by John Skiba, Esq. | Oct 19, 2011 | Chapter 7 Bankruptcy, Debt Settlement
When the bankruptcy code was amended back in 2005 one of the new requirements was that those wishing to file for bankruptcy would need to take a pre-bankruptcy credit counseling course as well as a post-filing financial management course. Pre-Bankruptcy Credit...
by John Skiba, Esq. | Oct 18, 2011 | Chapter 7 Bankruptcy
Filing bankruptcy just got slightly more expensive and for some in Arizona it will be more difficult to file a Chapter 7 bankruptcy. On November 1st of this year the filing fees for filing a Chapter 7 bankruptyc and Chapter 13 bankruptcy will go up. Further, on...
by John Skiba, Esq. | Oct 17, 2011 | Chapter 7 Bankruptcy
During my bankruptcy consultations I meet with several families every week that are struggling through financial problems. In almost every situation the main problem is large amounts of credit card debt. As this recession drags on people are having wages cut or...
by John Skiba, Esq. | Oct 6, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
I meet with a lot of people who believe that bankruptcy is going to be their best option. And truthfully, for most of the people I meet with bankruptcy is not only the best option but something they should have done a long time ago. However, when I meet with...
by John Skiba, Esq. | Sep 8, 2011 | Uncategorized
The answer is no. You are not going to go to jail because you can’t pay your debts. In ages past if you couldn’t pay your debts you would be put in debtor’s prison, however the U.S. government abolished debtor’s prisons in 1833. Some...