by John Skiba, Esq. | Dec 28, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Another year is in the books. Looking back over 2012 I wrote over 80 articles on bankruptcy. Hopefully these have provided some value and direction for those of you who are dealing with the all-encompassing and very stressful burden of debt. My goal on the blog is...
by John Skiba, Esq. | Dec 11, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Sometimes, after all the stress, the paperwork, and the gut wrenching that went into making the decision to file for bankruptcy, people will want out. The reasons vary. Often there is a change in circumstances making the bankruptcy no longer necessary – or at...
by John Skiba, Esq. | Nov 27, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
When I was a kid I remember my Dad mentioning how stressful Christmas is. I didn’t understand how the greatest time of the year could be stressful. But now as a father to six kids, I know what he was talking about. Frankly, Christmas is expensive. Even if...
by John Skiba, Esq. | Nov 19, 2012 | Podcasts
Your credit score rules your world. But how much do you really know about it? In this podcast episode I interview Debbie Oliver of ICleanUglyCredit.com. After meeting Debbie I knew I had to have her on the show. In the interview she gives great tips and advice on...
by John Skiba, Esq. | Nov 19, 2012 | Uncategorized
Credit scores. They rule our world but so little is known about how they are calculated and how we can make them better. In my law practice I have been looking for someone I can refer clients to who can help them as they try to increase their credit score and deal...
by John Skiba, Esq. | Nov 7, 2012 | Chapter 7 Bankruptcy
Votes have been cast. Election is done. Now what? Much was made by many commentators that after all the money, the ads, and the speeches the country is essentially where it left before the election. So the question that everyone (and I mean everyone) is asking,...
by John Skiba, Esq. | Nov 5, 2012 | Chapter 7 Bankruptcy, Debt Settlement, Podcasts
As I have said before, no one wants to file for bankruptcy. And because of that one of the first questions people ask me is if a debt settlement would be a better alternative to bankruptcy. In this episode of the Consumer Warrior podcast I discuss three questions...
by John Skiba, Esq. | Nov 3, 2012 | Bankruptcy, Debt Settlement
If you are thinking about bankruptcy you have no doubt thought about debt settlement. In this episode of the Consumer Warrior I go over the pros and cons of both bankruptcy and debt settlement and when each remedy is appropriate. I will go over the three questions I...
by John Skiba, Esq. | Nov 1, 2012 | Chapter 7 Bankruptcy, Collection Law Suits, Wage Garnishment
The financial situations that lead up to bankruptcy are usually pretty stressful. Collection calls, law suits, wage garnishments, all bring uncertainty and strain most people to the breaking point. The bankruptcy process doesn’t have to follow this same path....
by John Skiba, Esq. | Oct 20, 2012 | Podcasts
I have a new episode of the Consumer Warrior podcast out that helps you in your fight against Midland...
by John Skiba, Esq. | Oct 20, 2012 | Debt Collection Lawsuits, Podcasts
When you get sued by a debt buyer like Midland Funding you often feel like it is you against that world – that you don’t know how to deal with it let alone win your case. In this podcast episode I go over three advantages that you have as a consumer that...
by John Skiba, Esq. | Oct 16, 2012 | Chapter 7 Bankruptcy
Chapter 7 bankruptcy has many advantages. It can wipe out all of your credit card debt, medical bills, and most unsecured debts. However, it has a couple of downsides – one of which is that you must qualify for a chapter 7 bankruptcy. How it works is we are...
by John Skiba, Esq. | Oct 10, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Last Sunday I listened to a sermon on hope and faith and how what it all really boils down to is our hope for something better or a continuation of the good relationships we now have. And while I am not comparing the Gospel to bankruptcy law I of course tend to draw...
by John Skiba, Esq. | Oct 2, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
When times are tough it is natural that we turn to those closest to us when we need help. Society as a whole is seeing large numbers of ‘boomerang’ kids – adult children who move back home after college or when dealing with a financial crisis. Most...
by John Skiba, Esq. | Sep 26, 2012 | Chapter 7 Bankruptcy
If you have ever had to deal with having your credit card information stolen or been a victim of identity theft you know how difficult it can be to undo the damage. Proving that you didn’t do something is very difficult. The creditor and even the courts often...
