by John Skiba, Esq. | Oct 3, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
How many times in the last year have you received a notice that your power may be cut off because your are behind on the monthly bill? Or wondered how you were going to get to work or the kids to school because you didn’t have enough gas money? How many nights...
by John Skiba, Esq. | Sep 20, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Foreclosure
In Sunday’s newspaper they reported that nationwide there is expected to be an increase in the number of foreclosures. This not only impacts those families who are losing their homes but results in a continued downward trend in home values here in Arizona. If...
by John Skiba, Esq. | Aug 31, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Often clients tell me that it took a long time for them to finally make an appointment to see me about their bankruptcy. No one wants to file for bankruptcy, but sometimes it becomes necessary. The problem I often see is that people will wait too long to file their...
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 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 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...
