Benjamin Allen Skinner’s Guides

Benjamin Allen Skinner

Mesa Real Estate Attorney.

Contributor Level 6
  1. Arizona Lien Strips Can Strip You of a 2nd Mortgage

    Written by attorney Benjamin Skinner, over 2 years ago.

    A benefit of fling a Chapter 13 is that it comes with the ability to strip a 2nd mortgage or home equity line of credit. If you are upside down on your home (meaning that you owe more on home loans than what your home is worth), a lien strip could be the most powerful tool to pro...

    1 person found this Legal Guide helpful

  2. The Many Benefits of Chapter 13 Bankruptcy in Arizona

    Written by attorney Benjamin Skinner, over 2 years ago.

    Often times, when people consider filing for bankruptcy, they think theyve reached their worst case scenario. However, in reality, people have many options when filing for bankruptcy. The length of the bankruptcy as well as the amount written off can vary according to what chapte...

    1 person found this Legal Guide helpful

  3. How to Choose a Personal Bankruptcy Attorney in Arizona

    Written by attorney Benjamin Skinner, over 2 years ago.

    Finding an experienced and knowledgeable personal bankruptcy attorney can make a significant difference for your future financial situation. Some firms have a long history of practicing in the area bankruptcy and have the necessary knowledge that only comes with many years of exp...

    1 person found this Legal Guide helpful

  4. Arizona Bankruptcy and Tax Refunds

    Written by attorney Benjamin Skinner, over 2 years ago.

    With Tax season upon us, the question on the minds of potential bankruptcy filers is, How do we keep our tax refund after filing? Some people opt to spend their tax refund outright. The problem with this strategy is that when a person or couple files for chapter 7 or chapter 13, ...

    1 person found this Legal Guide helpful

  5. Things to Know Before Agreeing to Co-Sign a Loan in Arizona

    Written by attorney Benjamin Skinner, over 2 years ago.

    When a close friend or relative asks you to co-sign on a loan, it might be difficult to say no. But before you agree to help that person out, you should know exactly what youre signing up for. Federal law requires creditors to give you a notice that explains your obligations befo...

    1 person found this Legal Guide helpful

  6. What is an Adversary Proceeding?

    Written by attorney Benjamin Skinner, over 2 years ago.

    Basically, an adversary proceeding is when one party files against another party (in the context of a bankruptcy case). There are only three parties that can file such a proceeding: the creditor, the trustee, and the debtor. The proceeding goes to court and a bankruptcy judge det...

    1 person found this Legal Guide helpful

  7. I Need to File for Bankruptcy in Arizona, but How Can I Come Up with Money for Attorney Fees?

    Written by attorney Benjamin Skinner, over 2 years ago.

    Hearing the term attorney fees when filing for a bankruptcy can be a real nail biter. Lets face it, if you are behind in paying other bills, hearing about a new expense can cause even more anxiety. The good news is, once you have retained an attorney, the creditors stop calling. ...

    2 people found this Legal Guide helpful

  8. Is it Possible to Discharge My Student Loans in Arizona?

    Written by attorney Benjamin Skinner, over 2 years ago.

    The short answer is yes, there is a way to discharge your student loans. However, the long and explicative answer is more complicated and less encouraging. Student loans are deemed a non-dischargeable form of debt, unless you can prove undue hardship. This basically means that yo...

    1 person found this Legal Guide helpful

  9. Break the Chains of Student Loans and Get Financial Freedom!

    Written by attorney Benjamin Skinner, over 2 years ago.

    Student loans are extremely common causes of debt for average Americans. Due to the rising cost of a college education paired with an unforgiving and dismal economy, more and more college graduates are falling victim to paralyzing student loan debt. Reality For Most Many college ...

    1 person found this Legal Guide helpful

  10. Twinkies and Wonder Bread File for Bankruptcy: What is to Blame?

    Written by attorney Benjamin Skinner, over 2 years ago.

    The company responsible for Ho Hos, Twinkies, and Ding Dongs has announced that it has filed for bankruptcy protection. Hostess Brands filed for Chapter 11 bankruptcy once before, in 2004 when it was under the name Interstate Bakeries Corp. The company recently came out from a fi...

    1 person found this Legal Guide helpful