by John Skiba, Esq. | Nov 5, 2013 | Chapter 7 Bankruptcy
Starting on November 15, 2013 there will be updated means test numbers here in Arizona for chapter 7 bankruptcy filers. What does this mean? Let me back up and start with what the “means test” is. Back in 2005 Congress, in its infinite wisdom, decided...
by John Skiba, Esq. | Oct 15, 2013 | Debt Collection Lawsuits, Debt Settlement
Often when I meet with clients who are dealing with Midland Funding debt collection lawsuit I can see the worry and exhaustion in their eyes. Many times here in Arizona people who get sued by Midland will try and represent themselves. Quickly they find out there is...
by John Skiba, Esq. | Sep 10, 2013 | Chapter 7 Bankruptcy, Collection Law Suits
Friday the 13th, 2013 is a good day in bankruptcy for people in Arizona. This is the day that the new and improved exemption laws go into effect. Why should you care? If you are needing to file bankruptcy and live in the state of Arizona this means you will be able...
by John Skiba, Esq. | Jan 22, 2013 | Chapter 7 Bankruptcy, Debt Settlement
On a fairly regular basis I have people that come into my office who desperately need to file bankruptcy but hesitate in doing so because of their concern over damaging what they view as a strong relationship with their bank. They often say “I can’t do...