by John Skiba, Esq. | Oct 15, 2013 | Debt Collection Lawsuits, Debt Settlement
Often when I meet with clients who are dealing with Midland Funding debt collection lawsuit I can see the worry and exhaustion in their eyes. Many times here in Arizona people who get sued by Midland will try and represent themselves. Quickly they find out there is...
by John Skiba, Esq. | Oct 14, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
You’re considering bankruptcy likely because of the benefits you perceive bankruptcy providing to you and your family. You may also be avoiding or delaying your bankruptcy for the perceived negative impact it is going to have on your life. Good and bad –...
by John Skiba, Esq. | Oct 11, 2013 | Debt Collection Lawsuits, Fair Debt Collection
Before being sued by Midland Funding most don’t have a clue who this company is or why they being served with a lawsuit. Midland Funding is a debt buyer. Companies like Midland Funding, Portfolio Recovery Associates, CACH, LLC, and Cavalry SPV, purchase old...
by John Skiba, Esq. | Oct 10, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Several years ago I was driving my family from Arizona to Utah to be with family for the holidays. This is about an eleven (11) hour drive (and with six kids it is awesome!). While stopped for gas I found a copy of Dave Ramsey’s Total Money Makeover and bought...
by John Skiba, Esq. | Oct 9, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Just yesterday the Arizona Bankruptcy court released a video presented by retired bankruptcy Judge Charles Case. Judge Case talks briefly about the implications of filing bankruptcy without an attorney. He states that here in Arizona 25% of bankruptcy cases filed by...
by John Skiba, Esq. | Oct 8, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
No one wants to file for bankruptcy. And despite what some may think, bankruptcy is almost always a last resort for people. Truth be known most people that file bankruptcy should have filed years before they actually did – often to their detriment. People...
by John Skiba, Esq. | Oct 7, 2013 | Chapter 7 Bankruptcy
Getting sick can be very expensive. Many of the bankruptcy cases I file here in Arizona have a large amount of medical bills. And things don’t look to be getting any better. I just renewed my health insurance for my family and not only did my monthly premium...
by John Skiba, Esq. | Sep 24, 2013 | Chapter 7 Bankruptcy, Uncategorized, Wage Garnishment
Wage garnishment is never a good thing. But garnishments seem to always hit at the worst possible time. Your thoughts race – “how am I going to pay my bills? How am I going to buy groceries?” In Arizona creditors can garnish a full 25% of each...
by John Skiba, Esq. | Sep 19, 2013 | Collection Law Suits, Debt Collection Lawsuits
I am a lawyer in Arizona that represents people against Midland Funding, LLC in lawsuits. So this blog post may appear somewhat self serving. A lot of people who get sued by Midland Funding, LLC go to battle alone without the help of a lawyer. This is...
by John Skiba, Esq. | Sep 10, 2013 | Chapter 7 Bankruptcy, Collection Law Suits
Friday the 13th, 2013 is a good day in bankruptcy for people in Arizona. This is the day that the new and improved exemption laws go into effect. Why should you care? If you are needing to file bankruptcy and live in the state of Arizona this means you will be able...
by John Skiba, Esq. | Aug 28, 2013 | Collection Law Suits, Debt Collection Lawsuits
A fair amount of my law practice is devoted to helping people in Arizona who have been sued by Midland Funding. With that being said, I clearly have a bias when it comes to answering the question of whether or not you should hire a lawyer rather than fight Midland...
by John Skiba, Esq. | Aug 20, 2013 | Chapter 7 Bankruptcy
Most people I meet with to discuss bankruptcy want to file a chapter 7 bankruptcy. They may not know exactly what a chapter 7 is, but they want their debt to go away and go away and quickly as possible. Chapter 7 bankruptcy is pretty good at doing this. However,...
by John Skiba, Esq. | Aug 9, 2013 | Chapter 7 Bankruptcy
You’ve seen the ads. Bankruptcy for a mere $200 bucks! Sounds like a good deal. You pay $200 dollars and make thousands (or even tens of thousands) of debt go away. So why would you pay seven-times that amount (or more) to hire a bankruptcy attorney? Here...
by John Skiba, Esq. | Aug 3, 2013 | Chapter 7 Bankruptcy, Collection Law Suits
Often when clients come in for a bankruptcy consultation they will tell me their situation and ask whether bankruptcy would be appropriate in their case. The answer to this question varies from person to person. However, there are common factors among most of my...
by John Skiba, Esq. | Jul 24, 2013 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement
When it comes to Midland Funding lawsuits I am usually a big advocate of taking them head on and making them prove their case. But are there times when you should settle? First lets discuss what it means to settle. Settling a debt collection lawsuit means that you...
