by John Skiba, Esq. | Aug 11, 2011 | Chapter 7 Bankruptcy, Wage Garnishment
In Arizona once a creditor has a judgment against you they can seek to garnish up to 25% of each of your paychecks. Losing a full quarter of your income every two weeks is enough to put many families under. In light of this it is no surprise that when a family does...
by John Skiba, Esq. | Aug 9, 2011 | Chapter 7 Bankruptcy
Well, it is that time of year here in Arizona and my kids are headed back to school. With schools and universities starting all over the country, many people are looking into student loans and figuring out how to finance their education. Along those lines I wanted...
by John Skiba, Esq. | Aug 8, 2011 | Chapter 7 Bankruptcy, Uncategorized
Usually with my bankruptcy blog posts I go over some aspect of the bankruptcy process, however today I thought I would write on an issue that I see in nearly every bankruptcy consultation I do. Guilt. Almost everyone I meet with expresses...
by John Skiba, Esq. | Aug 1, 2011 | Chapter 7 Bankruptcy
There was an interesting, although not surprising, article in the Arizona Republic yesterday that cited a poll stating that three out of four middle-class families experienced some sort of health issue stemming from their financial difficulties, including difficulty...
by John Skiba, Esq. | Jul 29, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
It is an interesting comparison to watch what is going on Washington with their attempts to raise the debt ceiling and comparing that to your own debt issues. The government has bills to pay, no money, and so it wants its credit line increased to be able to make ends...
by John Skiba, Esq. | Jul 28, 2011 | Chapter 7 Bankruptcy, Foreclosure
As I wrote in a recent article, more than 50% of homes in Arizona are worth less than what is owed on them. This is leading many people to try and short sale their home. However, because of other debt issues, many people are also needing to file bankruptcy. When all...
