When you ask lawyers questions they can't answer, they often answer questions that are similar, to which they know the answer, because they hate to say "I don't know".
That's true of an Arizona bankruptcy lawyer, as it is of any other lawyer.
For instance, I do know that, generally, after you don't pay your mortgage for 90 days in AZ, a trustee's sale is scheduled, and 90 days thereafter, you need to be out, or the Forcible Entry and Detainer gets filed in Superior Court. Don't wait around for that.
And if you don't make payments on a car for 60 days, on average, in Arizona, the repo man goes out at 3am with a hook which gets attached to your bumper, and then the car gets towed. Note: he may tow it from your place of work or the supermarket.
But credit cards are a different matter. I can't tell you when you're going to get sued.
Because there are a lot of credit card companies, and they have a lot of different internal policies.
And those change from time to time. And the paper gets sold downstream from time to time.
All I can say for sure is that it's a bad idea to let a judgment be taken against you by anybody, for reasons I've discussed elsewhere in this blog.
And soon, I plan to learn how to cross-index inside this blog!
Just reporting: recently I learned how to use spell check in this blog. I was so pleased. Now I just have to go back over 160 blogs and, you know, use spell check.
