by John Skiba, Esq. | Aug 22, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
For many, the thought of living life without a credit card is terrifying. The credit card has replaced a savings account as the go-to resource when an unexpected expense comes up or for those that simply aren’t making ends meet. Because of this, when I...
by John Skiba, Esq. | Aug 10, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
One of the biggest perks that comes with filing bankruptcy, if there are perks, is that from the moment you file your bankruptcy case your creditors can no longer contact you. This means the phone calls stop! And this continues throughout the entirety of your...
by John Skiba, Esq. | Aug 7, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Five of my six kids are headed off to school in the next few days. It seems like the school years starts a little earlier each year. There are schools herein Arizona that start in July! And as focus returns to hitting the books the issue of student loans is on a...
by John Skiba, Esq. | Aug 3, 2012 | Chapter 13 Bankruptcy
33%. Lately I have been researching success rates of chapter 13 bankruptcy cases and while there is data all over the place from state-to-state and year-to-year, it seems that the national success rate of chapter 13 bankruptcy cases is about 33%. In some states it...
by John Skiba, Esq. | Jul 30, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
When times get difficult, the first people we turn to is our family. It is no different when we go through financial difficulties. You may have loaned money from a family member or taken a loan yourself. You may have given that 1992 Geo Metro to your 18 year-old as...
by John Skiba, Esq. | Jul 27, 2012 | Chapter 13 Bankruptcy
Chapter 13 bankruptcy has a lot of powerful tools and advantages over a chapter 7 bankruptcy. It also has a few disadvantages – the main one being that you have to pay a monthly payment based upon a plan that you submit to the bankruptcy court. When meeting...
