by John Skiba, Esq. | Mar 26, 2015 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Newsletter, Podcasts
In the world of bankruptcy lawyers Dave Ramsey is somewhat of a controversial figure. If you don’t know who Dave Ramsey is, he is an author and national radio talk show host who helps people get out of debt through his The Total Money Makeover: Classic Edition:...
by John Skiba, Esq. | Mar 19, 2015 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Newsletter, Podcasts
So much of the stress associated with serious debt problems comes from the uncertainty of the whole process. Often creditors will not take any action for months and even years. This can even lull you into a false sense of security that you are finally through the...
by John Skiba, Esq. | Mar 17, 2015 | Chapter 7 Bankruptcy, Collection Law Suits, Debt Collection Lawsuits, FDCPA Claims, Newsletter, Podcasts
Almost without exception when I post an article dealing with debt collection or bankruptcy on the Facebook Page for the Consumer Warrior Project someone will leave a comment like “pay your bills, then you won’t have any problems!” or “life...
by John Skiba, Esq. | Mar 10, 2015 | Bankruptcy, Chapter 7 Bankruptcy, Newsletter, Podcasts
At times it can be difficult for people to even say the word “bankruptcy” let alone take a rational approach in determining whether or not it is a good option for their debt situation. If anything families wait far too long before making the decision to...
by John Skiba, Esq. | Mar 2, 2015 | Bankruptcy, Chapter 7 Bankruptcy, Debt Settlement, Newsletter
It is the time of year when people are gearing up to get their taxes filed. Many will get a nice tax refund check and while what I am about to propose may be some of the least fun things you can do with a tax refund check, you might be surprised that you can wipe out...
by John Skiba, Esq. | Dec 26, 2014 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy, Newsletter
The reality of it is, as much as we try to avoid it, there is a lot of pressure during the Christmas season, particularly on parents, to buy their kids their Christmas wishes – even if it means charging up the credit card more than was planned. This could mean...
