by John Skiba, Esq. | Mar 19, 2013 | Chapter 7 Bankruptcy
Things have been bad for a long time. Here in Arizona bankruptcy filings have been near 40,000 per year for several years. However, this year things seem to be improving. Bankruptcy filings are down – significantly. That means one of two things is happening:...
by John Skiba, Esq. | Mar 18, 2013 | Collection Law Suits
Midland Funding is a debt buyer that buys Arizona debts in huge volume. If you have been sued by Midland Funding your first thought was likely “Midland who?” After getting over the unsettling experience of being sued it is important you put together a...
by John Skiba, Esq. | Mar 17, 2013 | Chapter 7 Bankruptcy
In the grand scheme of things most would consider this a lose/lose situation. I mean, who really want’s to file for bankruptcy. No one. That’s who. But if you find yourself in the position of needing to file bankruptcy one of the first questions you...
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. | Mar 14, 2013 | Chapter 7 Bankruptcy, Collection Law Suits
If you have been in an car accident or injured and now have a claim against the person who did the injuring (is that a word??), then what happens to this claim if you file for bankruptcy here in the great State of Arizona? Well, it will all depend on whether you were...
by John Skiba, Esq. | Mar 5, 2013 | Collection Law Suits
Every day here in Arizona numerous lawsuits are filed by Midland Funding against people like you. People who don’t have a clue who Midland Funding even is. Midland Funding is a company that buys junk debt accounts from credit card companies and then files...
by John Skiba, Esq. | Feb 21, 2013 | Question of the Day
Question: I am two months behind on my car payments. What will happen to my car during my chapter 7 bankruptcy? Answer: If you are behind on your car payments you are likely facing repossession of your car. Once you file your chapter 7 bankruptcy the...
by John Skiba, Esq. | Feb 20, 2013 | Question of the Day
Question: I have a personal injury lawsuit and I want to pursue it but I need to file a Chapter 7 bankruptcy. Can I still pursue my claim in Arizona? Answer: When you file for chapter 7 bankruptcy in Arizona all of your assets become part of what is...
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. | Jan 29, 2013 | Uncategorized
After your bankruptcy case is filed, if everything has been done right, the rest of your chapter 7 bankruptcy should be smooth sailing. You must remember – millions have gone through this process before you. The bankruptcy court has developed a streamlined...
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...
by John Skiba, Esq. | Jan 14, 2013 | Chapter 7 Bankruptcy
Alright. Filing your bankruptcy is not that exciting, but it is a big day in your life. If you are working with a bankruptcy attorney like me your bankruptcy case will be filed electronically. The bankruptcy court’s electronic filing system means that your...
by John Skiba, Esq. | Jan 10, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Once you pick a bankruptcy lawyer you can set this puppy on auto-pilot and you are good to go – right? Not right. You need to view your chosen bankruptcy lawyer more as a guide through the bankruptcy journey rather than captain of the bankruptcy cruise. Here...
by John Skiba, Esq. | Jan 3, 2013 | Chapter 7 Bankruptcy
Let’s do this. Let’s put together your game plan on getting out of debt in this new year. This is the year it is going to happen. Next year at this time you will have no debt. Stop and think of that. No debt! But it is going to take some planning....
by John Skiba, Esq. | Jan 1, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Here we are. New year. If you are like me you look back and evaluate whether or not you met last year’s goals. And if you are like me you didn’t reach some of your goals. If you are still dealing with the same debt you had last year – which is...
