by John Skiba, Esq. | Nov 26, 2013 | Chapter 7 Bankruptcy, Debt Collection Lawsuits
Talk about the gift that keeps on giving the whole year through! I am up visiting family in Utah for the Thanksgiving holiday and noticed this sign on a local credit union. It got me to thinking about trends I notice when I review the debts of my bankruptcy clients....
by John Skiba, Esq. | Nov 5, 2013 | Chapter 7 Bankruptcy
Starting on November 15, 2013 there will be updated means test numbers here in Arizona for chapter 7 bankruptcy filers. What does this mean? Let me back up and start with what the “means test” is. Back in 2005 Congress, in its infinite wisdom, decided...
by John Skiba, Esq. | Oct 14, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
You’re considering bankruptcy likely because of the benefits you perceive bankruptcy providing to you and your family. You may also be avoiding or delaying your bankruptcy for the perceived negative impact it is going to have on your life. Good and bad –...
by John Skiba, Esq. | Oct 10, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Several years ago I was driving my family from Arizona to Utah to be with family for the holidays. This is about an eleven (11) hour drive (and with six kids it is awesome!). While stopped for gas I found a copy of Dave Ramsey’s Total Money Makeover and bought...
by John Skiba, Esq. | Oct 9, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Just yesterday the Arizona Bankruptcy court released a video presented by retired bankruptcy Judge Charles Case. Judge Case talks briefly about the implications of filing bankruptcy without an attorney. He states that here in Arizona 25% of bankruptcy cases filed by...
by John Skiba, Esq. | Oct 8, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
No one wants to file for bankruptcy. And despite what some may think, bankruptcy is almost always a last resort for people. Truth be known most people that file bankruptcy should have filed years before they actually did – often to their detriment. People...
