by John Skiba, Esq. | Jul 27, 2017 | Collection Law Suits, Legal Coaching
When it comes to consumers being sued by debt collectors in Arizona the overwhelming majority of consumer represent themselves in court. In fact, studies show that less than 1% of consumers being sued by a debt collector actually hire an attorney. This makes sense...
by John Skiba, Esq. | Jul 20, 2017 | Self-Help Legal Services
The bulk of debt collection lawsuits filed by junk debt buyers like Midland Funding, Cavalry SPV, Portfolio Recovery Associates, CACH (or any of the many other debt buyers) are for surprisingly little money. You might assume that the higher amount owed on the credit...
by John Skiba, Esq. | Jul 18, 2017 | Collection Law Suits, Debt Collection Lawsuits, Student Loan Debt
Recently the New York Times ran an article on the possibility of private student loans that are held by the National Collegiate Student Loan Trusts being wiped out due to poor documentation. While the New York Times article is shining a light on this the problems with...
by John Skiba, Esq. | Jun 30, 2017 | Debt Collection Lawsuits, Debt Settlement
Starting July 1, 2017 the three major credit reporting agencies – Equifax, Experian, and Transunion – will no longer report public records like judgments and tax liens unless it contains the consumer’s name, address, and either Social Security number...
by John Skiba, Esq. | Jun 13, 2017 | Debt Collection Lawsuits
Consumers from across the country have requested that I put together an information on course on the procedures and strategies to representing yourself in a debt collection trial. In light of this I am excited to announce the launching of a new course entitled...
by John Skiba, Esq. | May 24, 2017 | Debt Collection Lawsuits, Debt Settlement
When it comes to finding a real solution to debt problems the amount of information on the internet and elsewhere can be really overwhelming. In my law practice I meet dozens of families each week who are struggling with debt collection, lawsuits, wage garnishment and...
by John Skiba, Esq. | Apr 18, 2017 | Debt Collection Lawsuits
Salander Enterprises files a large number of debt collection lawsuits in Arizona. Salander Enterprises is a junk debt buyer that purchases old charged of debt – often medical debt – and then files lawsuits on in an attempt to collect the debt. Most...
by John Skiba, Esq. | Apr 5, 2017 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
The driving force behind most personal bankruptcy cases is unsecured debt like credit cards, medical bills, personal loans, etc. Some express concern as to what will happen to their secured loans such as their mortgage or loan on their car in a bankruptcy case. The...
by John Skiba, Esq. | Mar 3, 2017 | Collection Law Suits, Debt Collection Lawsuits
The Arizona Court of Appeals recently dealt a blow to consumers when it issued a new decision on the statute of limitations as it applies to credit card debt. The statute of limitations is the time period a credit card company has to file a collection lawsuit after a...
by John Skiba, Esq. | Dec 19, 2016 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Tax Debt
When it comes to IRS tax debt none of the typical debt collection rules apply. The IRS has power to take your money and lien your home without even filing a lawsuit. This is much different than the standard unsecured debt (i.e. credit cards, medical, etc.). Normally,...
by John Skiba, Esq. | Dec 14, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Delinquent car loans are becoming a big problem in Arizona. There are several reasons why, however a big problem I see in my bankruptcy practice are subprime car loans that charge very high interest rates on used cars. The subprime car loan problems were recently...
by John Skiba, Esq. | Nov 30, 2016 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
The Social Security Administration states that there are currently nearly 9 million people receiving social security disability benefits with the average monthly being a little over $1,200 per month. I meet weekly with clients who are living on disability benefits,...
by John Skiba, Esq. | Nov 26, 2016 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Having worked with families struggling with debt problems for over 14 years I have had more than a few interactions with repo men (and women). And more often than not, these interaction’s don’t end well. It was just a few months ago I wrote about a repo...
by John Skiba, Esq. | Nov 25, 2016 | Bankruptcy, Chapter 7 Bankruptcy
It is hard to believe that the holidays are upon us once again. And love it or hate it Black Friday and become a holiday tradition for many people where they stake out their claim for the great deals of the holiday season. While it can be easy to get caught up in the...
by John Skiba, Esq. | Nov 22, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy
A common question I get from married couples who are facing debt problems is whether both need to file for bankruptcy or if it is permissible for one spouse to file the bankruptcy. Many couples would like to try and save one spouse’s credit score or it may be...
