by John Skiba, Esq. | Jul 22, 2014 | Chapter 13 Bankruptcy
I don’t ever sugar coat the realities of a chapter 13 bankruptcy. When you sign up for a chapter 13 you are in it for the long haul. Most chapter 13 bankruptcies I deal with last 60 months. Some are as low as 36 months, but most are 60. The idea behind a...
by John Skiba, Esq. | Jul 17, 2014 | Debt Collection Lawsuits
Getting served with a lawsuit can ruin anyone’s day. First, the way the law requires that you get notice of the lawsuit is very intrusive. A process server must come to your home, unannounced, and give you the summons and complaint. You stand there looking at...
by John Skiba, Esq. | Jul 16, 2014 | Collection Law Suits, Debt Collection Lawsuits
Even though I think most debt collection lawsuits brought by junk debt buyers are just that – junk, there are many factors that can lead to judgment being entered against you and in favor of the debt buyer. After the initial sting of losing in court is over you...
by John Skiba, Esq. | Jul 11, 2014 | Bankruptcy, Chapter 7 Bankruptcy
Sometimes when I meet with families to discuss filing for bankruptcy the tone of the meeting turns from a legal consultation to something more akin to a confessional. I will sit and listen while fathers and mothers pour their heart out as to why they are in their...
by John Skiba, Esq. | Jul 9, 2014 | Collection Law Suits, Debt Collection Lawsuits
Many people who find themselves being sued by a debt collector forgo hiring a lawyer and represent themselves in court. I understand for many people this is a necessity. As a lawyer I can’t work for free (my wife and kids would likely object :)), but most...
