by John Skiba, Esq. | Jun 8, 2012 | Chapter 7 Bankruptcy, Collection Law Suits, Debt Settlement, Wage Garnishment
Debt collectors and debt buyers file a lot of lawsuits. Tens of thousands annually here in Arizona alone. That is a lot of paper and a lot of lives that are being impacted. Each week I meet with numerous families who are in complete panic mode because they have...
by John Skiba, Esq. | Jun 4, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
is kind of like life insurance policy. You don’t think about it very often, but if it becomes necessary, you are sooo glad that it is there. Similarly, it can bring some comfort to know that bankruptcy laws allow an escape if things go bad. This is...
by John Skiba, Esq. | May 29, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Bankruptcy. The word itself has a negative vibe. And with good reason. By the time people actually gather up the courage to call my office and set up a bankruptcy consultation there has been a lot of stress, pain, and sleepless nights. Many consider their...
by John Skiba, Esq. | May 22, 2012 | Chapter 7 Bankruptcy
The day you receive your bankruptcy discharge is similar to those Christmas mornings back when you were a kid. You wait and wait for the day to arrive, and then, finally it arrives. Your discharge is entered. All those days, months, and even years of enduring...
by John Skiba, Esq. | May 15, 2012 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement, Uncategorized
Many people will obtain a copy of their credit report and feel a sense of relief when they see that a certain debts have been charged off. This sense of relief comes from their understanding that once a creditor decides to charge off a debt that they can no longer...
by John Skiba, Esq. | May 14, 2012 | Chapter 7 Bankruptcy
You made it through the Meeting of Creditors and are all geared up and ready to go! You had your day in court and are ready to tack on whatever comes next. If your case is like the typical chapter 7 bankruptcy at this point there is a whole lot of nothing going on...