John Skiba – Skiba Law Group, PLC

I know that it is impossible to answer this question. There are thousands of judges in various courts around the nation, not all of them deal with consumer debt issues, and generally the specific facts of a case will guide the…more

The day you receive your bankruptcy discharge is similar to those Christmas mornings back when you were a kid. You wait and wait for the day to arrive, and then, finally it arrives. Your discharge is entered. All those days,…more

You can admit it. If you have recently been sued or are enduring non-stop collection calls you are probably nervous or outright terrified about what the future holds. Visions of wage garnishments, lawsuits, and losing…more

Many people will obtain a copy of their credit report and feel a sense of relief when they see that a certain debts have been charged off. This sense of relief comes from their understanding that once a creditor decides to…more

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 to tack on whatever comes next. If your case is like the typical chapter 7 bankruptcy at this point…more

When I am not working as a bankruptcy attorney or fighting debt buyers like Midland Funding in 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 the…more

In this article I provide a step-by-step guide on how to draft an Answer to a debt collection lawsuit. It is suited for those people who are representing themselves…more

Last Friday my article on a recent victory against debt buyer Midland Funding, LLC was picked up by the Collection Industry News (“CIN”), a website that provides news and headlines for those who work in the debt collection…more

Chapter 7 Bankruptcy in 7 Steps: Filing Day, The Meeting of Creditors, and Everything in Between Written by John Skiba, Esq. in Chapter 7 Bankruptcy After all the buildup to the day of your bankruptcy filing, once the case is…more

Midland Funding’s Case Dismissed, Attorney’s Fees Awarded By John Skiba Leave a Comment (Edit) Not a day goes by that I don’t get several calls or emails from people that have been sued by Midland Funding, one of…more

Chapter 7 Bankruptcy in 7 Steps: Credit Counseling & Filing Day Written by John Skiba, Esq. in Chapter 7 Bankruptcy One might think the real work begins once your bankruptcy is actually filed with the bankruptcy court. …more

Chapter 7 Bankruptcy in 7 Steps: Gather, Review, and Sign Written by John Skiba, Esq. in Chapter 7 Bankruptcy For most the first step is the hardest – making the decision to look into bankruptcy and actually making an…more

Can a Credit Card Company Garnish Your Wages? By John Skiba, Esq. www.consumerwarrior.com Wage garnishment. How it happens and what you can do to avoid it is one of the most common misunderstandings I run into when I meet…more

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…more

The Rise of the Debt Buyers By John Skiba Leave a Comment (Edit) In tens of thousands of homes throughout the United States evenings are being interrupted by a knock at the door by the local process server. After…more