Today was a pretty exciting day…if you are a bankruptcy attorney in Arizona. In fact, if you are needing to file bankruptcy and you live in the great state of Arizona you should be excited as well. Or at a minimum slightly interested in what the Arizona legislature did. They raised the exemption limits. When we strip it all away what this means for people in Arizona who are going through the bankruptcy process is that they will be able to keep more of their stuff as they go through [...]
I, like most bankruptcy attorneys here in Arizona, offer a free consultation for those wanting to learn more about the process of filing a chapter 7 bankruptcy. The bankruptcy consultation is a great time for you to understand the basics of what is involved in a chapter 7 filing and what you can expect from the bankruptcy process. Often when people come in for the consultation I can tell they are stressed out, nervous, angry, depressed, etc. and I can tell that they aren’t absorbing very much of what I [...]
It has been a long time since I released an episode of the Consumer Warrior Podcast! I began this podcast about a year ago in connection with my Consumer Warrior website. My goal was to provide some valuable information for people that didn’t need or couldn’t afford an attorney. As time went on it was clear that I was just doubling up on my efforts between that site and the Skiba Law Group website. So, I have decided to combine the two and my plan is provide not only a [...]
Your credit score rules your world. But how much do you really know about it? In this podcast episode I interview Debbie Oliver of ICleanUglyCredit.com. After meeting Debbie I knew I had to have her on the show. In the interview she gives great tips and advice on dealing with creditors and how to increase your credit score.
As I have said before, no one wants to file for bankruptcy. And because of that one of the first questions people ask me is if a debt settlement would be a better alternative to bankruptcy. In this episode of the Consumer Warrior podcast I discuss three questions that you need to ask yourself in determining if debt settlement is a viable alternative to filing for bankruptcy.
When you get sued by a debt buyer like Midland Funding you often feel like it is you against that world – that you don’t know how to deal with it let alone win your case. In this podcast episode I go over three advantages that you have as a consumer that can help you not only survive your debt collection case but make it go away. Here are the three advantages you have over Midland Funding (and all the debt buyers):
There are times when dealing with your debt issues seem totally overwhelming. You get sick of the phone calls, you get sick of the worry, you get sick of wondering if fighting the debt collection lawsuit is the right way to go. Other times, even if you are up for the battle and ready to fight on, you need to take step back and evaluate whether it makes financial sense to continue down the road you are heading. The point is, sometimes the best tactic is to invoke the nuclear [...]
When dealing with a debt collection lawsuit most people would love to be represented by a lawyer. The problem is that many times the amount you are being sued for is relatively small and/or the attorney you want to hire is simply outside of your budget. In this podcast episode I go over four things you need to consider when making the decision whether to hire a lawyer in your debt collection lawsuit or if you should go it alone. Also, if you decide to hire an attorney two great [...]