by John Skiba, Esq. | Jul 23, 2013 | Collection Law Suits, Debt Collection Lawsuits
Portfolio Recovery files a lot of debt collection lawsuits here in Arizona. If you are reading this you are likely having the misfortune of being on the receiving end of one of their lawsuits. And if you are like most, your first thought was “Portfolio...
by John Skiba, Esq. | Jul 19, 2013 | Chapter 7 Bankruptcy
Here in Phoenix where I live it is hot this time of year. And don’t tell me it is a “dry heat”. 115+ is flat out hot whether humid or not. In the summer time it is not unusual to see fewer and fewer clothes on my fellow Arizonans. However, no...
by John Skiba, Esq. | Jul 18, 2013 | Collection Law Suits, Debt Collection Lawsuits
A recent review of debt collection lawsuits filed by J.P.Morgan Chase found that there was inaccurate information contained within the debt collection cases about 9% of the time. The errors included things like suing for a balance greater than what was owed,...
by John Skiba, Esq. | Jul 10, 2013 | Chapter 7 Bankruptcy
You don’t want to file bankruptcy. I get that. But if you are going to file, you want your bankruptcy to be successful. Right? Often when I meet with people who are considering filing for bankruptcy they will ask me what the chances are that their bankruptcy...
by John Skiba, Esq. | Jul 2, 2013 | Chapter 7 Bankruptcy
If you are like most of the people I meet with, making the decision to file for bankruptcy was a heart-wrenching, exhausting process. You didn’t take the decision lightly and would have preferred to avoid it all together. But you made the tough choice, bit the...
by John Skiba, Esq. | Jun 11, 2013 | Chapter 7 Bankruptcy, Garnishment
Wage garnishment. If I were to guess what the number one thing that pushes people past the tipping point of thinking about filing bankruptcy to actually calling me up and moving things forward, I would say it is wage garnishment. Before a creditor tries to garnish...
by John Skiba, Esq. | Jun 2, 2013 | Chapter 7 Bankruptcy
If you are needing to file a chapter 7 bankruptcy here in Arizona you will be required to attend one court hearing known as the Meeting of Creditors. Sometimes this meeting is simply called the “341” meeting – with “341” referring to the...
by John Skiba, Esq. | May 28, 2013 | Collection Law Suits, Debt Collection Lawsuits
Being sued by Midland Funding – or any junk debt buyer for that matter – can be a scary experience. The big stack of documents dropped off by the process server look official and you may be thinking to yourself that there is no way you can win your case....
by John Skiba, Esq. | May 7, 2013 | Collection Law Suits, Debt Collection Lawsuits, Uncategorized
Probably half a dozen times per week I meet with someone who has been notified that their next check is going to be a quite a bit lighter – wage garnishment. If you are living paycheck to paycheck finding out your wages are going to be garnished is terrifying....
by John Skiba, Esq. | Apr 27, 2013 | Chapter 7 Bankruptcy, Collection Law Suits, Debt Settlement
If you have read my blog at all you have likely read my mantra that “no body wants to file for bankruptcy”. Sometimes it is just flat out necessary. But how do you know if bankruptcy is the right choice? On more than one occasion I have met with families...
by John Skiba, Esq. | Apr 24, 2013 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Podcasts
Today was a pretty exciting day…if you are a bankruptcy attorney in Arizona. In fact, if you are needing to file bankruptcy and you live in the great state of Arizona you should be excited as well. Or at a minimum slightly interested in what the Arizona...
by John Skiba, Esq. | Apr 10, 2013 | Collection Law Suits, Debt Collection Lawsuits
If you have been sued by one of the debt buyers, Midland Funding, Portfolio Recovery, LVNV Funding, you may have felt intimidated not only by the debt collection process but by the fact that you are dealing with a large company who is represented by an attorney. Many...
by John Skiba, Esq. | Apr 4, 2013 | Chapter 7 Bankruptcy, Podcasts
I, like most bankruptcy attorneys here in Arizona, offer a free consultation for those wanting to learn more about the process of filing a chapter 7 bankruptcy. The bankruptcy consultation is a great time for you to understand the basics of what is involved in a...
by John Skiba, Esq. | Mar 30, 2013 | Podcasts
It has been a long time since I released an episode of the Consumer Warrior Podcast! I began this podcast about a year ago in connection with my Consumer Warrior website. My goal was to provide some valuable information for people that didn’t need or...
by John Skiba, Esq. | Mar 26, 2013 | Chapter 7 Bankruptcy
Is bankruptcy a simple process here in Arizona? Depends. Often when I meet with people they will tell me that they have a very easy bankruptcy case for me. Over the years my experience has taught me to become skeptical – because rarely is there such a thing...
