by John Skiba, Esq. | Jul 27, 2020 | Collection Law Suits, Debt Collection Lawsuits
In this article I’m going to share with you three options you have when you’re facing a debt collection lawsuit. If you’ve been sued by a debt collector and you recently just got the summons and the complaint and the process server showed up at your...
by John Skiba, Esq. | Apr 1, 2020 | COVID-19
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by John Skiba, Esq. | Mar 16, 2020 | COVID-19
We are living in strange times. With the worldwide efforts to stop the spread of the Coronavirus / COVID-19, we are seeing most schools and large events being canceled. There are even discussions of shutting down all non-essential services throughout the United...
by John Skiba, Esq. | Jan 2, 2020 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
You may feel like there is never enough money to pay all of your bills. Dave Ramsey often cites to the statistic that nearly 80% of Americans are living pay-check-to-pay-check. When money is tight, even a small amount of debt can put a lot of stress on a family. A...
by John Skiba, Esq. | Dec 26, 2019 | Budgeting & Financial Management Articles, Collection Law Suits, Debt Collection Lawsuits, Debt Settlement
In this article, I am going to give you the inside scoop on how to successfully settle your debts for less than what you owe. When struggling with serious debt problems you really have three options: (1) pay them in full; (2) file bankruptcy; or (3) negotiate a...
by John Skiba, Esq. | Mar 6, 2019 | Bankruptcy, Debt Collection Lawsuits
Can a debt collector put a lien on your home? Worse yet, can a debt collector foreclose on your house? *** New Arizona Court Decision *** Recently, the Arizona Court of Appeals addressed these questions in Pac. W. Bank v. Castleton, No. 1 CA-CV 17-0667 (Ariz. Ct. App....
by John Skiba, Esq. | Mar 6, 2019 | Bankruptcy, Chapter 7 Bankruptcy
I have helped Arizona families deal with serious debt problems for nearly two decades. During that time the biggest hurdle for most families that desperately needed debt relief was how they could afford to pay the legal fees associated with filing for bankruptcy. In...
by John Skiba, Esq. | Dec 6, 2018 | Collection Law Suits, Debt Collection Lawsuits
by John Skiba, Esq. | Dec 6, 2018 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement, Uncategorized
by John Skiba, Esq. | Sep 1, 2018 | Collection Law Suits, Debt Collection Lawsuits
For years Arizona law as it relates to the statute of limitations on credit cards has been murky at best. Recently the Arizona Supreme Court provided a lot of clarity when it comes to calculating when the statute of limitations starts ticking on credit card debt. But...
by John Skiba, Esq. | Aug 27, 2018 | Collection Law Suits, Debt Collection Lawsuits
The Arizona legislature just sucker punched the Arizona consumer. Arizona is an extremely friendly place for debt collectors to do business – most of whom have their operations outside of the state of Arizona. Recently, the law in Arizona as it relates to civil...
by John Skiba, Esq. | Nov 7, 2017 | Debt Collection Lawsuits, Debt Settlement
Hey everybody, John Skiba here from the Arizona Consumer Law Group. I am also founder of the Consumer Warrior Project that provides resources to people that are facing serious debt problems. You can learn more about that by going over to the website...
by John Skiba, Esq. | Aug 17, 2017 | Debt Collection Lawsuits, Debt Settlement
Hey everybody, John Skiba here from the Arizona Consumer Law Group. I’m also founder of the Consumer Warrior Project where I provide information to consumers who are dealing with pretty serious debt problems as far as how you can solve those problems. In...
by John Skiba, Esq. | Jul 30, 2017 | Collection Law Suits, Debt Collection Lawsuits
Today I was at the court attending a garnishment hearing on behalf of a client. I got there a little bit early and was reviewing the docket posted outside the courtroom by the clerk of the court. The morning’s calendar was full of debt collection cases –...
by John Skiba, Esq. | Jul 29, 2017 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement, Legal Coaching
Arizona’s justice court system has a problem when it comes to mediation in debt buyer cases brought by junk debt buyers like Portfolio Recovery Associates, CACH, Cavalry SPV, and Midland Funding. Before I jump into the mediation problem faced by Arizona...
