by John Skiba, Esq. | Mar 6, 2019 | Bankruptcy, Chapter 7 Bankruptcy
I have helped Arizona families deal with serious debt problems for nearly two decades. During that time the biggest hurdle for most families that desperately needed debt relief was how they could afford to pay the legal fees associated with filing for bankruptcy. In...
by John Skiba, Esq. | Apr 5, 2017 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
The driving force behind most personal bankruptcy cases is unsecured debt like credit cards, medical bills, personal loans, etc. Some express concern as to what will happen to their secured loans such as their mortgage or loan on their car in a bankruptcy case. The...
by John Skiba, Esq. | Dec 19, 2016 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Tax Debt
When it comes to IRS tax debt none of the typical debt collection rules apply. The IRS has power to take your money and lien your home without even filing a lawsuit. This is much different than the standard unsecured debt (i.e. credit cards, medical, etc.). Normally,...
by John Skiba, Esq. | Dec 14, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Delinquent car loans are becoming a big problem in Arizona. There are several reasons why, however a big problem I see in my bankruptcy practice are subprime car loans that charge very high interest rates on used cars. The subprime car loan problems were recently...
by John Skiba, Esq. | Nov 30, 2016 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
The Social Security Administration states that there are currently nearly 9 million people receiving social security disability benefits with the average monthly being a little over $1,200 per month. I meet weekly with clients who are living on disability benefits,...
by John Skiba, Esq. | Nov 26, 2016 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Having worked with families struggling with debt problems for over 14 years I have had more than a few interactions with repo men (and women). And more often than not, these interaction’s don’t end well. It was just a few months ago I wrote about a repo...
