by John Skiba, Esq. | Jul 23, 2011 | Chapter 7 Bankruptcy
Yesterday Fox News reported that there was an increase in unemployment in a majority of the states. In this article I want to discuss how losing your job impacts your ability to file a Chapter 7 bankruptcy. First, one of the changes made to the bankruptcy code back...
by John Skiba, Esq. | Jul 14, 2011 | Chapter 7 Bankruptcy
I routinely meet with small business owners that are going through financial difficulties and often get the question if just the business can file bankruptcy and eliminate the company debts. Before I can answer the question it is important for me to understand what...
by John Skiba, Esq. | Jul 12, 2011 | Chapter 7 Bankruptcy
103, 108, 109, 106. Those are the temperatures over the last four days here in Phoenix. For those of us in the Phoenix area you know that if you don’t have power, you are in serious trouble. My air conditioner runs day and night this time of year, and if you are in...
by John Skiba, Esq. | Jul 9, 2011 | Chapter 7 Bankruptcy, Garnishment
***** Update***** Check out the new Consumer Warrior Podcast Episode on Fighting Wage Garnishment! Many people I meet with for bankruptcy consultations are terrified that their wages are going to be garnished because they have missed a payment or two on their credit...
by John Skiba, Esq. | Jul 8, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
I mention quite frequently in my blogs on and on my website that no one wants to file for bankruptcy. Because of this many people delay their bankruptcy filing even when it will be the best decision in the long run. After having just celebrated the July 4th holiday,...
by John Skiba, Esq. | Jun 29, 2011 | Chapter 7 Bankruptcy
Often at the end of a bankruptcy consultation I get hit with the question – would you file bankruptcy with this amount of debt? People are worried that the amount of debt they have is not enough to warrant a bankruptcy filing. There is no magical number or threshold...
