by John Skiba, Esq. | Dec 26, 2014 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy, Newsletter
The reality of it is, as much as we try to avoid it, there is a lot of pressure during the Christmas season, particularly on parents, to buy their kids their Christmas wishes – even if it means charging up the credit card more than was planned. This could mean...
by John Skiba, Esq. | Oct 22, 2014 | Bankruptcy, Debt Collection Lawsuits, Debt Settlement, FDCPA Claims, Newsletter
The other day I met with a family who was barely getting by – large family, large amount of debt, and underemployed for eighteen (18) months. For eighteen (18) months the husband had toiled at a job he was overqualified for, for pay that no-where near met their...
by John Skiba, Esq. | Oct 20, 2014 | Bankruptcy, Chapter 7 Bankruptcy, Garnishment
Imagine losing a full quarter of your paycheck. Terrifying, right? That is what happens when wages are garnished in Arizona. After meeting with thousands of families over the last eleven years I have come to realize that there are a lot more of us living...
by John Skiba, Esq. | Oct 16, 2014 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
While it is not a requirement, most people who need to file bankruptcy are struggling with their current financial situation. However, it is not necessarily true that the more broke you are the more you need bankruptcy. In fact, some families I meet with who are in...
by John Skiba, Esq. | Oct 15, 2014 | Bankruptcy, Chapter 7 Bankruptcy
When you file for bankruptcy in Arizona you are only allowed to have a limited amount of cash on hand on the day that your bankruptcy case is filed. Before I go any further it is important to understand that the laws I am about describe are only applicable in...
by John Skiba, Esq. | Oct 10, 2014 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Newsletter
When the decision is finally made to file for bankruptcy usually it has been a long time coming. Rare is the bankruptcy case that needs to be filed on an emergency basis. For most there is sufficient time to gather all the needed documents and wrap up lose ends...
