by John Skiba, Esq. | Jan 30, 2014 | Bankruptcy, Chapter 7 Bankruptcy
When you carry a large debt load you find yourself caught between two worlds; the present where you are trying to pay your rent, car payments, utilities, medical insurance – and the past, where you are trying to pay for past expenses and past financial mistakes....
by John Skiba, Esq. | Jan 28, 2014 | Student Loan Debt, Uncategorized
Many Arizona teachers are unaware of federal programs that can eliminate up to $17,500 of their student loans simply by going to work each day. Teachers that have federal student loans under the FFEL Program or the Direct Loan Program can have their student loans...
by John Skiba, Esq. | Jan 2, 2014 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement
Happy New Year! When this time of year rolls around I always tend look back on the prior year and ask myself if things are any different now than they were a year ago. Did I meet my goals? Have I improved my and my family’s situation? As with many of us I...
by John Skiba, Esq. | Nov 5, 2013 | Chapter 7 Bankruptcy
Starting on November 15, 2013 there will be updated means test numbers here in Arizona for chapter 7 bankruptcy filers. What does this mean? Let me back up and start with what the “means test” is. Back in 2005 Congress, in its infinite wisdom, decided...
by John Skiba, Esq. | Oct 22, 2013 | Collection Law Suits, Debt Collection Lawsuits
Many have heard of arbitration but aren’t quite sure what it is. In Arizona, we have a unique procedure in debt collection lawsuits that requires the parties to the lawsuit to attend what is known as “compulsory arbitration” if the amount that is...