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 1, 2012 | Chapter 7 Bankruptcy
I know you don’t want to file bankruptcy. There is a lot of baggage that comes along with this one particular legal procedure. Feelings of guilt, failure, and just simply not wanting to deal with the harsh realities of serious debt collection. But there comes a...
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 25, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Self-Help Legal Services
50 pages. The typical consumer bankruptcy has about 45 to 60 pages of information that is filed with the bankruptcy court. Income, debts, assets, transactions, expenses – they all must be disclosed in your bankruptcy documents. If you file for bankruptcy you...
by John Skiba, Esq. | Jul 18, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
You are an adult. You are approaching your bankruptcy as an adult – making the hard decisions and living with the consequences. But you can admit it. Despite your ability to try and remove the emotion from this decision to file bankruptcy, there is a big...
by John Skiba, Esq. | Jul 5, 2012 | Chapter 7 Bankruptcy, Debt Settlement
“I can’t believe it has come to this.” Often when I meet with people in the initial bankruptcy consultation they tell me that they are frustrated, embarrassed, and really in a state of disbelief that their debt situation has reached this point. If...
