by John Skiba, Esq. | Jun 22, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Prior to meeting with me for a bankruptcy consultation many people will have pulled a copy of their credit report to get an idea of the total amount of outstanding debt. Often they will see that certain debts have been “charged off” or “written off” by a certain...
by John Skiba, Esq. | Jun 20, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
A question I get quite often from clients thinking of filing for bankruptcy is how long the actual bankruptcy case will last. The answer to that question depends on what type or chapter of bankruptcy you will be filing. Chapter 7 bankruptcy cases are relatively...
by John Skiba, Esq. | Jun 13, 2011 | Chapter 7 Bankruptcy
In every bankruptcy case it is required that the person filing for bankruptcy attend a meeting called the Meeting of Creditors. This meeting is an opportunity for the trustee who is assigned to your case to ask you questions about the truthfulness of the information...
by John Skiba, Esq. | Jun 9, 2011 | Chapter 7 Bankruptcy
A big fear for many prior to bankruptcy is the thought of having wages garnished. This is a well-founded worry as in Arizona up to 25% of each paycheck can be garnished and paid to your creditors. However, what most people don’t realize is that your creditors can’t...
by John Skiba, Esq. | Jun 8, 2011 | Chapter 7 Bankruptcy
In a fair amount of bankruptcy cases that I file medical bills are a significant part of what lead to the bankruptcy filing. Many people simply can’t afford health insurance and when they get sick the bills can be overwhelming. Medical debts generally fall into the...
by John Skiba, Esq. | Jun 7, 2011 | Chapter 7 Bankruptcy
Hiring a bankruptcy attorney will help you tremendously as you navigate the bankruptcy process. However, it is important to understand that there are many things you can do to help your bankruptcy lawyer that will make the process go much more smoothly. 1. ...
