by John Skiba, Esq. | Dec 2, 2011 | Bankruptcy A to Z, Chapter 7 Bankruptcy
This one is pretty basic but you may be surprised as to how many people aren’t quite sure what the difference between a creditor and a debtor is. In the bankruptcy world if you are filing for bankruptcy you will now be known as the Debtor. Owing debts =...
by John Skiba, Esq. | Nov 25, 2011 | Bankruptcy A to Z, Chapter 7 Bankruptcy
It is finally here. The day retailers everywhere and my younger sister look forward to every year! Black Friday. It seems to be starting earlier ever year. Last night after Thanksgiving dinner I ventured out with my wife and some other family members to see if we...
by John Skiba, Esq. | Nov 23, 2011 | Bankruptcy A to Z, Chapter 7 Bankruptcy
Second only to the discharge of debt, the protections of the automatic stay are a large reason why residents of Arizona file for bankruptcy. So what is it? The automatic stay is an Order issued by the Arizona Bankruptcy Court when you file your bankruptcy case. It...
by John Skiba, Esq. | Nov 22, 2011 | Chapter 7 Bankruptcy
As a bankruptcy lawyer in Arizona I have come accustomed to the idea that I am a necessary evil in people’s lives. The last thing people want to do is file for bankruptcy. The last thing they want to do is meet with me. This might lead you to believe that my...
by John Skiba, Esq. | Nov 17, 2011 | Chapter 7 Bankruptcy
If you have looked into filing for bankruptcy you have likely come across something known as the Means Test. Back in 2005 Congress amended the laws related to bankruptcy and put in place new laws that they thought would force more people into a chapter 13 bankruptcy...
by John Skiba, Esq. | Nov 15, 2011 | Chapter 7 Bankruptcy
Lately I have had quite a few people come in lately who need to file for bankruptcy and need to file it RIGHT NOW! The typical things that usually require a person to file bankruptcy quickly are garnishments, foreclosures, law suits, etc. While it is never the...
