by John Skiba, Esq. | Jun 4, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
is kind of like life insurance policy. You don’t think about it very often, but if it becomes necessary, you are sooo glad that it is there. Similarly, it can bring some comfort to know that bankruptcy laws allow an escape if things go bad. This is...
by John Skiba, Esq. | Jun 1, 2012 | Debt Collection Lawsuits, Debt Settlement
Bankruptcy. The Great Equalizer. When I meet with clients that are dealing with a debt buyer lawsuit one of the first questions I ask them is if I am able to help them eliminate this one lawsuit, are there five more lurking out there ready to take its place? As...
by John Skiba, Esq. | May 29, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Bankruptcy. The word itself has a negative vibe. And with good reason. By the time people actually gather up the courage to call my office and set up a bankruptcy consultation there has been a lot of stress, pain, and sleepless nights. Many consider their...
by John Skiba, Esq. | May 29, 2012 | Debt Collection Lawsuits, Debt Settlement, Garnishment
If you are like many (actually most) of the people who get sued by a debt buyer you likely didn’t respond to the lawsuit and now are faced with the unpleasant reality that a default judgment has been entered against you. In fact, statistics show that more than...
by John Skiba, Esq. | May 23, 2012 | Debt Collection Lawsuits, Debt Settlement, Fair Debt Collection
I know that it is impossible to answer this question. There are thousands of judges in various courts around the nation, not all of them deal with consumer debt issues, and generally the specific facts of a case will guide the outcome. However, lately I have had a...
by John Skiba, Esq. | May 22, 2012 | Chapter 7 Bankruptcy
The day you receive your bankruptcy discharge is similar to those Christmas mornings back when you were a kid. You wait and wait for the day to arrive, and then, finally it arrives. Your discharge is entered. All those days, months, and even years of enduring...
by John Skiba, Esq. | May 16, 2012 | Debt Collection Lawsuits, Debt Settlement, Fair Debt Collection, Garnishment, Podcasts
You can admit it. If you have recently been sued or are enduring non-stop collection calls you are probably nervous or outright terrified about what the future holds. Visions of wage garnishments, lawsuits, and losing everything you own are probably keeping you up...
by John Skiba, Esq. | May 15, 2012 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement, Uncategorized
Many people will obtain a copy of their credit report and feel a sense of relief when they see that a certain debts have been charged off. This sense of relief comes from their understanding that once a creditor decides to charge off a debt that they can no longer...
by John Skiba, Esq. | May 14, 2012 | Chapter 7 Bankruptcy
You made it through the Meeting of Creditors and are all geared up and ready to go! You had your day in court and are ready to tack on whatever comes next. If your case is like the typical chapter 7 bankruptcy at this point there is a whole lot of nothing going on...
by John Skiba, Esq. | May 11, 2012 | Debt Collection Lawsuits, Debt Settlement, Fair Debt Collection
When I am not working as a bankruptcy attorney or fighting debt buyers like Midland Funding in court a lot of my time is spent working on my hobby farm. Right now we have about 20 chickens and a few cattle. Chickens for the most part are mindless birds who do things...
by John Skiba, Esq. | May 10, 2012 | Debt Collection Lawsuits, Debt Settlement, Fair Debt Collection, Podcasts
**Check Out the Updated Information at the End of this Article on “How to Draft Your Own Answer to a Debt Buyer Lawsuit” ** Once the initial shock and panic of being sued by a debt buyer wears off you probably have thought to yourself, “now what in...
by John Skiba, Esq. | May 9, 2012 | Chapter 7 Bankruptcy
After all the buildup to the day of your bankruptcy filing, once the case is filed there is what seems to be a strange lull in the action. The reason for this is because now that your work of gathering documents, completing the credit counseling course, and signing...
by John Skiba, Esq. | May 8, 2012 | Debt Collection Lawsuits, Fair Debt Collection
Last Friday my article on a recent victory against debt buyer Midland Funding, LLC was picked up by the Collection Industry News (“CIN”), a website that provides news and headlines for those who work in the debt collection industry. While the debt...
by John Skiba, Esq. | May 4, 2012 | Collection Law Suits, Self-Help Legal Services
Recently I have launched a new website that while not technically a legal website I believe it compliments my law firm website. The website is Consumer Warrior and was created with the goal of providing information to people who are dealing with difficult and often...
by John Skiba, Esq. | May 4, 2012 | Debt Collection Lawsuits
Not a day goes by that I don’t get several calls or emails from people that have been sued by Midland Funding, one of the largest debt buyers in the nation. Most find me through past particles I have written on the subject of debt collection lawsuits –...
