Thanks to everyone here for your help. Heres my newest issue.
Please see screenshot
The hand has a rigid bind which works well for everywhere but the thumb. If I bend the thumb down, I get this skin that goes all over the place. I have tried the jointcluster and lattice (and even sculpt) flexors. I have tried editing the membership of the joints points by removing and adding points and no matter what I do, I get similar results when I bend the joint.
Any suggestions are welcome.