by John Skiba, Esq. | Mar 11, 2014 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
One of the stars of “Real Housewives of New Jersey”, Teresa Giudice, and her husband Joe, recently plead guilty to concealing assets in their bankruptcy case and now face up to 46 months in jail. So what can we learn from a “real housewife”?...
by John Skiba, Esq. | Mar 7, 2014 | Collection Law Suits, Debt Collection Lawsuits, Podcasts
From the day you are served with the debt collector’s Summons and Complaint you find yourself thrust into the Arizona civil judicial system. If the debt collector who has sued you is one of the large debt buyers like Midland Funding or Portfolio Recovery it is...
by John Skiba, Esq. | Feb 27, 2014 | Collection Law Suits, Debt Collection Lawsuits
Should you represent yourself in your debt collection lawsuit with Midland Funding, LLC? Many people who get sued by a debt collector often take up the battle alone – spending late nights scouring the internet hoping to find information that will help them win...
by John Skiba, Esq. | Feb 26, 2014 | Debt Collection Lawsuits, Podcasts
Recently I read an article that said nearly 98% of debt collection lawsuits ended up in a default judgment. A default judgment is entered with the person getting sued doesn’t respond to the lawsuit. Most people don’t respond for one of a handful of...
by John Skiba, Esq. | Feb 20, 2014 | Student Loan Debt
Last night my wife and I attended an event held by a local high school where the guest speaker was Dr. Larry Arnn, the president of Hillsdale College. He gave a great speech on the benefits of a liberal arts education and by the end of the evening I was totally sold...
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...
by John Skiba, Esq. | Feb 7, 2014 | Collection Law Suits, Debt Collection Lawsuits
Cavalry SPV is a debt buyer who sues people here in Arizona. If you are in the stressful position of having been sued by Cavalry SPV your first thought was like “who in the world are these people?”. In fact, many people ignore the lawsuit because they...
by John Skiba, Esq. | Feb 4, 2014 | Collection Law Suits, Debt Collection Lawsuits
I recently met with a family who had been served with a debt collection lawsuit by CACH, LLC. They were low on money and decided that they would attempt to handle the case themselves. Their thinking was if they could only get the case in front of the judge that they...
by John Skiba, Esq. | Jan 30, 2014 | Bankruptcy, Chapter 7 Bankruptcy
When you carry a large debt load you find yourself caught between two worlds; the present where you are trying to pay your rent, car payments, utilities, medical insurance – and the past, where you are trying to pay for past expenses and past financial mistakes....
by John Skiba, Esq. | Jan 28, 2014 | Student Loan Debt
The amount of student loans incurred by Arizona residents continues to climb. In fact that total amount of student loan debt is now over $1 trillion dollars nationally. Many people find themselves in a situation where they can’t pay both their student loans...
by John Skiba, Esq. | Jan 28, 2014 | Student Loan Debt, Uncategorized
Many Arizona teachers are unaware of federal programs that can eliminate up to $17,500 of their student loans simply by going to work each day. Teachers that have federal student loans under the FFEL Program or the Direct Loan Program can have their student loans...
