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. | Dec 19, 2016 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Tax Debt
When it comes to IRS tax debt none of the typical debt collection rules apply. The IRS has power to take your money and lien your home without even filing a lawsuit. This is much different than the standard unsecured debt (i.e. credit cards, medical, etc.). Normally,...
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 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...
