by John Skiba, Esq. | Mar 16, 2020 | COVID-19
We are living in strange times. With the worldwide efforts to stop the spread of the Coronavirus / COVID-19, we are seeing most schools and large events being canceled. There are even discussions of shutting down all non-essential services throughout the United...
by John Skiba, Esq. | Jan 2, 2020 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
You may feel like there is never enough money to pay all of your bills. Dave Ramsey often cites to the statistic that nearly 80% of Americans are living pay-check-to-pay-check. When money is tight, even a small amount of debt can put a lot of stress on a family. A...
by John Skiba, Esq. | Dec 26, 2019 | Budgeting & Financial Management Articles, Collection Law Suits, Debt Collection Lawsuits, Debt Settlement
In this article, I am going to give you the inside scoop on how to successfully settle your debts for less than what you owe. When struggling with serious debt problems you really have three options: (1) pay them in full; (2) file bankruptcy; or (3) negotiate a...
by John Skiba, Esq. | Mar 6, 2019 | Bankruptcy, Debt Collection Lawsuits
Can a debt collector put a lien on your home? Worse yet, can a debt collector foreclose on your house? *** New Arizona Court Decision *** Recently, the Arizona Court of Appeals addressed these questions in Pac. W. Bank v. Castleton, No. 1 CA-CV 17-0667 (Ariz. Ct. App....
by John Skiba, Esq. | Mar 6, 2019 | Bankruptcy, Chapter 7 Bankruptcy
I have helped Arizona families deal with serious debt problems for nearly two decades. During that time the biggest hurdle for most families that desperately needed debt relief was how they could afford to pay the legal fees associated with filing for bankruptcy. In...
