Chapter 7 Bankruptcy vs Chapter 13 (A Bankruptcy Lawyer's Take)

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Deciding on a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy can be a difficult decision. In this video Lawyer John Skiba discusses the differences and why most people choose Chapter 7 Bankruptcy.

🔥📆 Book an appointment to speak with John: (Arizona Residents Only) (480) 907-3388.

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KEY MOMENTS
00:00 Intro
00:24 Chapter 7 vs 13
02:40 Means Test
03:53 Chapter 13 Tools
05:13 Chapter 7 vs Chapter 13

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MORE ABOUT JOHN SKIBA
John Skiba is a bankruptcy & consumer protection attorney in the state of Arizona.

John helps clients with chapter 7 bankruptcy & chapter 13 bankruptcy for Arizona residents.

🌵🌵🌵🌵🌵 ARIZONA RESIDENTS ONLY: If you live in the state of Arizona and need help with a junk debt buyer lawsuit or need to file bankruptcy I can help you directly.

John offers informational products and strategies for consumers facing serious debt problems - particularly those being sued by junk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, and many more.

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Thumbs up for straight to the point honesty and advice.

astari
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I'm looking to file ch. 7. Currently paying 775 for a carnote plus insurance. My car was stolen 8 days ago and now I have to pay a 1k deductible to insurance. I'm already 4 months behind on my note. I want my car, but I can't afford to pay it with my rent increase. I'm thinking of just paying a bankruptcy lawyer instead of the bank and insurance company. I just turned 30 4 days ago and am completely lost

Clevelandbred
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Chapt 13 also has a 75% failure rate in court

jimandjackandhank
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Company like debt collectors doesn't solve my bankruptcy and financial problems. Getting another credit card loan with higher interest rates. Will never help me getting out of debt collectors. Lawyer Michael J. Worwag in Attorney at Law in Bankruptcy

TomaszSerafin-io
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If you're a permanent resident- does filing bankruptcy disqualify you from becoming a citizen? I'm thinking about filing for bankruptcy one of my friends told me - filing for bankruptcy might disqualify me from becoming a citizen

rainingthunder
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I live in Missouri. Does my state's exemption law include firearms (exempting them from asset seizure)?

EquipaPatriot
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Can you make a video on defending against the original creditor?

viralvidz
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I live in Florida, I owe 25k from a personal loan for renovations, I cant afford the monthly payment it’s 800 a month and I can’t afford even 500 a month the money has already been spent, what should I do

dpg
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Would my student loans with Uncle Sam be canceled under chapter 13?

josuerodrigueztorres
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homestead exemption is that in all states ?

thecatalystoftoday
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Does child support count as a deduction?

Chris-uliq
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So if you file Chapter 7, you have to wait 2 years to get a FHA loan

ayothomas
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How do I know if my debts income ratio qualifies for chapter 7?

claracastillo
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If you want student loans and back taxes resolved isn't chapter 13 better?

monahull
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median income is that gross or what's left after taxes and insurance are taken out ?

scottworrall
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Thanks for making this video. We have always been told chapter 7 is the worst and never to file 7 first. Your perspective was something new for me. I’m in Texas so I am not sure I’ll find a diamond in the ruff like you. Should you have any like minded attorney contacts you recommend, I would deeply appreciate that! Nonetheless, I’m going to look into
7 and pray I find someone who can also look objectively first.

ArticulatedBeauty
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Really interested in a chapter 7 but scared I'll lose my home. Who should I contact to find out what's best for my situation in Illinois.

jakeangelini
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What would happen if they come serve you but you never answer the door ?

linkflx
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Is it possible they can reach our mobile home if my name is not included as an owner?

preciouscatlover
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Hello just watched your video. I live in California and was thinking about filing a chapter 7. My question is I have credit debt and irs debt. Can I included the irs bill? Also I wanted to keep my car and home and not put in the bankruptcy, just credit card debt and the irs.

leslie
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