Arizona Bankruptcy & Debt Defense Insights
Plain-English articles on bankruptcy, debt collection lawsuits, and consumer rights from attorney John Skiba.
Book Free Consultation →How Does Filing Bankruptcy Affect My Credit Score?
Your score will drop when you file bankruptcy, but probably less than you think. Here's how long it stays on your report, how fast you can rebuild, and when you can buy a house.
Introducing CaseDefender: Draft Your Answer to a Debt Collection Lawsuit — No Lawyer Required
The Consumer Warrior just launched CaseDefender — a self-help tool that drafts your Answer to a debt collection lawsuit in about 10 minutes, in any state.
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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