Wednesday, November 30, 2011

Diagnosis: Communism! December 8th - Northwest Conservatives

Join us December 8th, 2011 at Northwest Conservatives, 6:00 pm to 8:00 pm, at the Oro Valley Public Library, 1305 West Naranja Drive, Oro Valley, AZ, 85737. Advisory: This meeting will be slightly longer than normal. Please come early as we will begin promptly at 6:00 pm! MAP 

Brad Zinn is a lifelong student of Dr. Fred C. Schwarz, one of the most influential anti-communist writers and speakers of the 20th Century. Brad began his studies in 1966 and started speaking out in the late 1960's and throughout the 1970's, winning an award for his efforts.
He has now resurrected his educational speeches and brought them up to date with today's technology to produce a fast moving, information packed, well documented and researched educational experience on the subject of the true nature of Marxism. This will be one meeting you will not want to miss, and one you will long remember.
Brad is on the Advisory Board of, as well as Arizona Mainstream, and you can see his journalistic efforts on Western Free He founded and co-chairs Verify The Vote, Arizona Elections Task Force. He is a frequent guest on radio as an expert on communism and vote fraud issues.

Our nation today is faced with a showdown between the forces of Liberty and the forces of Tyranny. Americans across the political spectrum have begun to take notice and take action. Americans instinctively desire freedom and reject totalitarianism. Few, however, have been schooled in the history of Marxism-Leninism. This is to our detriment. To combat the ideas, tactics, objectives and goals of communism, we must make an effort to understand its nature. Only with knowledge can we design effective programs to defeat the false and deadly promises it makes.
Please join us for a crash course seminar on the true nature of Communism. The seminar is based on the works of Dr. Fred C. Schwarz. Dr. Schwarz is sadly little known to the majority of Americans today, but he was a seminal figure in the fight against communism from the 1950s to the 1990s. His research, writings and influence has been felt throughout the 20th Century and now his educational research is needed more than ever.

Schwarz genius was his ability to take complex and confusing ideas and break them down into easily understood concepts. His books have been translated into dozens of languages and millions of copies have been distributed around the world. He was highly regarded by Ronald Reagan, Jack Kemp, William F. Buckley, Jr., and many other leaders in the fight for freedom during his time.

Diagnosis: Communism! is a free 90+ minute educational seminar that is a must see for ALL Liberty-loving Americans.

In the first half you will learn the history of Marxism, the features of Marxism that make it distinctive, and the organization and goals of communism. You will also meet the key players in the formation of its deadly philosophy.

~ Is Communism dead?
~ Why do so many embrace this vision?
~ Why isn't communism a discredited theory?
~ What is the difference between Communism and Socialism?
~ What do they have planned for the United States, and specifically for you and your family? These questions and more will be addressed directly.

In the second half you will hear a DETAILED PLAN for the Tea Parties and other conservative groups to focus on in the near term and the long term to recapture the momentum and protect Liberty for the next generation. These ideas are not being discussed by nearly anyone else on the scene today. The section on vote fraud, and the upcoming Presidential Primary, is grounded in facts with an eye-opening and shocking analysis.

This lecture is being offered free of charge to all interested groups within a short traveling distance of Phoenix.
Study materials will be available after the lecture for a free will offering.

Join us December 8th, 2011 at Northwest Conservatives, 6:00 pm to 8:00 pm, at the Oro Valley Public Library, 1305 West Naranja Drive, Oro Valley, AZ, 85737. Advisory: This meeting will be slightly longer than normal. Please come early as we will begin promptly at 6:00 pm! MAP 

To learn more about Dr. Fred Schwarz, please visit

Please pass this invitation along to family, friends, and other Tea Party, GOP, and church members. The response to this seminar has been overwhelmingly positive. Here are a couple of recent endorsements:

Mirel wrote: "Last night I saw Brad Zinn speaking about "Communism, the Deadliest Disease" at Arizona Mainstream Project. It was the best presentation I ever heard! Complex, accurate, logical, very well documented. Brad is amazing, he should talk about communism at Harvard."
Mirel survived Romanian communism and now lives in the U.S.
Brad, Having seen your presentation at the West Valley Tea Party Patriots, I
would like to give my endorsement of your presentation, Diagnosis:
Communism, for any American who hasn't seen it.

Since the fall of the Iron Curtain, many have assumed Communism went the
way of the Dodo.  Not so, as you have made clear to me during a most
thorough and informative session, exploring the hallmarks, philosophy, and
methods of growth used by the Communists and Socialists in their

This is information sorely needed by anyone who seeks to safeguard the
Constitution and fight for the return of genuine liberty in the United
States. The additional materials provided by Mr. Zinn are valuable tools to carry
on the fight, armed with that certain knowledge which is certain power,
the knowledge of the truth.
Michael Bailey, Director of Legislation
Greater Phoenix Tea Party Patriots

Have you ever been invited to a meeting or event that you felt you needed to go to but tried to find every reason not to go?  In October I was invited to the Rio Verde Foothills Tea Party meeting by leader Ray Wallage. I wanted to go to support my neighboring Tea Party but I had a long day and I was tired so my instinct was to find an excuse and stay home. However, guilt took me to the car and up the hill I went. Afterwards as I left the meeting I thought how happy I was that I had come and listened to Brad Zinn and his message about the history of Communism and how it affects the very core of our society today.  Brad’s presentation was so well done that I was somewhat mesmerized.

I now invite all of you to come and hear this man who has taken a huge amount of time to organize an incredible amount of information to share with all of us.
Sheila Muehling, Greater Scottsdale Tea Party Patriots

Just finished up the best North Valley 912 Project meeting to date. All thanks to Brad Zinn. I HIGHLY recommend Brad Zinn's "DIAGNOSIS: COMMUNISM!" seminar. If your AZ area Tea Party/912 Org hasn't hosted him as of yet -- you not only 'should', you MUST! Arizona Luke, North Valley 912 Project
For those of you who missed the last meeting of the Rio Verde Foothills Tea Party, Brad Zinn is presenting his educational speech on Communism again as below. It is so educational, and so relevant to today's political atmosphere in the US, I cannot emphasize strongly enough how important the information in Brad's speech is. It clearly shows why our fight will not end with this year's election or even the election in 2012, but only when the progressives are removed from both parties. See below for information.

Ray Wallage, Rio Verde Foothills Tea Party
I enthusiastically recommend Brad  Zinn’s “Diagnosis Communism” as primer or refresher for all American citizens, and students of the Constitution.  Brad’s command and delivery of Dr. Schwartz’ material is brilliant, and a direct “hit” as it clearly explains what is going on in this country.  Crystal clarity is just one of the gifts you’ll give yourself by attending this blockbuster event!  Don’t hesitate! Annie Hodgkins, Rio Verde Foothills Tea Party

As a leader of Peoria South Tea Party Patriots, I had the pleasure of seeing Brad Zinn and his presentation on Diagnosis: Communism. I found it very informative and certainly correct with respect to my knowledge of communism.
A close friend of mine, who grew up in the former Soviet Union, attended one of his programs with me, leaned in at one point, and said they definitely do "eat their own." She had found the program very much what she experienced while growing up. I highly recommend this program to everyone. John A. Rosado, Peoria South Tea Party Patriots

I highly recommend every U.S. citizen take the opportunity to watch Mr. Brad Zinn’s presentation of “Diagnosis: Communism”!
His insightful and well-researched analysis of Communism serves as a much needed reminder that we are seeing Communism already being implemented within U.S. society and the inherent dangers of this form of government is in direct opposition to the purpose and reasoning for our Founding Father’s vision for the role of government in the U.S.
Generations of children now have grown up and taken for granted the individual freedoms and rights granted to us through our U.S. Constitution. Many of us are guilty of taking these freedoms for granted and have ignored political policies which have put our country on a direct path toward Communism. Mr. Zinn’s presentation serves as an ‘awakening’ for us, our children, and our grandchildren to recognize Communism for what it truly is: erasure of individual freedoms and rights. Our children need to become aware of how socialism and Communism will dramatically and negatively impact their lives. Thank God for Mr. Zinn’s educational message and passion to inform us and remind us that we are truly engaged in a political battle to protect and sustain the checks and balances of governmental power which have made our country the greatest nation on earth.Annette McHugh, Founder, Tea Party Patriots of Glendale, AZ
Thank you for all the information you put together. This CD is the most comprehensive information that I have ever received. I appreciate the work you put into it and have listened to the audios and am working on the articles. Thank you, thank you, thank you.
Virginia "Ray" Long
Brad, I just want to thank you for a very informative evening.  It certainly feels better to be aware of what is going on around us.  Thank you for your continued work in educating the people and may God grant you the courage you will no doubt need going forward.
Terri Bunting

Join us December 8th, 2011 at Northwest Conservatives, 6:00 pm to 8:00 pm, at the Oro Valley Public Library, 1305 West Naranja Drive, Oro Valley, AZ, 85737. Advisory: This meeting will be slightly longer than normal. Please come early as we will begin promptly at 6:00 pm! MAP 

Tuesday, November 29, 2011

Newt Gingrich, Matt Salmon, Principles and Pragmatism

Former Congressman Matt Salmon, now running for Congress again, demanded that Newt Gingrich step down as Speaker in the mid 1990s, and Gingrich did. Gingrich accomplished a lot for conservatives, but Salmon thought he started backsliding. A comparison of two top conservative leaders with very different approaches.

Monday, November 28, 2011

Red Mountain Patriots: Matt Salmon speaking

Red Mountain Patriots
(Prayer, Pledge, National Anthem, Honor Veterans, Constitutional Education, Politicians & much more!)

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If you didn't receive this e-mail DIRECTLY from us, we would like to add you to our mailing list and keep you informed about the issues, rallies, meetings & speakers. 
You can receive these updates directly each week by writing to us at:
When you write to us be sure to leave the email address that you would like to receive updates at.  We will then place you on our regular weekly email update list.  Additional information such as your name and address is NOT necessary but would be helpful. As a matter of policy we do NOT share, sell, rent or loan any personal information.
.Please join the Red Mountain Patriots on Tuesday nights.*
We Invite you, your family and friends to attend our educational meetings.
 East Valley High School, 7420 E. Main St., Mesa, Arizona 85207
Tuesday, November 29:     Matt Salmon  (Candidate for U.S. House of Representatives)
Tuesday, December  6:      Senator Russell Pearce  (What will Russell Pearce do next?)
Tuesday, December 13:     Sheriff Joe Arpaio (America's Toughest Sheriff)
Occupy Wallstreet has become what the HIPPIES were in the 1960's & 1970's!
During the 1960's a large group of young adults, mostly in their 20's and 30's rose up initially  to protest the Vietnam War in which U.S. troops fought for almost 8 years between 1965 and 1973.  Over 58,000 brave soldiers died during this war while the hippies were safely at home smoking dope, reproducing young hippies and attending Rock n Roll concerts.
Initially the protests were peaceful but quickly became violent and ugly.  Mix the violence with the Rock n Roll free love and drugs culture that was prevalent during this period and you ended up with a violent and disrespectful scene.  Others who originally supported their argument to stop the war turned against the hippies because of  their criminal and strange behavior.  Millions were spent by cities and states on law enforcement to try and maintain order.
Ironically the very same people who were protesting the war decided to direct their anger at the American soldier instead of the politicians who had authority to send them to fight for our country.  The hippies would yell at, spit on, swear at and demean in every way possible the soldiers who were coming home from Vietnam.
And so a political war that was should have been debated, quickly took on a very ugly face in violent protest all over the country during that 8 year period.  Many argue that those protesting the war actually had the effect of extending the war because politicians became more stubborn and resistant to their violent movement.
4 decades have come and gone since that time and many believe that NOTHING positive came about because of the hippie movement in the 60's and 70's.  Instead, American values were severely undermined with drugs and free love.  Unfortunately many of those same young liberal hippies are now running this country.
With the violence growing in the Occupy Wallstreet movement, it appears to be headed for the same heap of ashes the Vietnam protestors ended up in.  Murder, rape, theft and property damage seem to be dominating the headlines for a group that started with some legitimate complaints about our political system and wallstreet.
In my opinion those legitimate complaints are overshadowed by their criminal behavior.  The 99% has quickly become the 1% of the population in their behavior.  If you check under the hood of Occupy Wallstreet you find out that this movement was planned a long time ago by communists, socialists, anarchists, radical union leaders and anti-semites.
On the other hand the Tea Party movement went to right to work using their constitutional rights to change Washington D.C. without crime or violence.  We sent over 80 new conservatives to the House and Senate.  We also had a major impact in state legislatures voting in over 600 new conservatives nationwide.
Is our work done?  Absolutely not, but the narrative has now changed and we finally have Washington talking about cuts.  To make sure these changes stay in place we must be eternally vigilant and hold those we hire to represent us accountable for their actions. 
Make no mistake,
President Obama supports
Occupy Wallstreet!
Ironically Obama has received more campaign donations from Wallstreet then
any other politician!
Watch video here. Warning: Graphic words are used in the video below.

OWS Exposed!

Scheduling conflicts necessitate emergency change of speaker for this Tuesday, Nov. 29!
Sheriff Joe had a scheduling conflict come up at the last minute that he could not change.  Because of this, we had to movehis speaking appearance at the
 Red Mountain Patriots to  
December 13 at 7:00pm!
 Candiate for the U.S. House of Representatives, Matt Salmon will be speaking
this Tuesday night! 
Don't miss our guest speaker this coming Tuesday, November 29!
Candidate for U.S. Congress;
Matt Salmon
Matt Salmon is a candidate for the House of Representatives. 
 This seat was vacated by Representative Jeff Flake in District 6.
Please bring your tough questions you want Mr. Salmon to answer!

7:00pm to 8:35pm
(Mr. Salmon will take the stage at about 7:35pm)
East Valley High School
7420 E. Main St.
Mesa, Arizona  85207
(NE Corner of Main St. and 74th, East of Power Rd)
Some Polls show that the Arizona Senate seat is within reach of
Democrat Richard Carmona!

By Josh Lederman - 11/27/11 02:48 PM ET
Holding on to retiring Sen. Jon Kyl's (R) seat will be no cakewalk for Arizona Republicans, and could offer Democrats one of their strongest chances to take control of a Republican seat and stave off a GOP coup in the Senate, according to a new poll.

Rep. Jeff Flake (R-Ariz.), the GOP front-runner in the race to replace Kyl, holds only a 4-point lead over U.S. Surgeon General Richard Carmona, who launched his campaign less than three weeks ago. Matched up with Don Bivens in the survey by Democratic firm Public Policy Polling, the former state party chairman and first Democratic candidate to enter the race, Flake leads by 10 points.

Democrats have been eagerly eyeing Arizona and its open Senate seat as a feasible pickup opportunity in 2012, when Republican gains of only four seats would cede them control of the Senate, if President Obama wins reelection. But the Democratic primary got off to a slow start, in part due to deference to Rep. Gabrielle Giffords (D-Ariz.), who was considering a Senate run before being injured in a January shooting rampage.

Flake, a staunch conservative who has amassed almost $2.3 million for his Senate run, appeared in a position to handily win the seat - until Democrats succeeded in recruiting Carmona, a Hispanic candidate with an independent background that could appeal to moderate voters in the state's Republican-leaning electorate.

Flake's major advantage comes in name recognition, where only four in 10 Arizona voters said they had no opinion of him. Eight in 10 had no opinion of Bivens, and seven in 10 felt that way about Carmona.

Businessman Wil Cardon, who is challenging Flake in the primary, was the biggest unknown in the race, but still beats both Carmona and Bivens in a general-election matchup.

"Democrats appear to start out with a real chance in this race," said Dean Debnam, the polling firm's president.

But the poll also revealed more Democratic voters in Arizona say they support Flake than Republicans who support Bivens or Carmona. Democrats will have to hold on tight to their voters in the general election if they are to pick up the seat next November.
The poll of 500 Arizona voters was conducted Nov. 17-20 using automated telephone interviews and had a margin of error of plus or minus 4.4 percentage points.

Like him or not, Newt Gingrich
has a way with words!

Gingrich: 'Go get a job right after you take a bath'
Our guest speaker for Tuesday, December 13 at 7:00pm!
The Toughest Sheriff in America!
Sheriff Joe Arpaio!
Sheriff Joe is still standing strong at the O.K. Corral. 
Come find out what his plans are for election year 2012.
7:00pm to 8:35pm
(Sheriff Joe will take the stage at about 7:35pm)
East Valley High School
7420 E. Main St.
Mesa, Arizona  85207
(NE Corner of Main St. and 74th, East of Power Rd)
59 Year Old Staff Sargeant Don Nicholaus still active on the front lines of the Army and wants another tour of duty in Afghanistan!

At 59 years old, Staff Sgt. Don Nicholas is the oldest soldier currently serving on the frontlines in Afghanistan. He served in the Vietnam War, but re-enlisted after 9/11, and has also served other tours in Afghanistan and Iraq.

When asked why he re-enlisted at his age, he said "it was the right thing to do." Back home in Ohio he was a podiatrist, but he joined an Army psychological operations unit hoping to be sent to a war zone. His enthusiasm and dedication inspires other soldiers.

After three wars and 63 months in combat zones, the Pentagon says Sgt. Nick must retire next summer when he turns 60. He's not looking forward to it though, saying, "I want to be out there ... as long as I'm able to do it, I'll do it."

written by America Newsroom at Fox News:  Watch the video about Sargeant Don Nicholaus by clicking on the website below.
Even die-hard supporter Chris Matthews
 of MSNBC may have finally realized that Obama doesn't walk on water!
The truth is hard to deny:

Thrill Is Gone? Matthews Turns On Obama; 'I Hear Stories That You Would Not Believe'

Check out the excellent articles and information contained at these conservative Arizona blogsites!
2.  Intellectual Conservative by Rachel Alexander
3.  Gilbert Watch by Anita Christy

Hatch Tire and Auto Repair!

(No relation to Tea Party members)

100 S. Power Rd., Mesa, Arizona  85207
 Just $16.95 includes!
Oil Change and New Filter, Free Tire Rotation
& 22 Point Car Inspection!
(Up to 5 quarts of oil of 5W-30 Shell Semi-Synthetic for most cars and light trucks)
 Call Kevin Hansen at:  480-985-5528
Hatch Tire and Auto Repair
They do just about anything including New Tires, Oil Change, Brakes, Fuel Pump and Fuel Injectors, General Car Repairs, Belts, Hoses, Bulbs, Wipers, Batteries and Battery Testing, Starters, Alternators, Air Conditioning, Alignments, and much more. 
  15% Discount on Tires & Repair Services 
(for Tea Party members only)
Meeting Schedule for Nov & Dec. 2011!
 East Valley High School
from 7:00pm until 8:35pm
(Located at 7420 E. Main in Retail Plaza)
Guest Speakers usually begin speaking at about 7:35pm.
Tuesday November 22, 2011
Happy Thanksgiving 

Tuesday, November 29, 2011
Matt Salmon
(America's Toughest Sheriff)

Tuesday, December 6, 2011
Senator Russell Pearce
(Find out what 2012 holds for Senator Pearce)

Tuesday, December 13, 2011
Sheriff Joe Arpaio
(Will Sheriff Joe run again in 2012?)

Meeting Policies:
Thank you in advance for your cooperation in these matters.  Any person who does not comply with the following will be asked to leave the meeting!

We ask you to turn your cellphone and other computer devices off when entering the building.  No food or beverage is allowed in the building except for the water that we offer.  No smoking is allowed in the building or on the sidewalk in the front.  No advertising or other written materials are allowed inside except for that which has been authorized in advance of the meeting.  No video-recording is allowed except that which is done by the Red Mountain Tea Party.  No Media are allowed unless they have been approved ahead of time.  No pets are allowed inside the building.  We expect all guests and speakers to be treated with respect.  Speaking at the Red Mountain Patriots does NOT indicate any kind of endorsement of the opinions or positions.  The Chairman will have final decision on these matters.

Red Mountain Patriots Website:

Red Mountain Patriots E-mail: 

Red Mountain Patriots Blogsite:

Toll-Free Phone Number:
Join Our Mailing List

God Bless America!

Saturday, November 26, 2011

Filing bankruptcy to afford Christmas?

I am a bankruptcy attorney in Arizona ($995/Chapter 7) and know that society has really gotten out of hand when clients tell me they need to file bankruptcy now in order to afford Christmas. The pressure that is put on families to buy gifts for everyone has grown to an alarming level. If you don't buy presents for family members, close friends, co-workers, etc., people think there is something wrong with you. I would say that Jesus would be rolling over in his grave if he knew what had happened to the original meaning of Christmas, but he rose again and instead is looking down shaking his head.

This is the worst economy in years, and everyone is either underemployed, out of a job, or knows lots of people who are. Ironically, many of those underemployed are working for retailers this Christmas season, and need people to buy gifts. Sort of a catch-22. The stores are not going to let up on the pressure to buy-buy-buy.

If you are going to consider filing bankruptcy in order to afford Christmas, keep in mind the bankruptcy trustee will look long and hard at any large expenditures made around the bankruptcy filing. Bankruptcy is not supposed to be a license to spend freely. Everything should be done in moderation, and that includes buying presents at Christmas. Don't succumb to the pressure to be like Mr. and Mrs. Smith down the street.

Here are some ideas for inexpensive Christmas gifts:

Here are some tips for dealing with children who expect a lot of presents for Christmas. I found the book above which offers an in-depth explanation of why buying presents for Christmas is a bad idea.

The Alexander Bankruptcy Law Firm provides low low cost Chapter 7 and 13 personal bankruptcies. $995 Chapter 7 or $2500 Chapter 13 bankruptcies plus court filing fee. Free consultation with a compassionate attorney who will handle your case personally. Call 24/7, available to meet with you around your schedule. 602-326-9116. Conveniently located in Central Phoenix along the Camelback corridor.

Monday, November 21, 2011

Longtime East Valley Legislators Stand with Salmon

Biggs, Farnsworth Tout Salmon’s Conservative Record and Experience
EAST VALLEY – Former Congressman and candidate for Arizona’s 6th Congressional District Matt Salmon announced today that his campaign received the endorsements from two more prominent East Valley legislators: 
Senate Majority Leader Andy Biggs (R - LD 22)
State Representative Eddie Farnsworth (R - LD 22)
 State Senator Andy Biggs stated, “Our nation is facing a critical period and we need leaders who will stand up and demand reduced wasteful spending and return our nation to a path of fiscal responsibility.  Matt Salmon has done this before in Congress and he has the knowledge and experience to get things done again.”
State Representative Eddie Farnsworth added, “Matt Salmon has a proven track record of fighting for conservative values. Arizona needs representation in Congress they can depend on and there is no one more qualified for the job than Matt Salmon.”   
Former Congressman Matt Salmon stated, “I continue to be humbled by the growing support from East Valley leaders that my campaign is receiving and I am thrilled to have Andy and Eddie as the latest additions to my team. They are without doubt two of Arizona’s finest and most respected legislative members and continue to serve East Valley residents with honor and integrity.”
About Matt Salmon
Matt Salmon was first elected to the United States Congress in 1994 and served until 2000, honoring his term limit pledge.  A proud conservative, Salmon was rated in the top five among all 535 members of the House and Senate by Citizen’s Against Government Waste for all six years he was in office.  He is a lifetime member of the NRA with an A+ rating and also earned a 100% rating by the National Right to Life.  He was also the proud recipient of the American Cancer Society’s “Top National Elected Official” award. 
Matt Salmon has received endorsements from Arizona Congressman Trent Franks, Maricopa County Sheriff Joe Arpaio, South DakotaSenator John Thune, Oklahoma Senator Tom Coburn, Congressman Darrell Issa (CA-49) Mayor Scott Smith (Mesa), Mayor Jay Tibshraeny (Chandler), Mayor Hugh Hallman (Tempe), Mayor John Insalaco (Apache Junction),  Mayor Gail Barney (Queen Creek) and former Arizona Congressman John Shadegg .

Paid for by Salmon for Congress

Filing bankruptcy in Arizona: Does the flat fee cover everything?

I am a bankruptcy attorney in Arizona ($995/Chapter 7) and frequently clients are confused about the pricing. Some bankruptcy attorneys advertise a flat fee, but end up charging extra for things like phone calls, emails, and more complicated bankruptcies. At the Alexander Bankruptcy Law Firm, we don't do any of that. What you see is what you get. We fully disclose on our website homepage that the only additional costs are the court filing fee ($299 for Chapter 7) and the two mandatory credit counseling classes (which you can take online cheaply for as low as $5 and $12). We don't charge extra for more complicated bankruptcies.

Many clients who don't have the full amount of money ready to pay us can make payments up until the filing date. We accept virtually all kinds of payment; credit cards, checks, money orders, etc. If you're looking for a competitively priced personal bankruptcy law firm, check us out.

The Alexander Bankruptcy Law Firm provides low low cost Chapter 7 and 13 personal bankruptcies. $995 Chapter 7 or $2500 Chapter 13 bankruptcies plus court filing fee. Free consultation with a compassionate attorney who will handle your case personally. Call 24/7, available to meet with you around your schedule. 602-326-9116. Conveniently located in Central Phoenix along the Camelback corridor.

Saturday, November 19, 2011

Filing bankruptcy in Arizona: Stopping calls from creditors and debt collectors

I am a bankruptcy attorney in Arizona ($995/Chapter 7) and one thing my clients are relieved to hear is that annoying calls from debt collectors stop when they file for bankruptcy. In fact, as soon as a client meets with me and retains me, I have him or her refer all these kinds of phone calls to me.

Occasionally I encounter a persistent debt collector who refuses to comply with the law, and continues to call clients right up until they file. Debt collectors are subject to a $1000 fine if they violate the Fair Debt Collection Practices Act. This Act provides that debt collectors who are collecting on behalf of a first creditor must stop calling when asked in writing (I've noticed that usually they will comply if you ask them over the phone). This means if you incurred a debt with a bank, but a collection agency is now collecting on behalf of the bank, the collection agency must stop (this does not appear to apply to third parties like subsequent banks who have assumed the debt in course of business, not just for the specific purpose of debt collection, however). Debt collectors who flaunt the law should be reported to the Better Business Bureau, your state Attorney General's Office, and the FTC.

Original creditors are not covered by the Fair Debt Collection Practices Act. However, some states have even stricter laws in this area that restrict original creditors. Arizona does not appear to be one of them.

It has been my experience that even most original creditors will stop harassing phone calls to clients once I notify them that a client will be filing bankruptcy. Unfortunately, once in awhile there is a rude creditor who refuses to leave my clients alone. Wells Fargo is one of them. This is not surprising considering Wells Fargo's arrogance and treatment of homeowners while getting preferential treatment by the government. Until they reign in their practices, they will continue to be the focus of the Occupy protesters' and others' anger.

For more information, click here and here. One of these websites explains how you can block creditors' phone calls with Anonymous Call Rejection.

The Alexander Bankruptcy Law Firm provides low low cost Chapter 7 and 13 personal bankruptcies. $995 Chapter 7 or $2500 Chapter 13 bankruptcies plus court filing fee. Free consultation with a compassionate attorney who will handle your case personally. Call 24/7, available to meet with you around your schedule. 602-326-9116. Conveniently located in Central Phoenix along the Camelback corridor.