by John Skiba, Esq. | Jan 25, 2014 | Chapter 7 Bankruptcy, Garnishment
Let’s face it. No one wants to file for bankruptcy. Even though many times bankruptcy is the solution we need, we put it off until one day we get hit with a wage garnishment, a debt collection lawsuit, a bank levy, or even foreclosure. Once a creditor takes...
by John Skiba, Esq. | Mar 18, 2013 | Collection Law Suits
Midland Funding is a debt buyer that buys Arizona debts in huge volume. If you have been sued by Midland Funding your first thought was likely “Midland who?” After getting over the unsettling experience of being sued it is important you put together a...
by John Skiba, Esq. | Feb 7, 2012 | Chapter 7 Bankruptcy
I usually try and come up with some clever title for my articles (rarely do I succeed), but with this article I just want to relay pure information. If you need to file bankruptcy, do it now, don’t wait. Delay will only cause you further grief. Yesterday I met...
by John Skiba, Esq. | Jan 13, 2012 | Bankruptcy A to Z, Chapter 7 Bankruptcy
Garnishments are a pain. Maybe the only thing that pushes people into bankruptcy more quickly than garnishment is a foreclosure. In Arizona, a creditor can garnish up to 25% of each pay check. If you are living payday to payday this can completely devastate your...
by John Skiba, Esq. | Oct 6, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
I meet with a lot of people who believe that bankruptcy is going to be their best option. And truthfully, for most of the people I meet with bankruptcy is not only the best option but something they should have done a long time ago. However, when I meet with...
