by John Skiba, Esq. | Nov 1, 2012 | Chapter 7 Bankruptcy, Collection Law Suits, Wage Garnishment
The financial situations that lead up to bankruptcy are usually pretty stressful. Collection calls, law suits, wage garnishments, all bring uncertainty and strain most people to the breaking point. The bankruptcy process doesn’t have to follow this same path....
by John Skiba, Esq. | Oct 16, 2012 | Chapter 7 Bankruptcy
Chapter 7 bankruptcy has many advantages. It can wipe out all of your credit card debt, medical bills, and most unsecured debts. However, it has a couple of downsides – one of which is that you must qualify for a chapter 7 bankruptcy. How it works is we are...
by John Skiba, Esq. | Oct 10, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Last Sunday I listened to a sermon on hope and faith and how what it all really boils down to is our hope for something better or a continuation of the good relationships we now have. And while I am not comparing the Gospel to bankruptcy law I of course tend to draw...
by John Skiba, Esq. | Oct 2, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
When times are tough it is natural that we turn to those closest to us when we need help. Society as a whole is seeing large numbers of ‘boomerang’ kids – adult children who move back home after college or when dealing with a financial crisis. Most...
by John Skiba, Esq. | Sep 26, 2012 | Chapter 7 Bankruptcy
If you have ever had to deal with having your credit card information stolen or been a victim of identity theft you know how difficult it can be to undo the damage. Proving that you didn’t do something is very difficult. The creditor and even the courts often...
by John Skiba, Esq. | Sep 20, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Often people will delay their bankruptcy filing. They aren’t sure if they should file, they don’t want to file, they don’t know how to file, or don’t have the money to hire an attorney to file. Delay in the debt collection world usually means...