The answer depends on the specific facts of the case. Some dog bite cases settle within a few months, while others may take a year or longer if liability is disputed or the case proceeds to trial. In general, it is usually better to fully understand the extent of your injuries before accepting a settlement.

Every dog bite case follows its own timeline, but most claims move through several common stages before reaching a settlement or verdict.

The length of the process often depends on:

• The severity of the injuries
• Whether liability is disputed
• The amount of available insurance coverage

…
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When property owners fail to take reasonable steps to keep visitors safe, preventable crimes can occur. Victims may suffer life-changing physical injuries, emotional trauma, and significant financial losses because a business, apartment complex, hotel, or other property failed to provide adequate security.

If you were injured because of negligent security in Arizona, Stone Rose Law can help you understand your legal options and pursue compensation from the responsible parties. 

Negligent security is a type of personal injury claim, and holding a property owner accountable often requires an experienced negligent security attorney who can prove that reasonable measures could have prevented…
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Life after Chapter 7 bankruptcy is, for many people, a genuine fresh start. A Chapter 7 discharge marks the end of one legal process and the beginning of another. While bankruptcy can eliminate many unsecured debts, rebuilding your financial life does not happen overnight. 

Your credit report will reflect the filing for years, and obtaining new financing may take time. At the same time, many people find that eliminating overwhelming debt gives them an opportunity to regain financial stability and make progress toward long-term goals.

Understanding what to expect after your discharge can help you make informed financial decisions and…
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Filing for bankruptcy is a major financial decision. There are real consequences of filing bankruptcy, such as damaging your credit score, but important protections can help people regain financial stability after overwhelming debt.

It is important to understand both the drawbacks and the benefits before deciding whether bankruptcy is right for you.

At Stone Rose Law, we help Arizona residents evaluate their options and determine whether bankruptcy is the best path forward. 

Contact our office at (480) 739-2448 or use our online contact form today to schedule a consultation with an experienced bankruptcy attorney.

Common Issues When Filing 

The consequences…
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Filing for Chapter 13 bankruptcy involves more than submitting a bankruptcy petition. Throughout the case, you must continue meeting certain tax obligations while you complete your court-approved repayment plan. 

Understanding these Chapter 13 tax return requirements can help you avoid unnecessary delays, protect your bankruptcy case, and move closer to receiving a discharge.

One of the most important requirements is staying current on your tax filings. Before your case can move forward, you generally must have filed all required federal income tax returns for the four tax years preceding your bankruptcy filing. 

Once your case begins, you must continue filing…
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A bankruptcy trustee is an independent person appointed to oversee certain aspects of a bankruptcy case. Trustees are appointed through the U.S. Trustee Program, which is part of the U.S. Department of Justice. 

The trustee does not represent you, your creditors, or the bankruptcy judge. Instead, the trustee serves as a neutral administrator whose job is to ensure that bankruptcy laws are followed and that the case is handled properly.

Filing for bankruptcy can feel overwhelming, especially when you encounter unfamiliar terms like “bankruptcy trustee.” Many people assume the trustee works for the bankruptcy court or represents their interests. In…
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Some IRS debt can be discharged in Chapter 13, but not all IRS obligations qualify. Whether IRS debt can be discharged depends on the facts of the case, the type of liability involved, and several timing rules.

However, Chapter 13 bankruptcy may still help even when IRS debt is not dischargeable.

Stone Rose Law helps Arizona debtors review IRS debt, Chapter 13 options, tax liens, and discharge issues. 

Call Stone Rose Law or use our online contact form for a free consultation with a bankruptcy attorney.

How Chapter 13 Treats IRS Debt

Chapter 13 allows an individual debtor with regular…
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Insolvency and bankruptcy are related, but they are not the same thing. Insolvency describes a financial state. Bankruptcy is a legal process.

A person or business may be insolvent when they cannot pay debts as they come due or when their liabilities exceed their assets. Bankruptcy is the court process that may allow a debtor to address debt through liquidation, repayment, restructuring, reorganization, or discharge.

Stone Rose Law helps Arizona individuals and businesses understand debt-relief options before financial pressure becomes harder to manage. 

Call Stone Rose Law or use our online contact form for a free consultation with a bankruptcy…
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Individuals can technically file bankruptcy without a lawyer, or pro se. However, filing bankruptcy without a lawyer is rarely a good idea. 

Bankruptcy has strict requirements. A single mistake can lead to dismissal, lost assets, and long-term financial consequences.

Stone Rose Law helps Arizona debtors understand their bankruptcy options before they file. 

If you are considering Chapter 7 or Chapter 13, call Stone Rose Law or use our online contact form to schedule a free consultation with a bankruptcy attorney.

What Does Pro Se Bankruptcy Mean?

Pro se bankruptcy means a debtor files a bankruptcy petition without a lawyer. Individuals…
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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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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,…
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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