Bankruptcy in Arizona - Begin Your Fresh Start Today!

Bankruptcy in Arizona – Begin Your Fresh Start Today!

Bankruptcy. Many of the people I meet with have a hard time even uttering the word bankruptcy. No one wants to file for bankruptcy. However, the stress associated with debt can be unbearable. Never-ending collection calls, threats of lawsuits, garnishments, foreclosures, repossessions. And those are just the financial aspects of debt. Overwhelming debt places stress on even the best family relationships and I have even seen it lead to divorce and health problems. The good news is there is hope. There is a way out.

I help people from all walks of life. College students, business owners, dentist, lawyers, retired people. It doesn’t matter where you went to school, what you do for a living, or where you come from, no one is immune from financial difficulties.

Get Out of Debt for Good

Whether you are dealing with credit card debt, facing foreclosure, are having your wages garnished, or are being sued, I can help you understand the bankruptcy process, the protections bankruptcy offers, and help you get out of debt for good.

I have helped literally hundreds of families like yours get out from under crushing debt and put together a plan to help them move forward with their lives. I offer a free bankruptcy consultation where we can discuss all of your bankruptcy and non-bankruptcy options for dealing with your debt.

Bankruptcy is not always the best option. At times there are alternatives to bankruptcy that will allow you to get rid of your debt and avoid bankruptcy altogether. If bankruptcy is necessary, I will help you understand the bankruptcy process, provide you with information so that you will know what to expect, and help you avoid the numerous bankruptcy pitfalls.

Nobody wants to file for bankruptcy, but if you need to, I will be there to assist you every step of the way.

To set up a free consultation with Arizona bankruptcy attorney John Skiba call (480) 420-4028.

About John Skiba

When it comes to hiring a bankruptcy attorney you have a lot of choices out there. No doubt that prior to finding my website you surfed through various bankruptcy attorney’s websites and have read what they have to say…so why should you hire me?
I can help you. Bankruptcy is all I do. I understand that financial difficulties are among life’s most challenging problems. Many would be surprised to learn that most people in bankruptcy are generally financially responsible people that have simply come upon hard times. A job has been lost, pay decreased, and often debt sky rockets because of a sickness that results in a mountain of medical bills. You feel terrible, stressed out, embarrassed, and worse, you feel hopeless.

From the Skiba Bankruptcy Law Blog

Surprise! Where did this Judgment Come From?

Written by John Skiba, Esq. on May 7, 2013

Probably half a dozen times per week I meet with someone who has been notified that their next check is going to be a quite a bit lighter – wage garnishment. If you are living paycheck to paycheck finding out your wages are going to be garnished is terrifying. Here in Arizona once a creditor obtains a judgment against you they can take up to 25% of your paycheck. And what is most surprising is that for many of the people I meet with this is the first time they [...]

Decisions, Decisions. Bankruptcy or Debt Settlement?

Written by John Skiba, Esq. on April 27, 2013

If you have read my blog at all you have likely read my mantra that “no body wants to file for bankruptcy”. Sometimes it is just flat out necessary. But how do you know if bankruptcy is the right choice? On more than one occasion I have met with families where they are bound and determined to file for bankruptcy when bankruptcy clearly is not a good option. The opposite is also true. Some people want to avoid bankruptcy at all costs when in reality there isn’t any other option [...]

Arizona’s Bankruptcy Exemptions Go Up! And Why You Should Care

Written by John Skiba, Esq. on April 24, 2013

Today was a pretty exciting day…if you are a bankruptcy attorney in Arizona. In fact, if you are needing to file bankruptcy and you live in the great state of Arizona you should be excited as well. Or at a minimum slightly interested in what the Arizona legislature did. They raised the exemption limits. When we strip it all away what this means for people in Arizona who are going through the bankruptcy process is that they will be able to keep more of their stuff as they go through [...]

Debt Buyer Lawsuits: The Illusion of Evidence

Written by John Skiba, Esq. on April 10, 2013

If you have been sued by one of the debt buyers, Midland Funding, Portfolio Recovery, LVNV Funding, you may have felt intimidated not only by the debt collection process but by the fact that you are dealing with a large company who is represented by an attorney. Many people are so intimidated that they make agreements or accept liability on a debt even though the debt buyer hasn’t provided any proof that they actually own the debt they are suing you on. There are a lot of websites that will [...]

Chapter 7 Bankruptcy Consultation for Arizona Residents – Audio Version

Written by John Skiba, Esq. on April 4, 2013

I, like most bankruptcy attorneys here in Arizona, offer a free consultation for those wanting to learn more about the process of filing a chapter 7 bankruptcy. The bankruptcy consultation is a great time for you to understand the basics of what is involved in a chapter 7 filing and what you can expect from the bankruptcy process. Often when people come in for the consultation I can tell they are stressed out, nervous, angry, depressed, etc. and I can tell that they aren’t absorbing very much of what I [...]

CW 017: Relaunch of the Consumer Warrior Podcast!

Written by John Skiba, Esq. on March 30, 2013

It has been a long time since I released an episode of the Consumer Warrior Podcast! I began this podcast about a year ago in connection with my Consumer Warrior website. My goal was to provide some valuable information for people that didn’t need or couldn’t afford an attorney. As time went on it was clear that I was just doubling up on my efforts between that site and the Skiba Law Group website. So, I have decided to combine the two and my plan is provide not only a [...]

Is There Such a Thing as a Simple Bankruptcy in Arizona?

Written by John Skiba, Esq. on March 26, 2013

Is bankruptcy a simple process here in Arizona? Depends. Often when I meet with people they will tell me that they have a very easy bankruptcy case for me. Over the years my experience has taught me to become skeptical – because rarely is there such a thing as an easy bankruptcy. Some bankruptcy cases are definitely more complex than others, but all bankruptcy cases have issues that must be addressed in order for the process to go smoothly. Not only that but each bankruptcy cases is assigned a trustee. [...]

Bankruptcy in Arizona’s Improving Economy

Written by John Skiba, Esq. on March 19, 2013

Things have been bad for a long time. Here in Arizona bankruptcy filings have been near 40,000 per year for several years. However, this year things seem to be improving. Bankruptcy filings are down – significantly. That means one of two things is happening: (1) things are getting better; and/or (2) a large number of people have already filed for bankruptcy and don’t qualify to file again right now! It is probably a combination of both. An improving economy can impact your bankruptcy case. Here are a few ways that [...]

4 Tips to Winning Your Midland Funding Lawsuit

Written by John Skiba, Esq. on March 18, 2013

Midland Funding is a debt buyer that buys Arizona debts in huge volume. If you have been sued by Midland Funding your first thought was likely “Midland who?” After getting over the unsettling experience of being sued it is important you put together a game plan on how your are going to deal with this new debt problem. The good news is you have a good shot at actually winning your lawsuit with Midland Funding. Here are four tips that can put you on the path towards victory. Tip #1 [...]

Chapter 7 Bankruptcy or Chapter 13 Bankruptcy – Which is Better?

Written by John Skiba, Esq. on March 17, 2013

In the grand scheme of things most would consider this a lose/lose situation. I mean, who really want’s to file for bankruptcy. No one. That’s who. But if you find yourself in the position of needing to file bankruptcy one of the first questions you will likely have is which type or chapter of bankruptcy should you file? As with most things in the law – it depends. I can tell you why you should file one chapter of bankruptcy over the other. I can also tell you which one [...]