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	<title>Scott Hyder Law</title>
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		<title>The ABCs of HOAs</title>
		<description><![CDATA[Homeowner associations are common in Arizona.  As a long time Arizona real estate lawyer, I have frequently drafted HOA governing documents that set forth the powers and responsibilities of HOAs.  If homeowners don't elect a competent Board of Directors, the HOA's stability becomes a serious risk.]]></description>
		<link>http://scotthyderlaw.com/the-abcs-of-hoas/</link>
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		<title>Should I Use a Debt Settlement Company?</title>
		<description><![CDATA[Debtors commonly explore their options with a debt settlement company before consulting with an Arizona bankruptcy lawyer.  Most debtors get discouraged with the entire debt settlement process.  In most circumstances, choosing to file a Chapter 7 or Chapter 13 bankruptcy is a more efficient and better option.]]></description>
		<link>http://scotthyderlaw.com/should-i-use-a-debt-settlement-company/</link>
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		<title>Have You Received a Complaint and Summons?  Your Wages Could Be Garnished</title>
		<description><![CDATA[Most debtors who are served with a summons and complaint will receive a judgment against them that will permit garnishment of their wages.  Unless the creditor agrees to some type of payment plan, an Arizona bankruptcy lawyer may advise the debtor to file a Chapter 7 bankruptcy or Chapter 13 bankruptcy. ]]></description>
		<link>http://scotthyderlaw.com/have-you-received-a-complaint-and-summons-your-wages-could-be-garnished/</link>
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		<title>Arizona Court Holds that the Arizona Anti-Deficiency Statute Applies to Construction Loans</title>
		<description><![CDATA[Any competent Arizona real estate lawyer, Arizona foreclosure lawyer or Arizona bankruptcy lawyer will agree that the Arizona anti-deficiency statute is one of the most important Arizona laws protecting borrowers with loans secured by a residence. This statute will prevent many mortgage lenders from suing debtors for any deficiency amount after a foreclosure occurs.  In a surprise ruling, a recent Arizona Court of Appeals case has extended the Arizona anti-deficiency statute to construction loans.]]></description>
		<link>http://scotthyderlaw.com/arizona-court-holds-that-the-arizona-anti-deficiency-statute-applies-to-construction-loans/</link>
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		<title>Credit Card Charges for Christmas Presents!  Say Hello to the Grinch&#8230;</title>
		<description><![CDATA[Thinking about charging up your credit cards to buy Christmas presents?  Planning to hire an Arizona bankruptcy lawyer to file your Chapter 7 bankruptcy or Chapter 13 bankruptcy in the near future to discharge such debts?  Think again.]]></description>
		<link>http://scotthyderlaw.com/credit-card-charges-for-christmas-presents-say-hello-to-the-grinch/</link>
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		<title>Help Me Help You!  The Seven Steps to Prepare for Bankruptcy</title>
		<description><![CDATA[Chapter 7 bankruptcy and Chapter 13 bankruptcy are significant life events.  Don't wait until the last minute before contacting an Arizona bankruptcy lawyer to learn about your options.  There are many steps to help you prepare for the process.  My goal is to make your bankruptcy as smooth as possible so long as you do the necessary work prior to filing bankruptcy.]]></description>
		<link>http://scotthyderlaw.com/help-me-help-you-the-seven-steps-to-prepare-for-bankruptcy/</link>
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		<title>How much does Chapter 7 and Chapter 13 bankruptcy cost?</title>
		<description><![CDATA[So you want to file Chapter 7 or Chapter 13 bankruptcy, but you can't afford an Arizona bankruptcy lawyer.  If you do it by yourself, you will undoubtedly make very costly mistakes.  Bankruptcy can cost anywhere from $1,200 - $4,000, depending on the complexities of your case.  Don't be cheap with your bankruptcy!]]></description>
		<link>http://scotthyderlaw.com/how-much-does-chapter-7-and-chapter-13-bankruptcy-cost/</link>
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		<title>Redeeming a Vehicle in Chapter 7 Bankruptcy</title>
		<description><![CDATA[Most debtors filing Chapter 7 bankruptcy want to be able to keep their vehicles.  An Arizona bankruptcy lawyer may advise the debtor to pay the lender only the current retail value of the vehicle in lieu of the entire loan balance.  However, redeeming a vehicle loan has its drawbacks.]]></description>
		<link>http://scotthyderlaw.com/redeeming-a-vehicle-in-chapter-7/</link>
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		<title>The Problems With Whole Life Insurance Policies in Bankruptcy</title>
		<description><![CDATA[One common asset many debtors own is some type of life insurance policy.  One of my tasks as an Arizona bankruptcy lawyer is to determine whether a debtor's life insurance policy has some kind of cash surrender value and whether such money will have to be surrendered to the bankruptcy trustee.  Recent case law has made this analysis much more complex.]]></description>
		<link>http://scotthyderlaw.com/the-problems-with-whole-life-insurance-policies-in-bankruptcy/</link>
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		<title>Will I lose my 2011 tax refund if I file bankruptcy?</title>
		<description><![CDATA[If a debtor files bankruptcy before receiving a tax refund, the money may have to be surrendered to the bankruptcy trustee.  Therefore, a competent Arizona bankruptcy lawyer will help avoid a premature bankruptcy filing that may cost the debtor thousands of dollars.]]></description>
		<link>http://scotthyderlaw.com/will-i-lose-my-2011-tax-refund-if-i-file-bankruptcy/</link>
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