by John Skiba, Esq. | Mar 11, 2015 | Garnishment, Newsletter, Podcasts, Wage Garnishment
One of the most misunderstood aspects of the debt collection process is knowing when a creditor can garnish your wages. Most families in the United States live paycheck to paycheck – meaning that an interruption in pay via a wage garnishment can create total...
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 5, 2015 | Collection Law Suits, Debt Collection Lawsuits, Newsletter, Podcasts, Self-Help Legal Services
T.M.I. – Too Much Information. People often put way too much unnecessary, and potentially harmful, information in their Answers. This is one of the biggest mistakes I see consumers make when they decide to draft their own Answer to a Debt Collection lawsuit....
by John Skiba, Esq. | Mar 3, 2015 | Podcasts
Did you know that over 95% of debt collection lawsuits end in a default judgment? Default judgments can wreck all kinds of havoc. Once a creditor is armed with a default judgment the creditor can do things like garnish wages, levy bank accounts, and even lien...
by John Skiba, Esq. | Feb 26, 2015 | Fair Debt Collection, FDCPA Claims, Newsletter, Podcasts
The job of a debt collector is to make you give them money. Debt collectors understand that if they can make you uncomfortable enough, whether it be through fear, embarrassment, or simply annoy unceasingly, that you will be more likely to cough up the dough. With...
by John Skiba, Esq. | Feb 24, 2015 | Newsletter, Podcasts
This may sound a little hippy-dippy of me, but in this episode I discuss the necessary mindset to finally deal with your overwhelming debt problems. Many people who are facing serious debt issues like foreclosure, debt collection lawsuits, and bankruptcy have been...
