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Don’t Ignore Your Midland Funding Lawsuit (No…Seriously…Don’t Ignore It)

by John Skiba, Esq. | Nov 6, 2013 | Uncategorized

I don’t know how much more I can take.  Day in and day out I meet with people that have been sued by Midland Funding, Equable Ascent, LVNV, LLC, Portfolio Recovery – and a long list of the other debt buyers.  And many – too many – of the people...

How to Stop Wage Garnishment Before Your Next Payday

by John Skiba, Esq. | Sep 24, 2013 | Chapter 7 Bankruptcy, Uncategorized, Wage Garnishment

Wage garnishment is never a good thing.  But garnishments seem to always hit at the worst possible time.  Your thoughts race – “how am I going to pay my bills? How am I going to buy groceries?”  In Arizona creditors can garnish a full 25% of each...

Surprise! Where did this Judgment Come From?

by John Skiba, Esq. | May 7, 2013 | Collection Law Suits, Debt Collection Lawsuits, Uncategorized

Probably half a dozen times per week I meet with someone who has been notified that their next check is going to be a quite a bit lighter – wage garnishment.  If you are living paycheck to paycheck finding out your wages are going to be garnished is terrifying....

Step Four in Your Bankruptcy – Your Time on Stage

by John Skiba, Esq. | Jan 29, 2013 | Uncategorized

After your bankruptcy case is filed, if everything has been done right, the rest of your chapter 7 bankruptcy should be smooth sailing.  You must remember – millions have gone through this process before you.  The bankruptcy court has developed a streamlined...

Clean Up Your Credit – Interview with Debbie Oliver of I Clean Ugly Credit

by John Skiba, Esq. | Nov 19, 2012 | Uncategorized

Credit scores.  They rule our world but so little is known about how they are calculated and how we can make them better.  In my law practice I have been looking for someone I can refer clients to who can help them as they try to increase their credit score and deal...

Debtors’ Prisons Make a Come Back…Sorta

by John Skiba, Esq. | Jul 23, 2012 | Uncategorized

“Can I go to jail for not paying my debts?”  I get this question all the time.  And my answer has always been “no”.  There are a lot of other terrible things than can happen but jail is typically not one of them…until now.  I came across...
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