by John Skiba, Esq. | Aug 29, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
When you have made the decision that it is necessary to file for bankruptcy the next step is to plan out when you are going to file your bankruptcy and all the steps that lead up to that day. Almost daily I meet with people who really need to file bankruptcy but have...
by John Skiba, Esq. | Aug 25, 2011 | Chapter 7 Bankruptcy, Wage Garnishment
As I say throughout my website, no one wants to file for bankruptcy. Bankruptcy is usually an absolute last option for people after trying to manage their debts over several months or even years. You keep trying to come up with some payment arrangement with your...
by John Skiba, Esq. | Aug 22, 2011 | Chapter 7 Bankruptcy
Retirement is usually not the time when most people think that bankruptcy will be necessary. However in my bankruptcy practice I meet with many people who are retired who are facing the difficult choice of filing bankruptcy. I have observed a couple reasons for...
by John Skiba, Esq. | Aug 17, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
For most people who are looking to file bankruptcy the choice really comes down to filing a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. In this article I would like to go over seven reasons why Chapter 7 can be preferable over a Chapter 13. Not all bankruptcy...
by John Skiba, Esq. | Aug 16, 2011 | Debt Settlement
Recently I began offering online legal services in response to a need that I saw going unmet. Specifically, people who need legal help in going through the court process but either couldn’t afford to pay an attorney or it simply didn’t make financial...
by John Skiba, Esq. | Aug 15, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
In 2010 Americans gave $291 billion dollars to charity. It is no surprise that in meeting with people about bankruptcy that the topic of how their charitable contributions or tithing will impact their bankruptcy case often comes up. Many are surprised to learn that...
by John Skiba, Esq. | Aug 11, 2011 | Chapter 7 Bankruptcy, Wage Garnishment
In Arizona once a creditor has a judgment against you they can seek to garnish up to 25% of each of your paychecks. Losing a full quarter of your income every two weeks is enough to put many families under. In light of this it is no surprise that when a family does...
by John Skiba, Esq. | Aug 11, 2011 | Uncategorized
Online Legal Services Reduce the Cost of Litigation Just as you are settling in to watch the evening news or catch up on the latest episode of Modern Family you TiVoed, you get a knock at the door and get hit with legal papers from a process server. You have...
by John Skiba, Esq. | Aug 9, 2011 | Chapter 7 Bankruptcy
Well, it is that time of year here in Arizona and my kids are headed back to school. With schools and universities starting all over the country, many people are looking into student loans and figuring out how to finance their education. Along those lines I wanted...
by John Skiba, Esq. | Aug 8, 2011 | Chapter 7 Bankruptcy, Uncategorized
Usually with my bankruptcy blog posts I go over some aspect of the bankruptcy process, however today I thought I would write on an issue that I see in nearly every bankruptcy consultation I do. Guilt. Almost everyone I meet with expresses...
by John Skiba, Esq. | Aug 6, 2011 | Uncategorized
When I meet with clients for a bankruptcy consultations it usually goes without saying that the collection calls are going non-stop. In fact, it is not unusual to have a few calls to their cell phone while they are in the bankruptcy consultation with. As I have...
by John Skiba, Esq. | Aug 4, 2011 | Debt Settlement
Over the past several years I have restricted my law practice to bankruptcy and bankruptcy related matters. Some of you know that in a prior life I did quite a bit of work in the civil litigation area,...
by John Skiba, Esq. | Aug 3, 2011 | Uncategorized
During the free bankruptcy consultations I offer I will regularly meet people who only have one or two delinquent debts and are otherwise in pretty good shape financially. If the debt is significant a bankruptcy may still be the best way to go, but I also explore...
by John Skiba, Esq. | Aug 2, 2011 | Uncategorized
Many people have the concern that they will be fired (or not hired) from their job because they have filed for bankruptcy. The Bankruptcy Code prohibits discrimination against those who have filed for bankruptcy. There are three areas where discrimination is barred:...
by John Skiba, Esq. | Aug 1, 2011 | Chapter 7 Bankruptcy
There was an interesting, although not surprising, article in the Arizona Republic yesterday that cited a poll stating that three out of four middle-class families experienced some sort of health issue stemming from their financial difficulties, including difficulty...
