by John Skiba, Esq. | Feb 19, 2014 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Podcasts
Over the years I have met with literally thousand of families who are going through one form of debt crisis or another. The pain is real that these people are going through. And most are incredibly embarrassed to even be meeting with me. Most go to great lengths to...
by John Skiba, Esq. | Feb 7, 2014 | Chapter 7 Bankruptcy, Student Loan Debt
You file bankruptcy to eliminate your debt. However the “fresh start” promise of bankruptcy is often not fully realized due to the fact that student loan debt is usually not eliminated in bankruptcy. Bankruptcy will allow you to get rid of the credit card...
by John Skiba, Esq. | Jan 30, 2014 | Bankruptcy, Chapter 7 Bankruptcy
When you carry a large debt load you find yourself caught between two worlds; the present where you are trying to pay your rent, car payments, utilities, medical insurance – and the past, where you are trying to pay for past expenses and past financial mistakes....
by John Skiba, Esq. | Jan 25, 2014 | Chapter 7 Bankruptcy, Garnishment
Let’s face it. No one wants to file for bankruptcy. Even though many times bankruptcy is the solution we need, we put it off until one day we get hit with a wage garnishment, a debt collection lawsuit, a bank levy, or even foreclosure. Once a creditor takes...
by John Skiba, Esq. | Jan 2, 2014 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement
Happy New Year! When this time of year rolls around I always tend look back on the prior year and ask myself if things are any different now than they were a year ago. Did I meet my goals? Have I improved my and my family’s situation? As with many of us I...
by John Skiba, Esq. | Dec 30, 2013 | Chapter 7 Bankruptcy, Collection Law Suits, Debt Collection Lawsuits
After the shock of getting sued by Midland Funding has worn off a bit you naturally start thinking of how you are going to deal with this sudden intrusion into your life. Really there are only three options: you can fight the case and make Midland Funding prove their...
