by John Skiba, Esq. | Oct 22, 2014 | Bankruptcy, Debt Collection Lawsuits, Debt Settlement, FDCPA Claims, Newsletter
The other day I met with a family who was barely getting by – large family, large amount of debt, and underemployed for eighteen (18) months. For eighteen (18) months the husband had toiled at a job he was overqualified for, for pay that no-where near met their...
by John Skiba, Esq. | Oct 20, 2014 | Bankruptcy, Chapter 7 Bankruptcy, Garnishment
Imagine losing a full quarter of your paycheck. Terrifying, right? That is what happens when wages are garnished in Arizona. After meeting with thousands of families over the last eleven years I have come to realize that there are a lot more of us living...
by John Skiba, Esq. | Oct 20, 2014 | Collection Law Suits, Debt Collection Lawsuits
I believe many people don’t fight back against debt buyers like Midland Funding, LLC because they believe that they owe the money so why fight it? In this article I want to give you three reasons why you should fight back against Midland Funding even if you...
by John Skiba, Esq. | Oct 16, 2014 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
While it is not a requirement, most people who need to file bankruptcy are struggling with their current financial situation. However, it is not necessarily true that the more broke you are the more you need bankruptcy. In fact, some families I meet with who are in...
by John Skiba, Esq. | Oct 15, 2014 | Collection Law Suits, Debt Collection Lawsuits
Cost is always one of the main concerns when it comes to deciding whether or not you will fight your debt collection lawsuit with Unifund (or Portfolio Recovery Associates, or CACH, LLC, or Cavalry SPV). Most people being sued by a debt collector are tight on cash as...
