by John Skiba, Esq. | Jan 2, 2020 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
You may feel like there is never enough money to pay all of your bills. Dave Ramsey often cites to the statistic that nearly 80% of Americans are living pay-check-to-pay-check. When money is tight, even a small amount of debt can put a lot of stress on a family. A...
by John Skiba, Esq. | Apr 5, 2017 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
The driving force behind most personal bankruptcy cases is unsecured debt like credit cards, medical bills, personal loans, etc. Some express concern as to what will happen to their secured loans such as their mortgage or loan on their car in a bankruptcy case. The...
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 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...
by John Skiba, Esq. | Nov 15, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
In most chapter 7 bankruptcy cases the activity in the case is front loaded. What I mean by that is prior to filing the bankruptcy case there is a lot of activity around pulling all of the necessary information and documentation together to prepare the bankruptcy...
by John Skiba, Esq. | Sep 1, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Bankruptcy is a powerful tool that can once and for all eliminate your debt problems. And while bankruptcy is a lot less painful than most imagine, there are certain pitfalls that can make the process a whole lot more complicated. In this post I am going to discuss...
