by John Skiba, Esq. | Jan 25, 2014 | Student Loan Debt
Recent statistics show that there is more than $1 trillion dollars in student loan debt outstanding. A trillion! If you went to any type of training/college it is likely that you have student loans. Problem is many of the jobs that people are able to get with their...
by John Skiba, Esq. | Jan 25, 2014 | Chapter 7 Bankruptcy, Garnishment
Let’s face it. No one wants to file for bankruptcy. Even though many times bankruptcy is the solution we need, we put it off until one day we get hit with a wage garnishment, a debt collection lawsuit, a bank levy, or even foreclosure. Once a creditor takes...
by John Skiba, Esq. | Jan 20, 2014 | Debt Collection Lawsuits
For a long time I have been writing articles on debt buyers Midland Funding, Portfolio Recovery Associates, Calvary SPV, and others and I have decided it is time to cover these topics in a series of videos that will discuss everything from knowing if you have really...
by John Skiba, Esq. | Jan 2, 2014 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement
Happy New Year! When this time of year rolls around I always tend look back on the prior year and ask myself if things are any different now than they were a year ago. Did I meet my goals? Have I improved my and my family’s situation? As with many of us I...
by John Skiba, Esq. | Dec 30, 2013 | Chapter 7 Bankruptcy, Collection Law Suits, Debt Collection Lawsuits
After the shock of getting sued by Midland Funding has worn off a bit you naturally start thinking of how you are going to deal with this sudden intrusion into your life. Really there are only three options: you can fight the case and make Midland Funding prove their...
by John Skiba, Esq. | Dec 23, 2013 | Collection Law Suits, Debt Collection Lawsuits
Midland Funding files a lot lawsuits here in Arizona. And many people I meet with make the decision to go it alone and represent themselves in their lawsuit. However one step in the collection lawsuit that makes people nervous is when the court schedules a pre-trial...
by John Skiba, Esq. | Nov 26, 2013 | Chapter 7 Bankruptcy, Debt Collection Lawsuits
Talk about the gift that keeps on giving the whole year through! I am up visiting family in Utah for the Thanksgiving holiday and noticed this sign on a local credit union. It got me to thinking about trends I notice when I review the debts of my bankruptcy clients....
by John Skiba, Esq. | Nov 18, 2013 | Collection Law Suits, Debt Collection Lawsuits
That fact that you are reading this blog means that you likely were recently served with a Portfolio Recovery debt collection lawsuit. Lawsuits are no fun, and you no doubt have been in some varying state of panic since the process server dropped off the Summons and...
by John Skiba, Esq. | Nov 12, 2013 | Collection Law Suits, Debt Collection Lawsuits
When one thinks of trials images of Perry Mason or Atticus Finch may come to mind. But when it comes to debt collection law suits things are a little less grand. In Arizona most debt collection (particularly Debt Buyer cases) cases are heard in one the Arizona...
by John Skiba, Esq. | Nov 6, 2013 | Uncategorized
I don’t know how much more I can take. Day in and day out I meet with people that have been sued by Midland Funding, Equable Ascent, LVNV, LLC, Portfolio Recovery – and a long list of the other debt buyers. And many – too many – of the people...
by John Skiba, Esq. | Nov 5, 2013 | Chapter 7 Bankruptcy
Starting on November 15, 2013 there will be updated means test numbers here in Arizona for chapter 7 bankruptcy filers. What does this mean? Let me back up and start with what the “means test” is. Back in 2005 Congress, in its infinite wisdom, decided...
by John Skiba, Esq. | Oct 29, 2013 | Collection Law Suits, Debt Collection Lawsuits
Most people that get sued by a debt buyer like Midland Funding or Portfolio Recovery usually represent themselves in court. I understand why people do this – money (or the lack thereof). But far too often I run into people who represent themselves in their...
by John Skiba, Esq. | Oct 23, 2013 | Collection Law Suits, Debt Collection Lawsuits
Most debt collection lawsuits end with the court entering a default judgment. Default judgments are entered when you get sued and either don’t know about it or simply ignore it. Some surveys show that when it comes to collection cases by debt buyers like...
by John Skiba, Esq. | Oct 22, 2013 | Collection Law Suits, Debt Collection Lawsuits
Many have heard of arbitration but aren’t quite sure what it is. In Arizona, we have a unique procedure in debt collection lawsuits that requires the parties to the lawsuit to attend what is known as “compulsory arbitration” if the amount that is...
by John Skiba, Esq. | Oct 16, 2013 | Collection Law Suits, Debt Collection Lawsuits
If you have been sued by CACH, LLC, or one of the other debt buyers, you have probably felt a lot of different emotions – with fear of the unknown likely rising to the top! However, understanding the process you are going through can bring you a lot of peace....
