Debt Problems Stressing You Out?

It’s Time to Take Back Control.

Collection Lawsuit? Wage Garnishment? Bankruptcy?

Check Out Our Self-Help Forms, Templates, and Online Courses!

Learn How to draft an Answer in a Debt Collection Lawsuit
(including template/form)

Debt Collection Lawsuit Flow Chart

Learn How to Draft a Response to a Motion for Summary Judgment
(including form/template)

How to Prepare & Defend Yourself at a Debt Collection Trial

Learn How to Vacate a Default Judgment
(including form/template)

Proven Strategies for Settling Debt Without Filing for Bankruptcy

Bankruptcy Attorney in Mesa

How Can I Help?

Junk Debt Buyer Lawsuit

Have you been sued by a junk debt buyer like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, CACH, LLC, Copper State Financial Management, Unifund, LLC?  Click HERE to learn how to fight back.


Are you ready to be debt free? Bankruptcy is a powerful debt fighting tool that can help you eliminate date, save your home, reduce your car payment, and more. Click HERE to learn more.

Abusive Debt Collectors?

Federal law prohibits debt collectors from doing or saying anything that is unfair, untrue, undignified, or disrespectful. If you have a debt collector harassing or threatening you click HERE to learn more about getting them to stop.

The Latest


At Arizona Consumer Law Group, PLC, I help Mesa residents find solutions to their debt problems. I provide legal counsel and representation as a Mesa, Arizona bankruptcy attorney for anyone in the area who is considering declaring bankruptcy. In addition, I provide legal representation as a Mesa consumer litigation lawyer for those who are being sued by junk debt collectors. I also provide bankruptcy counsel to individuals who may be living in other areas of Arizona, including cities such as Phoenix, Glendale, Peoria, Gilbert, Queen Creek, and Scottsdale, among others. If you are going through the bankruptcy process or being sued by a junk debt collection agencies, you don’t have to go through it alone. I will fight your lawsuit on your behalf and make sure you have the best information to make informed choices so that you are able to achieve the most desireable outcomes.



Schedule a Free Consultation!





John Skiba, Esq. John Skiba, Esq.

We offer a free consultation to discuss your debt problem and help you put together a game plan to eliminate your debt once and for all. Give us a call at (480) 420-4028










Powered by ConvertKit


Though my practice as a bankruptcy lawyer in Mesa relates mostly to Arizona law, I also help others across the country to fight junk debt buyer lawsuits on their own. Big debt collection agencies buy charged-off debts from original lenders and serve suits against unsuspecting consumers. Regardless where you live, you have rights when it comes to dealing with these lawsuits. I provide courses that detail how you can represent yourself when a junk debt buyer bring a suit against you. I demonstrate how to prepare the Answer after you have been served with your lawsuit, how to appropriately respond to a Motion for  Summary Judgment, how to represent yourself in court (without a lawyer), and much more. If you are not sure that you need an attorney or feel like you are unable to afford one, consider how our debt collection lawsuit courses may be able to save you money and fight back against these junk debt collectors.


3 Proven Strategies for Dealing with a Midland Funding Debt Collection Lawsuit.

3 Strategies to Help Consumers Eliminate Default Judgments in Debt Collection Lawsuits.

3 Factors that Will Make or Break Your Debt Collection Lawsuit.

4 Reasons Bankruptcy May Be a Very Bad Idea.

Nearly a year ago I  received a court order in the mail. As i began to read i realized my worst fears were coming true. I was being sued! Stress and worry occupied my every waking moment. The effects of a lawsuit would be devastating for my family and I.

It took months for the trial to come but in the end it was exactly as Mr. Skiba  had predicted. The results couldn’t have turned out better. Dismissed with prejudice! I can’t possibly thank Him enough. I strongly recommend Arizona Consumer Law Group to anyone that finds themselves in a financial crisis. I truly believe you can’t find better guidance or representation.

Kenneth R.

I was extremely happy with the help I received from Mr. Skiba and his staff. Everyone was more helpful than I could have ever asked for.

I hope I Never need the help from AZ Consumer Law Group, PLC; however if I do I will not think twice before calling. I wish to thank everyone for everything you did for me. Thank You RM

Robert M.

In the interest of full disclosure, I am not a client of John, and am actually a Judgment Enforcer by trade.  I usually am the person suing for debts that are owed.

I randomly sat in on one of his trials, in a case where I thought it was very clear that his client owed the money.

John DECIMATED the opposing attorney, like a gentleman, and WON!

I’m still in shock over how he accomplished this, but he did!


G.K. - Yelp Review

It was a great experience working with John Skiba and his staff. They were very helpful and explained every options we have before we even agreed on him taking our case. Believe me every step of the way they were there for us and answered all our concerns about our situation. John and Kymber definitely made it more easy for us and helped us to have peace of mind. Thank you so much and we will definitely refer your service to our family and friends. Again we appreciate you all and we wish you all the best. God bless

David G.

I will use you again I’m certain, and I will definetely recommend you to anyone. Not only did you fully help me with my legal emergency, but you were very generous with your time when we met, as well as on the phone when I had more questions.  I loved thatyou speak plan English, you mad the law and the process very to easy to digest! Thank you so much for your immediate response to my needs. I’m so grateful to have gotten your number from my friend!

Paulina K.

I started my journey 3 years ago with Mr. Skiba. It began with him winning our case for us with out any issues.

Mr. Skiba also got a judgment in our behalf for our attorney fees. Which  took almost 3 years to get back. The opposing attorney just ignored all the judges rulings.

But Mr. Skiba didn’t give up and we finally got our money back Thanks a lot for all your hard work.

B.M. - Yelp Review

I received a call from a Collection Agency from an apartment that I lived in 5 years ago. I did not want to settle with the collection agency on a debt that I didn’t feel occurred.

Though I could have settled for possible less than attorney fees, I hired John off the principle of the situation. Not only did John win the Judgment, but also had their Attorney pay for my costs. I would recommend the professionalism of Arizona Consumer Law Group to everyone!

Justin B. - Yelp Review

You guys are the very best, awesome. Definitely using your skills as a lawyer too do good and help others. I greatly appreciate all your help and assistance with my legal matters. God bless you…

Mike T.

John and Kymber are amazing!! I had so much anxiety in dealing with all of my debt and issues and they made the process quick and painless.

John even took the time to rush my paperwork and went out of his way to make sure things were handled and my questions were answered.

I’m so incredibly grateful and thankful for them and would gladly refer any friends and family!!

Tiffany M. - Yelp Review