by John Skiba, Esq. | Sep 20, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Often people will delay their bankruptcy filing. They aren’t sure if they should file, they don’t want to file, they don’t know how to file, or don’t have the money to hire an attorney to file. Delay in the debt collection world usually means...
by John Skiba, Esq. | Sep 18, 2012 | Chapter 7 Bankruptcy, Collection Law Suits
Bankruptcy. No one wants to file it. And because of that some people will delay the filing of their bankruptcy even though it could have disasterous consequences. There are, however, a few what I like to call “motivators” when it comes to filing a...
by John Skiba, Esq. | Sep 12, 2012 | Bankruptcy, Debt Collection Lawsuits, Podcasts
There are times when dealing with your debt issues seem totally overwhelming. You get sick of the phone calls, you get sick of the worry, you get sick of wondering if fighting the debt collection lawsuit is the right way to go. Other times, even if you are up for the...
by John Skiba, Esq. | Sep 11, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
When I first meet with my bankruptcy clients almost all of them tell me that they have been thinking of filing bankruptcy for a very long time but have struggled to finally make the decision to pull the trigger. It is understandable. No one wants to file bankruptcy....
by John Skiba, Esq. | Sep 4, 2012 | Collection Law Suits
Recently a couple of cases I have had against the debt buyer Midland Funding have proven that sometimes showing up truly is half the battle. Most people that get sued by Midland Funding or one of the other debt buyers don’t show up. In fact, they fail to...
by John Skiba, Esq. | Aug 30, 2012 | Podcasts
In this latest episode of the Consumer Warrior podcast I go over four things you should consider as you evaluate whether to represent yourself in court....
by John Skiba, Esq. | Aug 30, 2012 | Debt Collection Lawsuits, Podcasts
When dealing with a debt collection lawsuit most people would love to be represented by a lawyer. The problem is that many times the amount you are being sued for is relatively small and/or the attorney you want to hire is simply outside of your budget. In this...
by John Skiba, Esq. | Aug 23, 2012 | Debt Collection Lawsuits, Podcasts
Unfortunately by the time I meet with many clients they already have a judgment against them by one of the debt buyers like Midland Funding. Wages are being garnished or bank accounts attacked. In this episode I answer two questions that were submitted by...
by John Skiba, Esq. | Aug 22, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
For many, the thought of living life without a credit card is terrifying. The credit card has replaced a savings account as the go-to resource when an unexpected expense comes up or for those that simply aren’t making ends meet. Because of this, when I...
by John Skiba, Esq. | Aug 20, 2012 | Chapter 7 Bankruptcy
Bankruptcy is a powerful financial tool. Think about it…it can eliminate years of debts, interest, penalties, all within the few months that it takes to process the typical chapter 7 bankruptcy. The elimination of your debts comes through the Discharge Order...
by John Skiba, Esq. | Aug 16, 2012 | Chapter 7 Bankruptcy, Podcasts
In this latest episode I discuss the ethics of bankruptcy and whether it is moral or immoral for people to seek bankruptcy protection. I also provide tips on how to respond to Requests for Admission in debt collection lawsuits. Listen to the new episode by clicking...
by John Skiba, Esq. | Aug 15, 2012 | Podcasts
You are in debt. A lot of debt. You don’t know what to do, so you look into filing for bankruptcy. But you don’t want to file for bankruptcy. It hurts your credit, you think people will look down on you. And worse, you may even feel guilty about...
by John Skiba, Esq. | Aug 10, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
One of the biggest perks that comes with filing bankruptcy, if there are perks, is that from the moment you file your bankruptcy case your creditors can no longer contact you. This means the phone calls stop! And this continues throughout the entirety of your...
by John Skiba, Esq. | Aug 8, 2012 | Collection Law Suits
I have posted a new episode of the Consumer Warrior Podcast where I discuss what you can expect when your day in court finally arrives. You can subscribe to the podcast through iTunes, Zune, and Stitcher. You can access the new episode directly by clicking...
by John Skiba, Esq. | Aug 8, 2012 | Debt Collection Lawsuits, Podcasts
After all of the stress, worry, work, and preparation, it is finally here. D-Day. Trial. Your day in court. In this podcast episode I discuss what to expect on your day of trial against the debt buyer, what the procedures are, and what you can do to put yourself...
