by John Skiba, Esq. | Oct 7, 2013 | Chapter 7 Bankruptcy
Getting sick can be very expensive. Many of the bankruptcy cases I file here in Arizona have a large amount of medical bills. And things don’t look to be getting any better. I just renewed my health insurance for my family and not only did my monthly premium...
by John Skiba, Esq. | Sep 24, 2013 | Chapter 7 Bankruptcy, Uncategorized, Wage Garnishment
Wage garnishment is never a good thing. But garnishments seem to always hit at the worst possible time. Your thoughts race – “how am I going to pay my bills? How am I going to buy groceries?” In Arizona creditors can garnish a full 25% of each...
by John Skiba, Esq. | Sep 10, 2013 | Chapter 7 Bankruptcy, Collection Law Suits
Friday the 13th, 2013 is a good day in bankruptcy for people in Arizona. This is the day that the new and improved exemption laws go into effect. Why should you care? If you are needing to file bankruptcy and live in the state of Arizona this means you will be able...
by John Skiba, Esq. | Aug 20, 2013 | Chapter 7 Bankruptcy
Most people I meet with to discuss bankruptcy want to file a chapter 7 bankruptcy. They may not know exactly what a chapter 7 is, but they want their debt to go away and go away and quickly as possible. Chapter 7 bankruptcy is pretty good at doing this. However,...
by John Skiba, Esq. | Aug 9, 2013 | Chapter 7 Bankruptcy
You’ve seen the ads. Bankruptcy for a mere $200 bucks! Sounds like a good deal. You pay $200 dollars and make thousands (or even tens of thousands) of debt go away. So why would you pay seven-times that amount (or more) to hire a bankruptcy attorney? Here...
by John Skiba, Esq. | Aug 3, 2013 | Chapter 7 Bankruptcy, Collection Law Suits
Often when clients come in for a bankruptcy consultation they will tell me their situation and ask whether bankruptcy would be appropriate in their case. The answer to this question varies from person to person. However, there are common factors among most of my...
