by John Skiba, Esq. | Oct 3, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
How many times in the last year have you received a notice that your power may be cut off because your are behind on the monthly bill? Or wondered how you were going to get to work or the kids to school because you didn’t have enough gas money? How many nights...
by John Skiba, Esq. | Sep 27, 2011 | Chapter 7 Bankruptcy, Debt Settlement
It really goes without saying that if you are thinking of filing for bankruptcy money in your household is tight. You may be struggling to come up with gas money to get to work or buy groceries let alone coming up with a big sum of money to pay a bankruptcy...
by John Skiba, Esq. | Sep 20, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Foreclosure
In Sunday’s newspaper they reported that nationwide there is expected to be an increase in the number of foreclosures. This not only impacts those families who are losing their homes but results in a continued downward trend in home values here in Arizona. If...
by John Skiba, Esq. | Sep 14, 2011 | Chapter 7 Bankruptcy
When I meet with people in bankruptcy consultations one of the big questions on everyone’s mind is what assets will they lose while going through the bankruptcy process? This fear of losing assets leads some to think about not disclosing all of their assets to...
by John Skiba, Esq. | Sep 7, 2011 | Chapter 7 Bankruptcy, Wage Garnishment
I have been meeting with a lot of people lately that have received a notice of a wage garnishment from their employer. Wage garnishments are terrible. You are embarrassed because your boss/HR Department now knows that you are going through financial difficulties,...
by John Skiba, Esq. | Sep 6, 2011 | Chapter 7 Bankruptcy, Debt Settlement
When I meet with clients to discuss their possible bankruptcy filing I go over all the different options that are out there. I will always give my opinion as to what will best serve their situation. Naturally most people are hesitant to jump into a bankruptcy case,...
