Arizona Bankruptcy & Debt Defense Insights
Plain-English articles on bankruptcy, debt collection lawsuits, and consumer rights from attorney John Skiba.
Book Free Consultation →How to Win Your Debt Collection Lawsuit Without Going to Trial
Sued by a debt collector? Three ways to win your debt collection lawsuit without going to trial: statute of limitations, arbitration, and settlement.
What to Do When Your Wages Have Been Garnished
A creditor is taking a cut of your paycheck before you ever see it. How wage garnishment works in Arizona — and how to stop it, often quickly.
What to Do If You're Sued by a Credit Card Company
Served by a credit card company or debt collector in Arizona? These cases are far more winnable than most people realize. The steps to take, fast.
Do I Qualify for Chapter 7 Bankruptcy?
Do you qualify for Chapter 7 bankruptcy in Arizona? A plain-English walkthrough of the income limits, the means test, and what else you'll need.
Arizona Bankruptcy Exemptions: What's Protected in 2026
Arizona's 2026 bankruptcy exemptions in plain English: what you get to keep — home, car, retirement, household goods — broken down by category.
Sued by Midland Credit Management in Arizona? Here's What to Do Next
Sued by Midland Credit Management in Arizona? You have 20 days to respond — and a real shot at winning. Here's exactly what to do next.
Can I Keep My House in Chapter 7 Bankruptcy in Arizona?
Will you lose your house if you file Chapter 7 in Arizona? For most homeowners, no. How the homestead exemption protects up to $400,000 of equity.
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