by John Skiba, Esq. | Mar 16, 2013 | Chapter 7 Bankruptcy
How soon we forget. Just yesterday I was flipping through a magazine and I saw an ad by a credit union that was offering to help you pay off your credit card debt with a Home Equity Line of Credit (HELOC). Here in Arizona we are just starting to climb out of the...
by John Skiba, Esq. | Dec 12, 2011 | Chapter 7 Bankruptcy
Because I work as a bankruptcy attorney I have the opportunity to meet a lot of people here in Arizona who have taken a beating during this recession. And while the recession technically ended a while back, many, if not most are still going through some financial...
by John Skiba, Esq. | Dec 2, 2011 | Bankruptcy A to Z, Chapter 7 Bankruptcy
This one is pretty basic but you may be surprised as to how many people aren’t quite sure what the difference between a creditor and a debtor is. In the bankruptcy world if you are filing for bankruptcy you will now be known as the Debtor. Owing debts =...
by John Skiba, Esq. | Nov 25, 2011 | Bankruptcy A to Z, Chapter 7 Bankruptcy
It is finally here. The day retailers everywhere and my younger sister look forward to every year! Black Friday. It seems to be starting earlier ever year. Last night after Thanksgiving dinner I ventured out with my wife and some other family members to see if we...
by John Skiba, Esq. | Nov 2, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
This is the second installment in a three part series of the bankruptcy process in Arizona. In the first article I discussed what to expect prior to your bankruptcy case being filed. In this article I will go over what you can expect after your case is filed up...