by John Skiba, Esq. | Sep 18, 2012 | Chapter 7 Bankruptcy, Collection Law Suits
Bankruptcy. No one wants to file it. And because of that some people will delay the filing of their bankruptcy even though it could have disasterous consequences. There are, however, a few what I like to call “motivators” when it comes to filing a...
by John Skiba, Esq. | Sep 11, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
When I first meet with my bankruptcy clients almost all of them tell me that they have been thinking of filing bankruptcy for a very long time but have struggled to finally make the decision to pull the trigger. It is understandable. No one wants to file bankruptcy....
by John Skiba, Esq. | Aug 22, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
For many, the thought of living life without a credit card is terrifying. The credit card has replaced a savings account as the go-to resource when an unexpected expense comes up or for those that simply aren’t making ends meet. Because of this, when I...
by John Skiba, Esq. | Aug 20, 2012 | Chapter 7 Bankruptcy
Bankruptcy is a powerful financial tool. Think about it…it can eliminate years of debts, interest, penalties, all within the few months that it takes to process the typical chapter 7 bankruptcy. The elimination of your debts comes through the Discharge Order...
by John Skiba, Esq. | Aug 16, 2012 | Chapter 7 Bankruptcy, Podcasts
In this latest episode I discuss the ethics of bankruptcy and whether it is moral or immoral for people to seek bankruptcy protection. I also provide tips on how to respond to Requests for Admission in debt collection lawsuits. Listen to the new episode by clicking...
by John Skiba, Esq. | Aug 10, 2012 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
One of the biggest perks that comes with filing bankruptcy, if there are perks, is that from the moment you file your bankruptcy case your creditors can no longer contact you. This means the phone calls stop! And this continues throughout the entirety of your...
