The Law Office of Barry W. Rorex has provided the following links as a convenience to the consumers and businesses in Tucson and throughout Central and Southern Arizona seeking information about personal bankruptcy, debt solutions, landlord-tenant relations or civil litigation. We hope that you find this information to be helpful, and if you have further questions or would like to know more about the legal services that The Law Office of Barry W. Rorex can provide, do not hesitate to contact our office at 520.495.7596 for a free initial consultation.
The following link takes you to the United States Bankruptcy Court for the District of Arizona. It provides contact information and directions to the Tucson and Phoenix Divisions.
The American Bankruptcy Institute provides bankruptcy education programs and is dedicated to research and education on matters related to insolvency. The ABI also publishes various newsletters and journals on bankruptcy.
There is a wealth of helpful information on the website for the United States Bankruptcy Courts. In particular, the pages dealing with Chapter 7, Chapter 13 and Bankruptcy Basics are informative for people seeking basic advice on the subject.
You can download the entire bankruptcy code or individual chapters from this link to the U.S. House of Representatives. Helpful individual chapters include Chapter 7 liquidation and Chapter 13 debt reorganization, or “wage earner’s plans.”
Debt Solution Resources
Arizona operates under the Fair Debt Collection Practices Act (FDCPA), a federal law that regulates and governs the practices of bill collectors and creditors. The Federal Trade Commission (FTC) is the governmental body that regulates the FDCPA.
You have a legal entitlement to a free copy of your credit report each year from the three main consumer credit reporting agencies (TransUnion, Experian, and Equifax). A smart way to go about ensuring your credit report contains no inaccuracies is to request a report from a different agency every four months. This allows you to keep a watchful eye on your credit report without having to pay. The official site for obtaining your free credit report is AnnualCreditReport.com.
Passed in 2009, the Credit Card Accountability, Responsibility, and Disclosure Act (CARD Act) significantly altered the duties of credit card companies in regards to disclosure of interest rates and other terms on your bill. The Federal Reserve posted a summary of those requirements here.
This link takes you to the Office of the Secretary of State in Arizona, where you will find the Arizona Residential Landlord and Tenant Act. It can be downloaded for free and explains tenant’s rights and landlord obligations in the state of Arizona.