Personal Injury: If you Have ERISA Privately Funded Health Insurance
When you are the victim in a car accident and your primary care provider is an ERISA plan provided by your employer (generally a large corporation) , there is a likelihood that you will have to reimburse the health care plan for a portion of your [...]

New Changes to the Arizona Anti-Deficiency Statute:
What It Means for Homeowners
The Arizona State legislature in conjunction with Governor Jan Brewer recently passed a new bill amending the Arizona Anti-Deficiency Statute. As explained in a previous article on the Pak & Moring site, this law had generally served to protect borrowers by prohibiting mortgage lenders from [...]

Balance Billing or Provider Liens
An Important Note on Personal Injury Settlements
If you are fortunate to have health insurance, you may still be held liable for a portion of the cost of your medical care for injuries suffered as a result of an automobile accident. This is because the amount of money paid by your insurance [...]

Personal Injury: If you have AHCCCS
If you get hurt in an automobile accident, then your first priority should be to seek treatment for your injuries and get better as soon as possible. However, if your medical expenses are covered by the Arizona Health Care Cost Containment System (AHCCCS), you may run into several obstacles [...]

Personal Injury: If you Have Medicare
If you find yourself injured from an automobile accident, your primary focus is to get better. However, this can also be a confusing time, as insurance companies may be contacting you for various details of the accident and the medical care you received. While all accidents are different, an experienced [...]

Personal Injury: If you Have Private Health Insurance
If you are hurt in a car accident, need medical attention, and have your own health insurance, your insurance should cover the cost of your treatment. Upon seeking treatment, your primary health insurance will cover as much as is mandated by your policy. Arizona case law dictates that [...]

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 deal with [...]

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 the [...]

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 & Moring [...]

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 that [...]