by John Skiba, Esq. | Sep 7, 2011 | Chapter 7 Bankruptcy, Wage Garnishment
I have been meeting with a lot of people lately that have received a notice of a wage garnishment from their employer. Wage garnishments are terrible. You are embarrassed because your boss/HR Department now knows that you are going through financial difficulties,...
by John Skiba, Esq. | Sep 6, 2011 | Chapter 7 Bankruptcy, Debt Settlement
When I meet with clients to discuss their possible bankruptcy filing I go over all the different options that are out there. I will always give my opinion as to what will best serve their situation. Naturally most people are hesitant to jump into a bankruptcy case,...
by John Skiba, Esq. | Aug 31, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Often clients tell me that it took a long time for them to finally make an appointment to see me about their bankruptcy. No one wants to file for bankruptcy, but sometimes it becomes necessary. The problem I often see is that people will wait too long to file their...
by John Skiba, Esq. | Aug 25, 2011 | Chapter 7 Bankruptcy, Wage Garnishment
As I say throughout my website, no one wants to file for bankruptcy. Bankruptcy is usually an absolute last option for people after trying to manage their debts over several months or even years. You keep trying to come up with some payment arrangement with your...
by John Skiba, Esq. | Aug 22, 2011 | Chapter 7 Bankruptcy
Retirement is usually not the time when most people think that bankruptcy will be necessary. However in my bankruptcy practice I meet with many people who are retired who are facing the difficult choice of filing bankruptcy. I have observed a couple reasons for...