by John Skiba, Esq. | Jul 12, 2012 | Debt Collection Lawsuits, Debt Settlement, Fair Debt Collection, Podcasts
Debt hurts. It hurts your pocket book. It hurts your relationships. It hurts your mental well being. It hurts your confidence. The price you pay for your debt is not only that monthly minimum payment on your credit card or the giant mortgage payment; the true...
by John Skiba, Esq. | Jul 5, 2012 | Chapter 7 Bankruptcy, Debt Settlement
“I can’t believe it has come to this.” Often when I meet with people in the initial bankruptcy consultation they tell me that they are frustrated, embarrassed, and really in a state of disbelief that their debt situation has reached this point. If...
by John Skiba, Esq. | Jun 29, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
The news coverage on the U.S. Supreme Court’s decision on Obamacare had all the flare of the Superbowl. This decision will no doubt be hashed out both in public and private for sometime to come. And whether you are for Obamacare or not, most would likely say...
by John Skiba, Esq. | Jun 28, 2012 | Debt Collection Lawsuits
What you don’t know can destroy your debt collection lawsuit. Most often when you are sued by a debt buyer or some other creditor they will be represented by an attorney. Just as often people that get sued by a debt buyer will be representing themselves....
by John Skiba, Esq. | Jun 27, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
The amount of information you are required to disclose in a bankruptcy case is significant. In fact, the typical bankruptcy petition I file on behalf of clients is anywhere from 45 up to 60 pages long. The reason we kill so many trees with each bankruptcy filing is...
by John Skiba, Esq. | Jun 25, 2012 | Debt Settlement
If you have ever tried to settle a debt with a creditor you no doubt have experienced the frustration that comes with the realization that the process involves very little logic. It usually goes something like this: you owe a debt, you don’t have money to pay...
by John Skiba, Esq. | Jun 21, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
As a dad to six kids I want to provide for my family the best I can. Every parent does. However some of the things you do to help your kids out now can actually cause you problems if you end up needing to file for bankruptcy down the road. Two things that can cause...
by John Skiba, Esq. | Jun 19, 2012 | Debt Collection Lawsuits
I have six kids. When my kids were little they would close their eyes or put a blanket over their head and believe that so long as their eyes were closed or that blanket was over their head, no one could see them. Some people have a similar line of thinking when it...
by John Skiba, Esq. | Jun 18, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
When we think of bankruptcy we generally think of two things: eliminating debt and fear of losing our stuff. And while eliminating debt and trying to keep your stuff are important parts of the bankruptcy process, it is important to understand that much more needs to...
by John Skiba, Esq. | Jun 15, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
All debts are not created equal. Some debts obtain favored status through the law – debts like taxes or child support. But some debts are a priority based on who is owed the debt. For instance you may feel much more obligated to pay a family member you owe...
by John Skiba, Esq. | Jun 14, 2012 | Collection Law Suits, Debt Collection Lawsuits
** Update ** Check out the link at the bottom of the page to my new course on How to Draft your own Response to a Motion for Summary Judgment. *********************************************************************************** Nothing can blow your case out of the...
by John Skiba, Esq. | Jun 12, 2012 | Uncategorized
Finding good, solid, reliable information on the Internet is tough. There are thousands of websites, blogs, and videos out there, all claiming to be the authority on dealing with debt. The information you relay on in dealing with your debt problems can have lasting...
by John Skiba, Esq. | Jun 11, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Self-Help Legal Services
Written by guest Blogger Frank P. Pipitone. Mr. Pipitone is a Long Island Bankruptcy Lawyer. He is the managing attorney at Pipitone Law located in Garden City, New York. _____________________________________________________________ With the economy in...
by John Skiba, Esq. | Jun 8, 2012 | Chapter 7 Bankruptcy, Collection Law Suits, Debt Settlement, Wage Garnishment
Debt collectors and debt buyers file a lot of lawsuits. Tens of thousands annually here in Arizona alone. That is a lot of paper and a lot of lives that are being impacted. Each week I meet with numerous families who are in complete panic mode because they have...
by John Skiba, Esq. | Jun 7, 2012 | Debt Collection Lawsuits, Fair Debt Collection, Garnishment
Since the launch of this new website I get several emails each day from people who are being sued by Midland Funding, LLC and aren’t sure what to do. Every now and again I would like to take a few of these questions and answer them here on the blog. Again, my...
