takes a strict approach from day one. Even if this is your first offense and you’ve never been in trouble before, you’ll face serious consequences.
First Offense
Under Arizona Revised Statutes Title…
Continue Reading Should I Get a Lawyer for a DUI in Phoenix, AZ?

Your practice area pages are being read by two very different audiences: potential clients and the AI systems that increasingly decide which firms get found. The problem is that most law firm websites are written for only one of them. Generic phrases like “aggressive representation” and “dedicated to the best outcome” aren’t just boring – they’re invisible to AI. This post explains what AI systems actually look for, and shows you how to rewrite your pages with examples across DUI, personal injury, estate planning, family law, business law, and civil litigation.
The post How Lawyers Can Turn Fluff on Practice …
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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

Frazer Ryan Goldberg & Arnold, LLP, a leading Arizona-based law firm, is pleased to announce that the Firm has been voted as a top law firm in six Ranking Arizona: The Best of Arizona Business categories in the 2026 issue. The Firm was voted #1 in Law: Tax for the fourth year […]
The post Frazer Ryan Goldberg & Arnold voted as a top law firm in six Ranking Arizona categories in the 2026 issue appeared first on Frazer Ryan Goldberg & Arnold, LLP.
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When public employers conduct workplace investigations—especially those involving law enforcement or public safety personnel—the process becomes complex when potential criminal conduct overlaps with administrative misconduct. In these instances, investigators must protect both the agency’s right to accountability and the employee’s constitutional rights. The tool used to maintain this balance is the Lybarger admonition.What Is A Lybarger, Anyway?The Lybarger admonition originates from the California Supreme Court’s decision in Lybarger v. City of Los Angeles (1985) 40 Cal.3d 822. The case established that while a public employee may be compelled to answer questions in an administrative investigation, any statements…
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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.

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…
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