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John N Skiba
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John Skiba’s Legal Guides

230 total


  • Arizona Lags Behind in Protections Against Debt Buyers

    In January the State Senate in California passed legislation aimed at debt buyers like Midland Funding, LVNV Funding, and Portfolio Recovery who sue people over debts without adequate documentation to prove that they own the debt or that they are even suing the right person. This...

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  • Can I Sell My Stuff Before Filing for Bankruptcy?

    One of the drawbacks to filing chapter 7 bankruptcy is that you may lose some of your stuff. Chapter 7 bankruptcy is a liquidating bankruptcy meaning if you have assets that you own free and clear of any liens and that are not protected under one of Arizonas exemption laws, then...

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  • Don't Be a Pushover: Responding to a Motion to Dismiss

    In previous articles I have gone over the litigation strategy of debt buying companies like Midland Funding, LVNV, LLC, and Portfolio Recovery. Despite the fact that they have filed a lawsuit against you, they really dont want to fight you. Their hope is that you will do nothing ...

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  • How to Get Along with Your Arizona Bankruptcy Trustee

    When you file for bankruptcy here in Arizona your case will be assigned to a bankruptcy trustee. This person works under the Department of Justice and in a chapter 7 bankruptcy, their job is to review your bankruptcy documents, determine if there are any assets that can be sold, ...

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  • Billy Graham Encourages Seeking God's Guidance Before Filing for Bankruptcy

    Should you seek out Gods guidance before filing for bankruptcy? Rev. Billy Graham says yes in a recent article when the question of the morality of bankruptcy was posed to him. After I have explained the nuts and bolts of the bankruptcy process to people I often get asked whether...

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  • It Will Be Our Little Secret...(wink, wink)

    Because you told me about it. That is my typical response when I have someone tell me about an asset they have and then ask me how will the bankruptcy court ever know that I have this asset?. During my bankruptcy consultations I always discuss with clients the fact that a chapter...

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  • Show Me the Money! Sports Agent Leigh Steinberg Files for Chapter 7 Bankruptcy

    Earlier this week ESPN reported that NFL sports agent Leigh Steinberg filed for chapter 7 bankruptcy. Mr. Steinberg was the inspiration behind the movie Jerry McGuire and represented many high profile athletes including Steve Young, Troy Aikman, and Ben Roethlisberger. There are ...

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  • G is for Garnishment

    Garnishments are a pain. Maybe the only thing that pushes people into bankruptcy more quickly than garnishment is a foreclosure. In Arizona, a creditor can garnish up to 25% of each pay check. If you are living payday to payday this can completely devastate your finances. Before...

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  • Fear the Reaper: Don't Ignore Your Lawsuit

    I see it all the time. You get served with a lawsuit by one of the big debt buyers, Midland Funding, Portfolio Recovery, or LVNV Funding. You have no idea who Midland Funding even is, so you brush it off. Maybe they have the wrong guy. So you do nothing. Then, things are going we...

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  • Please, Not the Twinkies! Golden Sponge Cake and Multiple Bankruptcy Filings

    Hostess, the company that makes the Twinkie, is preparing to file for chapter 11 bankruptcy for the second time in the last seven years. The purpose of a chapter 11 bankruptcy filing is to allow a company to restructure and emerge from bankruptcy leaner, healthier company, a pro...

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