I have prepared a series of short videos on the bankruptcy process, including discussions on the various chapters (7, 11, 13).  These videos are all currently posted on You Tube.  You can access these videos by clicking on this link http://www.youtube.com/user/JohnSkibaAttorney .  These videos will give you a good start in gaining knowledge about Chapter 7 bankruptcy, Chapter 11 bankruptcy, or Chapter 13 bankruptcy and if it is a good option for you.  I welcome any comments you may have on the videos and if there are areas you would like more information on.

Arizona bankruptcy lawyer John Skiba offers a free bankruptcy consultation where your specific situation can be discussed.  He can be reached at (480) 464-1111.

Recent numbers show that Arizona ranks third nationwide in both mortgage delinquencies as well as credit card delinquencies.  In meeting with bankruptcy clients on a daily basis, I have begun to see more and more people who have either lost their job or have had a reduction in pay that is making it very difficult to make ends meet.  Most resort to credit card use to cover basic expenses like groceries and gas.  In today’s Arizona Republic, reporter Russ Wiles reports on a prediction from credit bureau TransUnion that Arizona will be the only state in the country that will likely continue to see delinquencies rise on credit cards and home loans.

For those facing overwhelming credit card debt, a chapter 7 bankruptcy can provide instant relief.  Especially if you are behind on credit card payments, you are experiencing the aggressive nature of the credit card companies and the collection agencies they employ.  Immediately upon filing your chapter 7 bankruptcy case the bankruptcy court will issue an Order that stops all collections efforts against you and your property –including stopping the phone calls.

Further, in a chapter 7 bankruptcy, all of your credit card debt can be eliminated with no payback required.  Many assume that if they file a chapter 7 bankruptcy that they will be required to give up their home or their cars.  Actually, most people do not lose any property in their bankruptcy case.  If you are dealing with the stress and burden of credit card debt, contact Arizona Bankruptcy attorney John Skiba for a free bankruptcy consultation.  We can put together a game plan to help you completely eliminate your credit card debt with no repayment required.