by John Skiba, Esq. | Nov 10, 2014 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement
A while back I wrote a small e-book that went over the top ten myths I heard repeated over and over by clients coming into my office. As I continue to hear these concerns voiced by clients I thought it would be worth going over them again. Myth #1 – If a...
by John Skiba, Esq. | Nov 5, 2014 | Collection Law Suits, Debt Collection Lawsuits, Newsletter
A few years back four consumer advocacy groups did a study on debt buyers’ abusive collection lawsuits in New York City. The findings were pretty shocking. Here is a handful of what they found: 35% of debt buyer lawsuits were clearly merit-less Debt buyers...
by John Skiba, Esq. | Nov 3, 2014 | Fair Debt Collection, FDCPA Claims, Newsletter
After more than a decade in helping consumers with their debt problems I shouldn’t be surprised when I hear of some of the outrageous things debt collectors do. One would think that with all of the regulations out there and attorneys like me who make sure that...
by John Skiba, Esq. | Oct 29, 2014 | Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Newsletter
Filing for bankruptcy is a legal process and while you will likely not have a lot of interaction with the bankruptcy court during your case there are certain court hearings that you must attend and a few others, depending on the circumstances of your case. The court...
by John Skiba, Esq. | Oct 28, 2014 | Collection Law Suits, Debt Collection Lawsuits, Newsletter
This week I launched a new video course that I created specifically designed to provide helpful information people who are being sued by debt collectors like Midland Funding, Portfolio Recovery, Unifund, Cortez Investment, CACH, LLC and many others. While I produce a...
by John Skiba, Esq. | Oct 22, 2014 | Bankruptcy, Debt Collection Lawsuits, Debt Settlement, FDCPA Claims, Newsletter
The other day I met with a family who was barely getting by – large family, large amount of debt, and underemployed for eighteen (18) months. For eighteen (18) months the husband had toiled at a job he was overqualified for, for pay that no-where near met their...
by John Skiba, Esq. | Oct 20, 2014 | Bankruptcy, Chapter 7 Bankruptcy, Garnishment
Imagine losing a full quarter of your paycheck. Terrifying, right? That is what happens when wages are garnished in Arizona. After meeting with thousands of families over the last eleven years I have come to realize that there are a lot more of us living...
by John Skiba, Esq. | Oct 20, 2014 | Collection Law Suits, Debt Collection Lawsuits
I believe many people don’t fight back against debt buyers like Midland Funding, LLC because they believe that they owe the money so why fight it? In this article I want to give you three reasons why you should fight back against Midland Funding even if you...
by John Skiba, Esq. | Oct 16, 2014 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
While it is not a requirement, most people who need to file bankruptcy are struggling with their current financial situation. However, it is not necessarily true that the more broke you are the more you need bankruptcy. In fact, some families I meet with who are in...
by John Skiba, Esq. | Oct 15, 2014 | Collection Law Suits, Debt Collection Lawsuits
Cost is always one of the main concerns when it comes to deciding whether or not you will fight your debt collection lawsuit with Unifund (or Portfolio Recovery Associates, or CACH, LLC, or Cavalry SPV). Most people being sued by a debt collector are tight on cash as...
by John Skiba, Esq. | Oct 15, 2014 | Bankruptcy, Chapter 7 Bankruptcy
When you file for bankruptcy in Arizona you are only allowed to have a limited amount of cash on hand on the day that your bankruptcy case is filed. Before I go any further it is important to understand that the laws I am about describe are only applicable in...
by John Skiba, Esq. | Oct 14, 2014 | Collection Law Suits, Debt Collection Lawsuits, Newsletter
“A gamut of players including publicly traded companies, hedge fund operators, professional debt collectors, street hustlers, ex-cons, and lawyers all work together, and against one another, to recoup every penny on every dollar. In this often-lawless market...
by John Skiba, Esq. | Oct 14, 2014 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement, Newsletter
I recently had a trial against Midland Funding. It was your typical Midland Funding junk debt buyer trial – long on assumptions, short on admissible evidence. This particular case was particularly bad as to the complete lack of evidence. The alleged debt had...
by John Skiba, Esq. | Oct 13, 2014 | Collection Law Suits, Debt Collection Lawsuits
Long before debt buyers like Midland Funding file a lawsuit they start the whole debt collection process by showing up on your credit report. Soon after you will receive a letter or two entitled the “Pre-Legal Notification” from a company known as Midland...
by John Skiba, Esq. | Oct 13, 2014 | Garnishment, Newsletter, Wage Garnishment
Here on my blog I have written nearly 350 articles on debt, bankruptcy, and debt collection lawsuits, but day in and day out the number one thing people read out of all of my articles are those on wage garnishment. Wage garnishment is a little different in each state...
