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John Skiba’s Legal Guides

230 total


  • Bankruptcy - The Deal of a Lifetime

    Bankruptcy The Deal of a Lifetime Written byJohn Skiba, Esq. inChapter 13 Bankruptcy,Chapter 7 Bankruptcy Bankruptcy. The word itself has a negative vibe. And with good reason. By the time people actually gather up the courage to call my office and set up a bankruptcy consult...

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  • How to Overcome the Fear Associated with Debt

    How to Overcome the Fear Associated with Debt inShare ByJohn SkibaLeave a Comment(Edit) You can admit it. If you have recently been sued or are enduringnon-stop collection callsyou are probably nervous or outright terrified about what the future holds. Vision...

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  • What it Really Means When a Debt is Charged Off

    15 May 2012 What it Really Means When a Debt is Charged Off inShare ByJohn SkibaLeave a Comment Many people willobtain a copy of their credit reportand feel a sense of relief when they see that a certain debts have been charged off. This sense of relief c...

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  • Chapter 7 Bankruptcy in 7 Steps: Passing Time and the Financial Management Course

    Chapter 7 Bankruptcy in 7 Steps: Passing Time and Your Financial Management Course Written byJohn Skiba, Esq. inChapter 7 Bankruptcy You made it through the Meeting of Creditors and are all geared up and ready to go! You had your day in court and are ready totack onwhatever co...

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  • Don't Be a Chicken- Deal with Your Debt!

    When I am not working as abankruptcy attorneyor fighting debt buyers likeMidland Fundingin court a lot of my time is spent working on my hobby farm. Right now we have about 20 chickens and a few cattle. Chickens for themost part are mindless birds who do things like eat thei...

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  • How to Draft an Answer to a Debt Collection Lawsuit in 3 Steps

    Once the initial shock and panic of being sued by adebt buyerwears off you probably have thought to yourself, "now what in the world do I do!?" Well, as I have mentioned in prior articles,you must act. Doing nothing will result inwage garnishmentand all kinds of additional financ...

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  • Chapter 7 Bankruptcy in 7 Steps: Filing Day, the Meeting of Creditors, and Everything in Between

    Chapter 7 Bankruptcy in 7 Steps: Filing Day, The Meeting of Creditors, and Everything in Between Written byJohn Skiba, Esq. inChapter 7 Bankruptcy After all the buildup to the day of your bankruptcy filing, once the case is filed there is what seems to be a strange lull in the...

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  • Debt Collectors Unhinged

    Last Fridaymy articleon a recent victory against debt buyerMidland Funding, LLCwas picked up by theCollection Industry News(CIN), a website that provides news and headlines for those who work in the debt collection industry. While the debt collectors of America are not my target ...

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  • Chapter 7 Bankruptcy in 7 Steps: Credit Counseling & Filing Day

    Chapter 7 Bankruptcy in 7 Steps: Credit Counseling Filing Day Written byJohn Skiba, Esq. inChapter 7 Bankruptcy One might think the real work begins once yourbankruptcyis actually filed with the bankruptcy court. However, I take the approach that if we are thorough and comple...

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  • Debt Collector Harasses Patients in Hosptial

    There you are, in the hospital, you come out of surgery hoping to see your loving family there to support you, but instead a debt collector is there asking you when you are going to pay your bill! It sounds stupid but that apparently is a new tactic being used by medical debt col...

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