If you are married and considering bankruptcy, how it will affect your spouse depends on whether you are filing individually or your spouse is filing with you. This decision can affect your separate and joint debts and your separate and marital property.

Your decision about whether to file bankruptcy separately or together with your spouse depends on carefully considering multiple factors. We address these below.

If you would like to know if bankruptcy is right for your specific situation, please call Stone Rose Law at (480) 739-2448.

Common Considerations in Separate and Joint Bankruptcies

As a general rule, if…
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At Stone Rose Law, our bankruptcy lawyers represent Spokane residents during bankruptcy, including Chapter 7 bankruptcy and Chapter 13 bankruptcy. 

Spokane is home to the U.S. Bankruptcy Court for the Eastern District of Washington.

If you are considering bankruptcy in Spokane or eastern Washington, call us at (480) 739-2448 or use our contact form to schedule a free initial consultation with an experienced Spokane-based bankruptcy lawyer.

Our Bankruptcy Practice Areas and Resources

At Stone Rose Law, our bankruptcy law attorneys provide legal advice and representation for all your debt relief needs. The most common of these are Chapter 7…
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Facial scarring can happen to you from any of several causes, including but not limited to automobile accidents, accidents at work, physical assaults, and animal attacks. Facial scars are often permanent or can take years to address through surgery. They can result in significant insurance settlement payouts or substantial judgment awards in personal injury claims.

Stone Rose Law represents Arizona clients in various types of personal injury cases, including those involving facial scar compensation. 

Here, we cover some examples of facial scarring settlements and trial verdict amounts, the different kinds of scars that can occur, and factors that go into…
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Generally, all brain injuries are a variation of a traumatic brain injury (TBI). Within the overarching term of TBI, variables include whether the injury is open or closed, and whether it is mild, moderate, or severe.

The specific type of traumatic brain injury you experience and its effects can have a bearing on how much you might receive in compensation.

Stone Rose Law represents victims of traumatic brain injuries to recover fair compensation for the physical, mental, emotional, and daily life activity consequences of TBI. 

In this post, we take a deeper look at the kinds of TBIs that you…
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A sideswipe collision describes what happens when two vehicles traveling in the same or opposite directions make side-to-side contact. They can lead to extensive property damage and serious injuries. Determining liability for a sideswipe accident is an important step to recover compensation through an insurance settlement or a civil lawsuit.

The 2024 data gathered by the Arizona Department of Motor Vehicles shows that sideswipe accidents occur frequently in the state: about one in every five multi-vehicle accidents is a sideswipe.

Because of their frequency, it is important for Arizona drivers to understand how these accidents happen and their effects. In…
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Flagstaff is a mecca for skiers and snowboarders because it receives so much snowfall, averaging more than 90 inches a year. With this popularity, however, comes the risk of getting into a skiing accident that can cause serious injury or even a wrongful death. 

Ski accidents that result from the negligent or reckless behavior of others, including a ski resort or ski equipment manufacturer, can be compensable.

To learn more about your possible legal options after a ski accident in Flagstaff or elsewhere in Arizona, call Stone Rose Law at (480) 631-3025 to speak with an experienced personal injury …
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Falling behind on student loan payments can quickly trigger collection actions, wage garnishment, and aggressive servicing tactics. Chapter 13 bankruptcy does not erase most student loans, but it can stop collection activity and create a structured, court-supervised plan to manage them. 

For help understanding how student loans are treated in Chapter 13 bankruptcy and how this option may apply to your situation, call Stone Rose Law at (480) 739-2448 to speak with a bankruptcy attorney.

Understanding Student Loan Debt in Bankruptcy

Student loan debt is treated differently from most other debts under bankruptcy law. Federal student loans and many private…
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Student loans behave differently from most other debts in bankruptcy, and misunderstanding how they are treated in Chapter 7 can lead to bad decisions and missed opportunities. While Chapter 7 does not automatically erase student loans, it can still play an important role in stopping collection actions, stabilizing finances, and setting up a longer-term strategy. 

To discuss how Chapter 7 bankruptcy affects student loans and whether filing makes sense in your situation, call Stone Rose Law at (480) 739-2448 to speak with a bankruptcy attorney.

Chapter 7 Bankruptcy and Student Loans

Bankruptcy law treats student loan debt differently from other…
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Student loan garnishment can start with little warning, reduce your paycheck every pay period, and make it harder to keep up with basic living expenses. 

Many borrowers believe there is no way to stop student loan garnishment once it begins, but that is not accurate. There are several legal and administrative options available, and the right approach often depends on whether garnishment has already started and whether the loans are federal or private.

If you are facing student loan garnishment or have received a garnishment notice, call Stone Rose Law at (480) 739-2448 to speak with a bankruptcy attorney about…
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In Arizona, if you have children under eight years of age, you must secure them in an appropriate, approved child restraint system when operating a motor vehicle. Failure to use a child restraint system as required by Arizona law can result in a civil penalty of $50.

At Stone Rose Law, we represent people injured in motor vehicle accidents in Arizona, including parents filing lawsuits on behalf of their children. In this article, we examine Arizona’s legal requirements for child restraint systems, also known as child safety seats or child booster seats, and how these safety seats can affect your…
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Trucks and passenger vehicles that are involved in car accidents will sometimes roll over. This can result in severe injuries or even fatalities. Rollover accidents in Arizona are subject to personal injury claims for common injuries that result from them. 

If you have been involved in a rollover accident that is the fault of someone else, Stone Rose Law can represent you in settling your claim with an insurance company or in court.

Call us at (480) 631-3025 to speak with one of our rollover accident lawyers, or contact us online to set up a free initial consultation.

In this…
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A grade 3 whiplash injury, which is characterized by neck pain and nerve damage associated with a spinal injury, is based on the scale adopted by the Quebec Task Force on Whiplash-Associated Disorders.

Settlements for a Grade 3 whiplash injury can run from $25,000 to $100,000.

At Stone Rose Law, we represent Arizona clients suffering from all forms of whiplash injuries. If you are suffering grade 3 whiplash after an accident where you were not at fault, call us at (480) 631-3025 or contact us online to speak with one of our experienced personal injury attorneys.

How Much Will…
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Based on the Quebec Task Force on Whiplash-Associated Disorders, a Grade 4 whiplash injury is characterized by physical damage to vertebrae in your neck and possible injury to your spinal cord.

An average payout for a Grade 4 whiplash injury typically ranges from $100,000 to $300,000 or more, depending on the specific circumstances of the injury and your long-term prognosis.

At Stone Rose Law, we represent Arizona clients suffering from all grades of whiplash injuries. 

If you are suffering from grade 4 whiplash due to an accident that was not your fault, call us at (480) 631-3025 or contact …
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