Jackson White Law's Arizona Bankruptcy Attorney Offers Free Bankruptcy Consultations

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With the downturn of the economy, more and more people and businesses have been forced to turn to bankruptcy as their only chance of redemption. John N. Skiba is an Arizona bankruptcy attorney that works for Jackson White Law, one of the largest law firms in east Phoenix. As a bankruptcy attorney, he offers free bankruptcy consultations to help clients decide whether filing for bankruptcy is a viable option.

John Skiba

Through the bankruptcy process, debtors can discharge their debts or create a repayment plan to eliminate their debts over a period of years

With the fall of the economy, there has been a rise in bankruptcy and foreclosures. Many people are losing their homes because they cannot make their payments. Individuals and businesses flounder in debt, avoiding bankruptcy because of its negative connotations, not realizing that bankruptcy may be their best option. By not fully understanding the bankruptcy process, those that avoid it may lose more than if they chose to file for bankruptcy.

Only the individual can choose to make the decision whether or not to file for bankruptcy. It is a complicated procedure however, involving court petitions, strict timelines, and dealing with creditors' objections. The bankruptcy process can be made easier through a free bankruptcy consultation offered by Jackson White Law's attorney John Skiba. John is an experienced Arizona bankruptcy lawyer helping businesses and individuals in financial distress.

During such an emotional and perhaps traumatizing time of a person's life, it is sometimes hard to stay optimistic about the future. One may not fully understand that there are a number of options available to them that could help ease the burden of financial stress. "Through the bankruptcy process, debtors can discharge their debts or create a repayment plan to eliminate their debts over a period of years," says John. In his consulting with those facing bankruptcy, John clearly and thoroughly goes over every option available to a client. He will discuss the various different types of bankruptcy filings there are including chapter 7, chapter 11, and even the implications of the chapter 13 cramdown. Understanding the details of these is the first step to putting one on his/her way to debt relief through bankruptcy.

Though many people think that filing for bankruptcy will destroy their credit, this is not always true. In some cases it can actually improve it. Those with already low credit scores can see an increase in their credit score if they are careful with their spending after the bankruptcy process. By working with Jackson White Law's bankruptcy attorney and making a financial plan for after bankruptcy, the individual can get his/her life and financial status back on track and off to a brighter future with a fresh start.

For additional information on the bankruptcy process and JacksonWhiteLaw's free consultation, please contact John Skiba at (480) 464-1111.

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