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Consumer Warrior Podcast
8 minutes | Mar 30, 2018
#24: Should You Have a Credit Card in College?
Credit card companies market heavily to college students. Which is somewhat strange as most college kids don't have a regular source of income (if you don't count student loan debt). In this video, I share the advice I am giving my son as he heads off to college. Check out our forms, templates, and debt fighting tools at http://Legal.Coach
10 minutes | Mar 27, 2018
#23: The Zero-Based Budget - The Key to Getting out of Debt
Nationally about 30% of Americans keep a written budget each month. On the flip side, 76% of Americans live paycheck-to-paycheck. What I have found is that those who are in debt don't keep a budget, while those who do are able to get out of debt and build wealth. In this episode, I discuss what a Zero-Based Budget is, how it can help you get out of debt, and why it is an essential foundation to your personal finance plan. Check out our online tutorials, templates, forms, and other debt fighting tools at http://Legal.Coach
10 minutes | Mar 17, 2018
#22: Take Ownership of Your Debt Problem
Dealing with serious debt is stressful. In this episode, I share my thoughts on how you can take ownership of your current debt problem in such a way that you avoid future financial difficulties. Check out our online video tutorials, forms, templates, and debt fighting resources at http://Legal.Coach Interested in working with John? Schedule an appointment at http://DebtFree.Coach
13 minutes | Mar 8, 2018
#21: Is America Drowning in Credit Card Debt?
Recently WalletHub released it's most recent study on credit card debt in America - and it doesn't paint a pretty picture. In this episode, I discuss WalletHub's findings, including how much credit card debt the average American has, what type of debts they use their credit cards for, and ways you can avoid credit card debt and get debt free. Learn more about John and his Financial Coaching Practice by clicking HERE. Check out online tutorials, forms, templates, and other debt fighting resources by clicking HERE.
12 minutes | Mar 7, 2018
#20: Dave Ramsey's Debt Snowball v. Chapter 13 Bankruptcy
In this episode, we discuss the differences between Dave Ramsey's debt snowball approach to eliminating debt and a chapter 13 bankruptcy approach, and what may be the best option for your situation. Check out John Skiba's Financial Coaching page here --> http://DebtFree.Coach Check out our online tutorials, forms, templates, and other debt fighting resources ---> http://Legal.Coach
9 minutes | Mar 6, 2018
#19: The #1 Thing to Avoid Bankruptcy
No one wants to file for bankruptcy. But at times it is necessary. In this episode, I discuss the #1 thing I have seen in my time as a bankruptcy attorney that leads people to file and what you can do to avoid it. Learn more about more about our forms, templates, and online tutorials for getting out of debt by clicking here -----> http://Legal.Coach Learn more about John Skiba's financial coaching services by clicking here ------> http://DebtFree.Coach
8 minutes | Feb 28, 2018
#18: Is it Immoral to File Bankruptcy?
Many, if not most, struggle with the morality of bankruptcy. In this episode, I discuss my thoughts as both an experienced bankruptcy attorney and a certified Ramsey Solutions Financial Coach. Check out our forms, templates, and online tutorials ---> http://Legal.Coach
11 minutes | Feb 26, 2018
#17: How to Save a $1,000 Emergency Fund (Baby Step #1)
When your budget is tight the thought of setting aside a $1,000 emergency fund seems impossible. In this episode, I share with you some ways you can put your emergency fund together more quickly. Check out our online legal forms, templates, and online tutorials at http://Legal.Coach
18 minutes | Feb 23, 2018
#16: Financial Coaching or Bankruptcy?
Dealing with serious debt problems requires some serious thought no matter what path you take. Bankruptcy can take care of your debt but does it solve the underlying problem? Check out our online tutorials, templates, and forms at http://Legal.Coach In this episode, I discuss the "Pros" and "Cons" of Bankruptcy and Financial Coaching and how you can decide which option is best for your situation. About John Skiba: John is a Bankruptcy Attorney in the State of Arizona and a certified Ramsey Solutions Master Financial Coach. You can learn more about his practice at http://ConsumerWarrior.com
7 minutes | Feb 14, 2018
#15: Dave Ramsey's Debt Myths - Divorce & Debt
The typical divorce decree divides up the assets and the debts. Many people have a false sense of comfort in knowing that their ex-spouse was ordered to pay a particular debt. Check out our online tutorials, templates, and forms at http://Legal.Coach In this episode, I tackle debt myths related to divorce and why you may still owe more than you think.
8 minutes | Feb 9, 2018
#14: Dave Ramsey's Debt Myths - Should You Pull Money Out of Your House to Pay Credit Card Debt?
In this episode, I continue with series on the debt/money myths discussed by Dave Ramsey in his book The Total Money Makeover. Today we discuss whether it is a good idea to refinance your house or take out a Home Equity Line of Credit (HELOC) to consolidate your credit card debt. Check out our online tutorials, templates, and forms at http://Legal.Coach
8 minutes | Jan 31, 2018
#13: Dave Ramsey's Debt Myths - Do I Need a Credit Card to Rent a Car?
In Dave Ramsey's book The Total Money Makeover, he discuss various debt myths. In this mini-series of The Consumer Warrior Podcast, I discuss the myth surrounding using debit cards for renting cars, hotels, and buying items online. Get online forms, templates, and video tutorials to help you get out of debt. http://Legal.Coach
11 minutes | Jan 29, 2018
#12: Dave Ramsey's Debt Myths - Don't Lend Money to Family & Friends
Lending money or co-signing no loans for family and friends can seem like a charitable idea but the danger is real. Forms, Templates, and online debt fighting tutorials http://Legal.Coach In this episode I discuss Dave Ramsey's advice on lending money to family and relatives and share some of my thoughts on this "Debt Myth."
5 minutes | Jan 24, 2018
#11: Can I Keep My Car in Bankruptcy?
If you need to file for bankruptcy you have likely had the nightmares of your family being left broke and with all of your assets being seized. Check out our online tutorials, free downloads, forms, and templates to help you get out of debt! http://Legal.Coach One of the most common questions I get in my law practice is if you can keep your car when filing a chapter 7 bankruptcy. In this episode of the Consumer Warrior Podcast I share with you what happens to car loans in the bankruptcy process.
12 minutes | Jan 22, 2018
#10: Tips for Drafting the Answer in a Debt Collection Lawsuit
Did you know that over 90% of people who are sued by debt collectors don't even respond? This usually results in a default judgment which leads to wage garnishment, bank levy, and a host of other problems. Get forms, templates, and debt fighting tutorials here http://Legal.Coach Default judgments can be avoided by filing an Answer with the court. In this episode I provide you with three (3) tips to help you in responding to the debt collection lawsuit.
10 minutes | Jan 19, 2018
#9: How to Keep Your Cool with Debt Collectors
Debt collection calls are rarely described as cordial. But they don't have to be contentious, and in fact, if you lose your cool with a debt collector it could end up costing you. In this episode of the Consumer Warrior Podcast I provide you tips on how to avoid losing your temper and deal with debt collectors in a professional manner.
10 minutes | Jan 15, 2018
#8: The #1 Mistake People Make in Dealing with Debt
Solving serious debt problems is never easy. But time and time again I see consumer make this one huge mistake that make getting out of debt more difficult than it has to be. In this episode I share with you what this big mistake is and how you can avoid it in your quest to become debt free!
12 minutes | Jan 9, 2018
#7: How Much Do You Really Owe? (Step 1 to Becoming Debt Free)
When debt becomes overwhelming it is really easy to just check out. That's why it is not surprising that families facing serious debt problems often don't have an accurate idea of what they owe. In this episode we start with step #1 in the process of helping you eliminate your debt by walking you through the process of determining what you actually owe. In coming episodes we will discuss what you do with that information and how to put together a plan that will deal with your debt problem once and for all. Bonus: I also share with you 3 apps that help with budgeting, investing, and correcting your credit report!
13 minutes | Dec 20, 2017
#6: Using Your Year-End Bonus to Solve Your Debt Problem
Settling debt at the end of the year has two advantages - first, debt collectors are often more eager to get an account off their books before the end of the year and many debt collectors work on a commission and want that bonus. Second, many employers pay year-end bonuses that can be used to negotiate with creditors. In this episode I share with you some of the strategies when it comes to using your annual bonus to solve your debt problem.
8 minutes | Dec 18, 2017
#5: Christmas & Credit Card Debt
Self-Help legal forms, templates, and video tutorials at Legal.Coach. Christmas is a great time of year, but it can also be a time that really puts pressure on families to rack up debt on the credit cards. In this episode I discuss some of the legal consequences of using credit cards when you may be needing to file bankruptcy in the near future.
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