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John N Skiba
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John Skiba’s Legal Guides

230 total


  • West Virginia Sues Midland Funding While Arizona Goes in the Wrong Direction

    A few days ago the attorney general for West Virginia filed suit against Midland Funding, LLC, one of the largest debt buyers in the country. In the complaint against Midland Funding the attorney general claimed the Midland was filing lawsuits against consumers with false and unr...

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  • The Bankruptcy Process for those With Physical Disabilities

    This may seem like a random topic to write on but lately it has come up a few times. As I have mentioned in many other articles, after you file for bankruptcy you are required to attend a Meeting of Creditors with your attorney and bankruptcy trustee. While this meeting is gene...

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  • I is for Income: Qualifying for Chapter 7 Bankruptcy in Arizona

    One of the first questions I get when I meet with people is if they will qualify for a chapter 7 bankruptcy. If you have been researching bankruptcy you have likely learned that in order to file for chapter 7 bankruptcy you have to meet certain income requirements. Specifically, ...

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  • Watch Your Step...Answering Collection Lawsuits

    I meet with clients on a regular basis that have been sued by a debt buying company on an old credit card debt. If you have had the misfortune of being sued, you know that the process server provides you with a copy of the Complaint and Summons. In Arizona, you have 20 days fro...

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  • How to Avoid Bankruptcy By Fighting Back

    A lot of what I do each day here in the Phoenix valley is help families file for bankruptcy. As part of that process I go through my clients bills and pull their credit in effort to get as many of their debts as possible. In doing so I often see judgments that have been entered...

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  • The 75 Cent Promissory Note

    The other day I was scheduled to attend a continuing education conference with some of the local Arizona bankruptcy trustees. I thought I had given myself plenty of time. I arrived at the parking garage, walked inside, and immediately realized that I was in the wrong building. ...

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  • No Pain No Gain: Striving for Exactness in Your Bankruptcy Documents

    I recently attended a continuing education course that was presented by a group of Arizona bankruptcy attorneys that I am apart of. The presentation was given by three Phoenix bankruptcy trustees. In every bankruptcy case that is filed there a bankruptcy trustee assigned to revie...

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  • The Secret to a Successful Initial Bankruptcy Consultation

    You made the call. I realize that by the time my clients actually call me to set up a bankruptcy consultation there has been a lot of internal (and external) debate. Now that you have taken the all important first step of setting up the bankruptcy consultation I thought I would s...

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  • Budgeting in Chapter 13 Bankruptcy

    In a chapter 13 bankruptcy you will be required to pay your disposable income to your creditors over the life of your bankruptcy case. Chapter 13 bankruptcy cases typically are a minimum of three years and a maximum of five years long. In calculating your disposable income we lo...

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  • Don't Delay Your Bankruptcy Filing

    I usually try and come up with some clever title for my articles (rarely do I succeed), but with this article I just want to relay pure information. If you need to file bankruptcy, do it now, dont wait. Delay will only cause you further grief. Yesterday I met with a handful of fa...

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