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Hamid Jabbar

Hamid Jabbar

Robo-Signing Problems in Arizona?

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Some may recall when Bank of America halted all foreclosures nationwide last October after news began circulating that some servicers had employed shortcuts such as “robo-signing” during the foreclosure sale process. The problem for Arizona is that almost 100% of so-called “foreclosures” here are not really foreclosures at all. Rather, they are non-judicial sales initiated […]

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Keeping Your Car In Bankruptcy

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Unless you are lucky enough to live in an area of town with good access to the light rail, you probably have a car to get you around town. Many people contemplating a bankruptcy are concerned about losing their car. After all, without a car, how are they to get to work and make the […]

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Information For Individuals With Limited English Proficiency

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Although if you are reading this post, you probably have no need for these services, you may know someone who is not proficient in English. For persons filing Bankruptcy with limited English language proficiency, the U.S. Trustee Program of the Department of Justice offers free telephonic interpreter services in as many as 196 languages. In […]

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Supreme Court Rules On Chapter 13 Vehicle Expense

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An issue confronted by Chapter 13 debtors with above median income and no loan or lease payment on their vehicle has finally been answered by the United States Supreme Court. In In Ransom v. FIA Card Services, N.A., No. 09-907, 562 U.S. _____ (2011), the issue was “whether a debtor like petitioner Jason Ransom who owns […]

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The Bankruptcy Estate

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One of the most difficult concepts to explain during a short 30-minute consultation with a potential client is the concept of the Bankruptcy “estate.” Sometimes the easiest way to explain it is with analogy to death. When a person dies, their “estate” consists of all assets they held at the time of their death. Similarly, when […]

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Why am I doing Chapter 13?

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This is a question I tend to get a lot from my clients who are in the middle of a Chapter 13. Most often, the question is from a client who otherwise qualified for a Chapter 7 but was intent on saving their home from foreclosure and decided to file under Chapter 13 to cure […]

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Student Loans: The Next Credit Bubble

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Due to the whittling away of consumer protections over the past 40 years, student loans remain a large part of our national debt bubble that does not have an immediate release valve.  According to CollegeScholarships.org, outstanding student loan debt currently stands at $829 billion nationally.  Most of the time student loans cannot be discharged in […]

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Property Tax Bills Finally Catching Up With Housing Crisis

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Arizona property-tax bills are in the mail and they finally are reflecting the decline in housing prices across the state.  Many wonder why it took so long for assessments to catch up with the market.  According to an article in the Arizona Republic, there is a two year lag.  The current property-tax bills are just […]

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Bankruptcy & Housing News Round Up

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Bankruptcy Filings Fell 8% in August According to the American Bankruptcy Institute, consumer bankruptcy filings fell 8% in August to 127,028 total filings.  This was in contrast to the month of July, which saw filings increase 9% from June. Month-to-month variations are expected.  Over the course of this year, filings are up from 2009 year-to-date […]

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New York Times Features Cave Creek Housing Crisis

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A short piece appeared in the Business section of the Times on March 22, the subject of which was Cave Creek, Arizona.  The article, available here, is entitled “Microcosm of Housing Crisis on an Arizona Street.”  It profiles several families living on the same street in Cave Creek and their differing experiences during this housing […]

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