by John Skiba, Esq. | Oct 17, 2011 | Chapter 7 Bankruptcy
During my bankruptcy consultations I meet with several families every week that are struggling through financial problems. In almost every situation the main problem is large amounts of credit card debt. As this recession drags on people are having wages cut or...
by John Skiba, Esq. | Oct 13, 2011 | Chapter 7 Bankruptcy
This is the first of a series of videos I will be going on the Chapter 7 bankruptcy process and issues that can arise in a Chapter 7 bankruptcy case. I offer free consultations on all Chapter 7 bankruptcy matters and would be happy to meet with you to discuss yours. I...
by John Skiba, Esq. | Oct 11, 2011 | Chapter 7 Bankruptcy, Debt Settlement
Recently in Readers Digest online they posted an article on 13 Things a Debt Collector Won’t Tell You. The article discusses various techniques and approaches that debt collectors use to try and get money from you. Number one on the list was that debt...
by John Skiba, Esq. | Oct 6, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
I meet with a lot of people who believe that bankruptcy is going to be their best option. And truthfully, for most of the people I meet with bankruptcy is not only the best option but something they should have done a long time ago. However, when I meet with...
by John Skiba, Esq. | Oct 4, 2011 | Chapter 7 Bankruptcy, Foreclosure
The other day in the Wall Street Journal there was an article about home owners who have lost their homes through foreclosure only to then be sued by the bank for the balance owed. During my bankruptcy consultations I often hear of families that have lost their home...
by John Skiba, Esq. | Oct 3, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
How many times in the last year have you received a notice that your power may be cut off because your are behind on the monthly bill? Or wondered how you were going to get to work or the kids to school because you didn’t have enough gas money? How many nights...
by John Skiba, Esq. | Sep 27, 2011 | Chapter 7 Bankruptcy, Debt Settlement
It really goes without saying that if you are thinking of filing for bankruptcy money in your household is tight. You may be struggling to come up with gas money to get to work or buy groceries let alone coming up with a big sum of money to pay a bankruptcy...
by John Skiba, Esq. | Sep 20, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Foreclosure
In Sunday’s newspaper they reported that nationwide there is expected to be an increase in the number of foreclosures. This not only impacts those families who are losing their homes but results in a continued downward trend in home values here in Arizona. If...
by John Skiba, Esq. | Sep 14, 2011 | Chapter 7 Bankruptcy
When I meet with people in bankruptcy consultations one of the big questions on everyone’s mind is what assets will they lose while going through the bankruptcy process? This fear of losing assets leads some to think about not disclosing all of their assets to...
by John Skiba, Esq. | Sep 13, 2011 | Self-Help Legal Services
If you have ever been involved in a lawsuit before and hired an attorney you are fully aware of how quickly attorney’s fees can add up. Litigation is not a cheap way to solve problems. I was talking to an attorney friend of mine the other day was telling me...
by John Skiba, Esq. | Sep 8, 2011 | Uncategorized
The answer is no. You are not going to go to jail because you can’t pay your debts. In ages past if you couldn’t pay your debts you would be put in debtor’s prison, however the U.S. government abolished debtor’s prisons in 1833. Some...
by John Skiba, Esq. | Sep 7, 2011 | Chapter 7 Bankruptcy, Wage Garnishment
I have been meeting with a lot of people lately that have received a notice of a wage garnishment from their employer. Wage garnishments are terrible. You are embarrassed because your boss/HR Department now knows that you are going through financial difficulties,...
by John Skiba, Esq. | Sep 6, 2011 | Chapter 7 Bankruptcy, Debt Settlement
When I meet with clients to discuss their possible bankruptcy filing I go over all the different options that are out there. I will always give my opinion as to what will best serve their situation. Naturally most people are hesitant to jump into a bankruptcy case,...
by John Skiba, Esq. | Aug 31, 2011 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Often clients tell me that it took a long time for them to finally make an appointment to see me about their bankruptcy. No one wants to file for bankruptcy, but sometimes it becomes necessary. The problem I often see is that people will wait too long to file their...
by John Skiba, Esq. | Aug 30, 2011 | Collection Law Suits, Debt Settlement, Self-Help Legal Services
If you are being sued by Midland Funding, LLC here in Arizona you are not alone. Recently I have seen an increase in the number of clients coming in with lawsuits by Midland Funding and other debt buyers. What is a debt buyer? These are companies that have...
