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John N Skiba
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John Skiba’s Legal Guides

230 total


  • Bankruptcy Can Help You Keep Your Vehicle.

    Home owners have been hit hard in the loss in value in their homes. The recession has resulted in very few home owners having positive equity in their house. The same is true for most when it comes to their vehicles. Even in good times car values nose dive pretty much from the da...

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  • Stop the Phone Calls! Bankruptcy and the Fair Debt Collection Practices Act

    If you are going through financial difficulties and have fallen behind on payments to creditors, you likely experience the unrelenting telephone calls of creditors seeking payment. A previous client once told me that she received over 40 telephone calls from debt collectors in ...

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  • Retirement Funds Are Protected in Bankruptcy

    During the bankruptcy process all assets owned by the filer must be disclosed to the Court. Included in this list of assets that must be disclosed are any interest in funds that are held in a retirement account. Many are concerned that if they decide to file bankruptcy, that they...

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  • Are Student Loans Discharged in Bankruptcy?

    In filing a bankruptcy case, the goal of the filer is to obtain a discharge. The discharge is essentially an order of the bankruptcy court that permanently bars creditors from seeking payment on certain debts. While most debts are discharged through the bankruptcy process, studen...

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  • But How Will The Court Know What Assets I Have If I Don't Tell Them?

    When I meet with clients I discuss how it is important that they disclose all of their assets, all of their debts, and be completely truthful on the information that we provide to the court. Periodically after I give this admonition a client will ask "but how will the court know ...

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  • The Role of the Trustee in Bankruptcy in Arizona

    For those of you researching or looking into the possibility of filing bankruptcy, you will have likely seen much written about a trustee that will be involved in your case. All Chapter 7 and Chapter 13 bankruptcy cases are assigned a trustee that falls under the direction of the...

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  • Personal Bankruptcy and Business Owners

    It is quite common for those who have taken the plunge and opened their own business to end up in bankruptcy. In fact, if you think about it, without bankruptcy laws, how many entrepreneurs would be willing to make the leap and start their own business? If you could never escape ...

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  • The Meeting of Creditors: 341

    For most people who file for bankruptcy, whetherit be a Chapter 7 bankruptcy case or a Chapter 13 bankruptcy case, the only time you will be required to attend a legal proceeding will be at the Meeting of Creditors (sometimes you will hear attorneys refer to this meeting as the 3...

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  • Bankruptcy, Fraud & Nondischargeable Debts

    The end goal of filing bankruptcy is to obtain a discharge order from the bankruptcy court. The discharge order is the document that has the effect of barring your creditors from ever again trying to collect on your debts. Often I get asked the question if there are any debts tha...

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  • How Long Can I Stay in My Home in Bankruptcy?

    Many people I meet with now days are either trying to save their home or find a way to give their home back to the bank with as little liability as possible. For those looking to surrender your home back to the bank, the question is often asked how long will I be able to stay in ...

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