Arizona Bankruptcy Attorney | John Skiba

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

Chapter 7 Bankruptcy in 7 Steps: Passing Time and Your Financial Management Course

Written by John Skiba, Esq. on May 14, 2012

You made it through the Meeting of Creditors and are all geared up and ready to go! You had your day in court and are ready to tack on whatever comes next. If your case is like the typical chapter 7 bankruptcy at this point there is a whole lot of nothing going on – at least as far as you are concerned. After the Meeting of Creditors the only requirement left you is to complete a financial management course. There are a lot of different providers of this course, most of [...]

Chapter 7 Bankruptcy in 7 Steps: Filing Day, The Meeting of Creditors, and Everything in Between

Written by John Skiba, Esq. on May 9, 2012

After all the buildup to the day of your bankruptcy filing, once the case is filed there is what seems to be a strange lull in the action. The reason for this is because now that your work of gathering documents, completing the credit counseling course, and signing your bankruptcy documents is finished, it is time for your bankruptcy trustee and the court to start their job of reviewing your paperwork. My Case Has Been Filed. Now What? In Arizona, about two weeks after your bankruptcy case is filed you [...]

New Website – Become a Consumer Warrior!

Written by John Skiba, Esq. on May 4, 2012

Recently I have launched a new website that while not technically a legal website I believe it compliments my law firm website. The website is Consumer Warrior and was created with the goal of providing information to people who are dealing with difficult and often very stressful collection efforts and debt collection lawsuits. I am a firm believer that it truly is difficult to replace a competent attorney no matter how good the guide or website. But at the same time with some consumer matters it simply doesn’t make financial [...]

Chapter 7 Bankruptcy in 7 Steps: Credit Counseling & Filing Day

Written by John Skiba, Esq. on May 3, 2012

One might think the real work begins once your bankruptcy is actually filed with the bankruptcy court. However, I take the approach that if we are thorough and complete in the preparation of the bankruptcy petition, schedules and other required documents that once the case is filed it will generally be smooth sailing. Up to this point there has been a lot of gathering documents and filling out forms. There is one more thing that you must do before we can file your case – take a credit counseling course. [...]

Chapter 7 Bankruptcy in 7 Steps: Gather, Review, and Sign

Written by John Skiba, Esq. on April 30, 2012

For most the first step is the hardest – making the decision to look into bankruptcy and actually making an appointment and meeting with your bankruptcy lawyer. Now that you are moving forward the real work begins. The documents that are filed in your bankruptcy case are anywhere from 45 up to 60 pages long! The bankruptcy court requires a large amount of information on your income, debts, monthly expenses, and financial transactions over the last two years. And I am going to need to provide me with all of [...]

Chapter 7 Bankruptcy in 7 Steps: The Initial Consultation

Written by John Skiba, Esq. on April 24, 2012

This is where it all begins…the start of your new debt free life! It may sound corny, and the whole “fresh start” idea is beat to death in “bankruptcy world” but it is true. A chapter 7 bankruptcy can help you reach your goal to become debt free – to start again. How Do I Choose A Bankruptcy Lawyer? The first step in this journey is finding and meeting with a bankruptcy lawyer. What should you look for in your bankruptcy attorney? It is best to find a lawyer who does [...]

Chapter 7 Bankruptcy in 7 Steps

Written by John Skiba, Esq. on April 23, 2012

Filing bankruptcy can be a nerve-wracking process. Fear of the unknown stops many people from taking that first step of meeting with a bankruptcy attorney. While bankruptcy is not a painless process it is not something that should stop from you pursuing your goal of becoming debt free. To help people overcome their fears of the bankruptcy process I am going to dedicate the next 7 days to 7 articles that provide a detailed breakdown of the chapter 7 bankruptcy process. Here is a preview of the 7 steps: [...]

Skiba Law Group a Featured Case Study in New ABA Book

Written by John Skiba, Esq. on April 19, 2012

This month marked the release of the new book by Stephanie Kimbro “Limited Scope Legal Services: Unbundling and the Self-Help Client.” Ms. Kimbro is an attorney and author. One of her more recent works, Virtual Law Office: How to Deliver Legal Services Online was a great inspiration to me as I opened my own law practice and began offering legal services through the web. A while back Stephanie contacted me about my limited scope services practice and asked me if I would be willing to answer a few questions for [...]

Tax Day: The Consequences of Paying Your Taxes with Your Credit Card

Written by John Skiba, Esq. on April 16, 2012

Well…it is here. Tax day. Whether you owe taxes or are getting a fat refund back you likely have made some sort of arrangements to get your tax return filed. If you owe taxes this year (or any other year for that matter) you are probably trying to figure out exactly how it is that you are going to pay those taxes. Often the IRS will set you up on a payment plan while your local state government may not be so accommodating. The IRS now takes credit card payments [...]

J is for Job: How Your Job Impacts Your Bankruptcy

Written by John Skiba, Esq. on April 12, 2012

As we all have struggled through this Great Recession the biggest change for a lot people is the loss of a job or a significant change in their job resulting in a reduction of income. Many employers had to either reduce their overhead by reducing pay or simply letting people go. These type of changes often lead people to my office to discuss the possibility of bankruptcy. Despite appearances it is my experience that most are living pay-check to pay-check and the loss of a job or something like a [...]