Liens and Personal Injury: An Introduction   If you find yourself injured in an automobile accident, your primary focus is to get better. What you really want is to return to your pre-accident condition from a physical standpoint. However, this can also be a confusing time. In addition to focusing on your recovery, you will need [...]

Debt Collection Activities, continued The for Arizona business owners, four most effective and common types of debt collection activities are the demand letter, mediation, arbitration, and litigation. The value of these processes varies in every case, but the explanations of each one are explained below. This is the last in a series of articles from [...]

Types of Collections Activities The four most effective and common types of debt collection activities in Arizona are the demand letter, mediation, arbitration, and litigation. The value of these processes is all case-specific, but the particulars of each one are explained below. This is the fourth in a series of articles from the Pak & [...]

Affirmative Defenses If a business is demanding debt repayment from a client, a common reaction of the debtor within the legal process is that of an affirmative defense, such as payment, or an argument that the work was sub-standard. This means that the defendant admits to the nonpayment of debt and provides a justification for [...]

Starting The Debt Collection Process So you provided the goods or services, and not been paid. What next? In order to begin the procedure, the business to which money is owed must show each of the following Evidence of Debt – any and all paperwork to show that a service was performed the customer, but [...]

Contract Litigation – Collecting Debts Many businesses in today’s market are finding themselves endlessly waiting for payment from their clients. This all-too-common scenario results when customers refuse to pay for work that has already been completed. For service providers who find themselves tangled up in collecting money owed to them, legal help is available. If [...]

Arizona Foreclosure Timetable Are you an Arizona homeowner who has been having trouble with your mortgage payments? Have you suddenly been faced with letters from your lender saying you are in default of your mortgage? If so, without a proper course of action, you may be in danger of losing your home. The following is [...]

Loan Modification Are you a homeowner who is having trouble making your mortgage payments? Would you like to avoid foreclosure and stay in your home? If so, loan modification is a viable solution that should be explored. This process is the renegotiation of your mortgage loan in order to change the terms of your loan [...]

Deed in Lieu If a property owner does not qualify for the anti-deficiency laws under Arizona statutes, a deficiency judgment against the owner can sometimes be avoided by deeding the property back to the lender prior to foreclosure. This is known as a deed-in-lieu of foreclosure, and the homeowner is giving the property back to [...]

Anti-Deficiency Statute Homeowners who choose short sales as alternatives to foreclosure often wonder if they will be held responsible for the difference between the amount their house sold for and the amount owed on the mortgage. In most cases, the Arizona Anti-Deficiency Statute will protect homeowners from having to financially answer for the deficiency between [...]