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...
by John Skiba, Esq. | Nov 25, 2016 | Bankruptcy, Chapter 7 Bankruptcy
It is hard to believe that the holidays are upon us once again. And love it or hate it Black Friday and become a holiday tradition for many people where they stake out their claim for the great deals of the holiday season. While it can be easy to get caught up in the...
by John Skiba, Esq. | Nov 22, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
A common question I get from married couples who are facing debt problems is whether both need to file for bankruptcy or if it is permissible for one spouse to file the bankruptcy. Many couples would like to try and save one spouse’s credit score or it may be...
