by John Skiba, Esq. | Mar 27, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
I deal with bankruptcy issues all day long. I think about bankruptcy. I read about bankruptcy. I file bankruptcies. And because of this sometimes I am afraid that I may lose sight of the fact that my clients simply don’t. My goal as a lawyer is to provide...
by John Skiba, Esq. | Mar 20, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Yesterday I received a telephone call from a person who was looking into filing bankruptcy. She made it very clear from the get-go that price was the main concern when it came to choosing someone to help her with the bankruptcy filing. I understand that. If you are...
by John Skiba, Esq. | Mar 19, 2012 | Chapter 7 Bankruptcy, Collection Law Suits, Debt Settlement
We sat there in my office, large stack of bills on one side of the table and a half dozen judgments on the other side. The credit card bills had not been paid in some time and the judgments were a few months old. After some preliminary discussion on the debts and...
by John Skiba, Esq. | Mar 14, 2012 | Collection Law Suits, Debt Settlement
A few days ago the attorney general for West Virginia filed suit against Midland Funding, LLC, one of the largest debt buyers in the country. In the complaint against Midland Funding the attorney general claimed the Midland was filing lawsuits against consumers with...
by John Skiba, Esq. | Mar 8, 2012 | Chapter 7 Bankruptcy
This may seem like a random topic to write on but lately it has come up a few times. As I have mentioned in many other articles, after you file for bankruptcy you are required to attend a Meeting of Creditors with your attorney and bankruptcy trustee. While this...
by John Skiba, Esq. | Mar 6, 2012 | Bankruptcy A to Z, Chapter 7 Bankruptcy
One of the first questions I get when I meet with people is if they will qualify for a chapter 7 bankruptcy. If you have been researching bankruptcy you have likely learned that in order to file for chapter 7 bankruptcy you have to meet certain income requirements. ...
by John Skiba, Esq. | Mar 1, 2012 | Collection Law Suits, Debt Settlement
I meet with clients on a regular basis that have been sued by a debt buying company on an old credit card debt. If you have had the misfortune of being sued, you know that the process server provides you with a copy of the Complaint and Summons. In Arizona, you have...
by John Skiba, Esq. | Feb 29, 2012 | Bankruptcy A to Z, Chapter 7 Bankruptcy
Losing your home is one of the great fears for those going through bankruptcy. At least it used to be. Before the Great Recession hit home prices in Arizona were skyrocketing. Do you remember lining up on Saturday mornings in hopes of getting a ticket so that you...
by John Skiba, Esq. | Feb 24, 2012 | Collection Law Suits, Debt Settlement
A lot of what I do each day here in the Phoenix valley is help families file for bankruptcy. As part of that process I go through my client’s bills and pull their credit in effort to get as many of their debts as possible. In doing so I often see judgments...
by John Skiba, Esq. | Feb 22, 2012 | Collection Law Suits, Debt Settlement
The other day I was scheduled to attend a continuing education conference with some of the local Arizona bankruptcy trustees. I thought I had given myself plenty of time. I arrived at the parking garage, walked inside, and immediately realized that I was in the...
by John Skiba, Esq. | Feb 19, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
I recently attended a continuing education course that was presented by a group of Arizona bankruptcy attorneys that I am apart of. The presentation was given by three Phoenix bankruptcy trustees. In every bankruptcy case that is filed there a bankruptcy trustee...
by John Skiba, Esq. | Feb 16, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
You made “the call”. I realize that by the time my clients actually call me to set up a bankruptcy consultation there has been a lot of internal (and external) debate. Now that you have taken the all important first step of setting up the bankruptcy...
by John Skiba, Esq. | Feb 13, 2012 | Chapter 13 Bankruptcy
In a chapter 13 bankruptcy you will be required to pay your disposable income to your creditors over the life of your bankruptcy case. Chapter 13 bankruptcy cases typically are a minimum of three years and a maximum of five years long. In calculating your disposable...
by John Skiba, Esq. | Feb 7, 2012 | Chapter 7 Bankruptcy
I usually try and come up with some clever title for my articles (rarely do I succeed), but with this article I just want to relay pure information. If you need to file bankruptcy, do it now, don’t wait. Delay will only cause you further grief. Yesterday I met...
by John Skiba, Esq. | Feb 2, 2012 | Collection Law Suits
In January the State Senate in California passed legislation aimed at debt buyers like Midland Funding, LVNV Funding, and Portfolio Recovery who sue people over debts without adequate documentation to prove that they own the debt or that they are even suing the right...
