by John Skiba, Esq. | Sep 14, 2015 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy, Foreclosure
Almost daily I meet with families that have avoided filing for bankruptcy because they fear they will lose their home as part of the process. In this article I will discuss how you can know if your house will be put at risk by filing bankruptcy and discuss the...
by John Skiba, Esq. | Sep 9, 2015 | Collection Law Suits, Debt Collection Lawsuits, Fair Debt Collection, FDCPA Claims, Newsletter
Finally! Today the Consumer Financial Protection Bureau (“CFPB”) took action against Midland Funding (and its parent company Encore Capital) and Portfolio Recovery Associates – the nation’s two largest junk debt buyers – for their...
by John Skiba, Esq. | Sep 8, 2015 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement, Fair Debt Collection, FDCPA Claims, Newsletter
I have written previously on the bias that consumers face from courts and others when they challenge a creditor who is suing them on a debt. The source of this bias, in my opinion, is partially due to the trust that people put in large banks. For reasons that are...
by John Skiba, Esq. | Aug 31, 2015 | Fair Debt Collection, FDCPA Claims, Newsletter, TCPA
Struggling with overwhelming debt problems is stressful – and a big source of that stress is the unending debt collection telephone calls. And now that we all have a cell phone with us pretty much 24 hours a day debt collection calls seep into nearly every...
by John Skiba, Esq. | Aug 24, 2015 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement
When a debt is legitimately owed I have found that most people simply want to negotiate a settlement with the creditor and get it behind them. And while creditors will usually agree to settle a debt, if a court case has already been filed they will often ask for you...
