by John Skiba, Esq. | Feb 19, 2014 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Podcasts
Over the years I have met with literally thousand of families who are going through one form of debt crisis or another. The pain is real that these people are going through. And most are incredibly embarrassed to even be meeting with me. Most go to great lengths to...
by John Skiba, Esq. | Feb 17, 2014 | Chapter 13 Bankruptcy
Chapter 13 bankruptcy requires that you make a monthly payment to your creditors over a three to five year period. Before we even file your chapter 13 bankruptcy case with the court I will work with you to put together your chapter 13 plan. In this plan you will be...
by John Skiba, Esq. | Feb 11, 2014 | Student Loan Debt
Are your student loans in default? If so you aren’t alone. Default rates on student loans are at their highest rate in decades. Once a student loan is considered in default you run the risk of wage garnishment, lawsuits, and loss of tax refunds. Further, if...
by John Skiba, Esq. | Feb 11, 2014 | Collection Law Suits, Debt Collection Lawsuits
Recently I had a trial where a debt buyer had sued one of my clients. When debt buyers like Midland Funding, Portfolio Recovery, and CACH, LLC file lawsuits they often struggle to prove their case due to their lack of evidence. Likewise it is extremely rare that the...
by John Skiba, Esq. | Feb 7, 2014 | Chapter 7 Bankruptcy, Student Loan Debt
You file bankruptcy to eliminate your debt. However the “fresh start” promise of bankruptcy is often not fully realized due to the fact that student loan debt is usually not eliminated in bankruptcy. Bankruptcy will allow you to get rid of the credit card...
