John N Skiba’s Guides

John N Skiba

Mesa Chapter 7 Bankruptcy Attorney.

Contributor Level 14
  1. Knowing When to Say When...

    Written by attorney John Skiba, about 2 years ago.

    We sat there in my office, large stack of bills on one side of the table and a half dozen judgments on the other side. The credit card bills had not been paid in some time and the judgments were a few months old. After some preliminary discussion on the debts and bankruptcy proce...

    1 person found this Legal Guide helpful

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

    Written by attorney John Skiba, about 2 years ago.

    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...

  3. The Bankruptcy Process for those With Physical Disabilities

    Written by attorney John Skiba, about 2 years ago.

    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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  4. I is for Income: Qualifying for Chapter 7 Bankruptcy in Arizona

    Written by attorney John Skiba, about 2 years ago.

    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, ...

    1 person found this Legal Guide helpful

  5. Watch Your Step...Answering Collection Lawsuits

    Written by attorney John Skiba, about 2 years ago.

    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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  6. How to Avoid Bankruptcy By Fighting Back

    Written by attorney John Skiba, about 2 years ago.

    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...

    1 person found this Legal Guide helpful

  7. The 75 Cent Promissory Note

    Written by attorney John Skiba, about 2 years ago.

    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. ...

    1 person found this Legal Guide helpful

  8. No Pain No Gain: Striving for Exactness in Your Bankruptcy Documents

    Written by attorney John Skiba, about 2 years ago.

    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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  9. The Secret to a Successful Initial Bankruptcy Consultation

    Written by attorney John Skiba, about 2 years ago.

    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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  10. Budgeting in Chapter 13 Bankruptcy

    Written by attorney John Skiba, about 2 years ago.

    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...

    1 person found this Legal Guide helpful