by John Skiba, Esq. | Oct 8, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
No one wants to file for bankruptcy. And despite what some may think, bankruptcy is almost always a last resort for people. Truth be known most people that file bankruptcy should have filed years before they actually did – often to their detriment. People...
by John Skiba, Esq. | Oct 7, 2013 | Chapter 7 Bankruptcy
Getting sick can be very expensive. Many of the bankruptcy cases I file here in Arizona have a large amount of medical bills. And things don’t look to be getting any better. I just renewed my health insurance for my family and not only did my monthly premium...
by John Skiba, Esq. | Feb 13, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
No one wants to file bankruptcy…but if you are going to file, you want it to be successful. After all, you are going to take the hit to your credit you might as well make it count. Here are five super important keys to bankruptcy success for those of you who...
by John Skiba, Esq. | Feb 19, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
I recently attended a continuing education course that was presented by a group of Arizona bankruptcy attorneys that I am apart of. The presentation was given by three Phoenix bankruptcy trustees. In every bankruptcy case that is filed there a bankruptcy trustee...
by John Skiba, Esq. | Feb 13, 2012 | Chapter 13 Bankruptcy
In a chapter 13 bankruptcy you will be required to pay your disposable income to your creditors over the life of your bankruptcy case. Chapter 13 bankruptcy cases typically are a minimum of three years and a maximum of five years long. In calculating your disposable...