by John Skiba, Esq. | Nov 25, 2014 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement
We are a month away from the new year, but now is the time to start putting together your game plan to get out of debt in 2015. Debt is often accumulated over several years (and sometimes decades) and it will take some careful planning and affirmative steps on your...
by John Skiba, Esq. | Nov 10, 2014 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement
A while back I wrote a small e-book that went over the top ten myths I heard repeated over and over by clients coming into my office. As I continue to hear these concerns voiced by clients I thought it would be worth going over them again. Myth #1 – If a...
by John Skiba, Esq. | Oct 29, 2014 | Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Newsletter
Filing for bankruptcy is a legal process and while you will likely not have a lot of interaction with the bankruptcy court during your case there are certain court hearings that you must attend and a few others, depending on the circumstances of your case. The court...
by John Skiba, Esq. | Oct 20, 2014 | Bankruptcy, Chapter 7 Bankruptcy, Garnishment
Imagine losing a full quarter of your paycheck. Terrifying, right? That is what happens when wages are garnished in Arizona. After meeting with thousands of families over the last eleven years I have come to realize that there are a lot more of us living...
by John Skiba, Esq. | Oct 16, 2014 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
While it is not a requirement, most people who need to file bankruptcy are struggling with their current financial situation. However, it is not necessarily true that the more broke you are the more you need bankruptcy. In fact, some families I meet with who are in...
by John Skiba, Esq. | Oct 15, 2014 | Bankruptcy, Chapter 7 Bankruptcy
When you file for bankruptcy in Arizona you are only allowed to have a limited amount of cash on hand on the day that your bankruptcy case is filed. Before I go any further it is important to understand that the laws I am about describe are only applicable in...
