Frequently Asked Questions (FAQ’s)

 What to do if you have a judgement against you.

In this article we are going to discuss what to do if you receive a judgment, have creditors garnishing your bank accounts or paychecks.  We will also go over what type of money is exempt from judgments and we’ll give you some tips to know what types of harassment is illegal when it comes to your creditors and their interactions with you. Read more…  Back to Index

 What is the Arizona probate court process?

In this weeks article, we wanted to help educate you on the Arizona probate court process, what the word probate actually means, the types of probate, how to avoid probate, and much more. Read more…  Back to Index

 What is an IID or Ignition Interlock device?

An IID or Ignition Interlock device is a device that is installed in your car, a little larger than a cell phone and used to monitor your breath when exhaled into it. Read more…  Back to Index

 What is an IID or Ignition Interlock device?

An IID or Ignition Interlock device is a device that is installed in your car, a little larger than a cell phone and used to monitor your breath when exhaled into it. Each time you start your vehicle you must first blow into the IID device. If you have alcohol on your breath the vehicle will not start. While you are driving the Ignition Interlock device may randomly require you to blow into it to ensure that you still are not impaired. If at any time you blow into the IID device and you are impaired the IID will log the event, warn you and then set an alarm (for instance your lights will begin to flash). The alarm will turn off once the ignition is turned off or whenever a clean breath has been provided into the Interlock device. The Arizona Department of Transportation (ADOT) noted that they’ve seen a 40-95 percent reduction in the rate of repeat impaired driving offences when the IID device remains in the vehicle.  Back to Index

 What is the process of filing Bankruptcy?

One of the most important parts of filing bankruptcy is understanding what each of the types of bankruptcy whether its Chapter 7, Chapter 11 or Chapter 13 bankruptcy.  With our FREE consultation we will help educate you in the best bankruptcy filing specific to your needs.  With The Wesbrooks Law Firm, PLLC sometimes we are able to get you filing bankruptcy the same day that you visit us, but all cases are different and so may yours. Here are the steps we’ll take to making the best determination for you:

1. Call us today at (602) 262-4357 to speak to an attorney* or fill out our online FREE consultation form so that we can contact you!
2. One of our staff members that answer your phone call will ask you some simple questions about your debt and types of debt you have before you speak to one of our attorneys*.
3. We will then set up an appointment for a FREE consultation whether its an in office or a telephone conference (whichever is easiest for you) if an attorney is in a meeting or in court the day you call us.
4. Once you speak to one of our attorneys and you’ve decided that choosing The Wesbrooks Law Firm, PLLC is the best decision, than we will need you to come in to our offices.
5. When you come into one of our conveniently located offices in Scottsdale or our headquarter office in Peoria, Arizona we will have you fill out a Debt/Bankruptcy intake form for our lawyers to review.
   1. This intake is a long questionnaire about your financial situation, debt, creditors, loans, etc.
6. After we’ve reviewed your case, you can retain us, then we’ll hand you a bankruptcy packet
   1. The bankruptcy packet discloses personal information, assets that you may have, liability and financial information.
7. Now that you’ve filled out the forms you’ve met with one of our qualified bankruptcy attorneys, you will then meet with one of our case managers to start the process of your filings and go over any of the additional questions or details about the bankruptcy filing.

*If the attorney or attorneys are in a meeting or in court we will schedule a time for you to speak to them in person or via telephone conference.  Back to Index

 What kind of questions do you ask me about my debts?

Whether this is your first time or you’ve filed before, one of the most important parts of your bankruptcy case is the questions we ask is about your debts.  If we know what type of debts you are lingering over your head than we can have a better assessment of what type of bankruptcy is correct for your case.  There are three types of bankruptcy that The Wesbrooks Law Firm, PLLC handles which are; Chapter 7, Chapter 11 and Chapter 13 bankruptcy. Once we decide which bankruptcy is best for you or your business we will need to ask you several questions about your debt:

• How long have you lived in the state
• Your current financial situation
• What types of creditors you have
• What type and how much you have in loans & debt that are affiliated with you or your business
• Other financial matters that will need to be filed within your bankruptcy case

The more information you can provide to us, the better off and smoother your case may go.  Once we review the information you provide and you’ve retained us, we will then give you a larger file to go through at your leisure specifically laying out the types of debts that you have, along with any other type of finances either going in or out.  Back to Index

 What is Bankruptcy reaffirmation?

The short description is that reaffirmation agreement via the United States bankruptcy law is made between you and your creditor. Basically, it says that the debt that you owe on will still be owed even after you file your bankruptcy case. Want a longer explanation, visit our blog for a full write up of Bankruptcy reaffirmation.  Back to Index

 I’ve made the last payment of my Chapter 13 Plan Payment, what now?

Great question and we get this a lot!  The first thing we will tell you is that there is just a bit more work that you need to do.  You have a trustee, and that trustee will need verify that you’ve completed the “Order Confirming the Chapter 13 case”.  After the report from the trustee has been filed, the US Bankruptcy Court will mail you a form that is title “Certification of Eligibility for Chapter 13 Discharge”.  If you have already completed your second Financial Management Course than after final verification your Chapter 13 case is discharged.  Want to know more about what to do?  Visit our “What happens after I complete my last Chapter 13 Plan Payment” blog today!  Back to Index

 I’ve filed for bankruptcy with your firm, whats next?

Now that you’ve filed for bankruptcy you may be looking for “whats next”?  Good question and we are always here to help you Monday through Friday from 8:30 AM until 5:00 PM, so never hesitate to give us a call.  But, back to your question, you’ll be assigned a Case Manager and a Bankruptcy Trustee.  The Bankruptcy Trustee is assigned by the U.S. Department of Justice while the Case Manager is our own firms Case Manager.  You will need to go through 2 types of credit counseling both at different times.  You may want something a bit more in detail which is why we actually answered this question on our blog called “I’ve filed for bankruptcy, whats next?“.  It goes through the steps of a typical bankruptcy, feel free and give it a read.  It should answer any questions you may have about what to do next.  Back to Index

 What do I do if I have been in a car accident?

If you’ve been hurt in any type of car accident than there are a few things that you must do right away:

1. Call 911 immediately and if you can pull off to the side of the road, please do so. If you cannot move yourself or the car, than stay put, do not try to move other than to try and call for help.
2. If you ARE responsible for the car accident, and you are not seriously hurt, than assure that the other drivers are ok. Then, call your insurance company immediately and inform them of the situation.
3. If you ARE NOT responsible for the car accident, and you are not seriously hurt, than assure that the other driver is ok. If the other person involved is not critically injured and responsive, advise them to call their insurance provider and inform them of the situation.  What this does is it already discreetly establishes liability of the car accident.
4. Once an officer arrives, give the full honest story of the event and then go to your local emergency room for an immediate evaluation.
5. After you have been discharged, depending on the accident and how you are feeling, you may now want to make an appointment with a qualified attorney and your medical provider.

Sometimes you may not actually feel a thing right away right after your accident because your adrenaline may be pumping through your body so much.  You may feel “just fine”, but the next day or next couple of days you may start to feel some type of pain.  The last thing you want to do is to go on record with the other drivers insurance company stating that you are “just fine”.  Instead, when the other drivers insurance company calls you mention the accident, but if you are unsure of your physical well being at the moment let them know this.  Inform them that you may need to speak with an attorney first, because what you say to them can be held against you later if you do end up making a claim of any bodily harm.