by John Skiba, Esq. | Nov 16, 2016 | Collection Law Suits, Debt Collection Lawsuits
Two years ago Midland Funding sued a consumer here in Arizona and began what ended up being a two year court battle through both the Justice Court System and an appeal to the Maricopa County Superior Court. The end result was the court entering judgment in favor of...
by John Skiba, Esq. | Nov 15, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
In most chapter 7 bankruptcy cases the activity in the case is front loaded. What I mean by that is prior to filing the bankruptcy case there is a lot of activity around pulling all of the necessary information and documentation together to prepare the bankruptcy...
by John Skiba, Esq. | Nov 8, 2016 | Bankruptcy, Chapter 7 Bankruptcy
Periodically the United States Trustee’s Office updates the income limits used to determine whether or not you qualify for a chapter 7 bankruptcy filing. Overwhelmingly people that file for bankruptcy file under chapter 7 of the Bankruptcy Code. Chapter 7 has...
by John Skiba, Esq. | Nov 8, 2016 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
One of the issues that can cause problems in your chapter 7 bankruptcy is the transferring of assets prior to the filing of your bankruptcy case. When you file for bankruptcy you are required to disclose to the bankruptcy court if you have transferred any assets out...
by John Skiba, Esq. | Nov 8, 2016 | Collection Law Suits, Debt Collection Lawsuits
Recently we here at the Arizona Consumer Law Group represented a consumer who had been sued by junk debt buyer Midland Funding. Midland Funding filed a lawsuit against a consumer in the Maricopa County Superior Court alleging that it purchased a Barclays Bank credit...
by John Skiba, Esq. | Nov 8, 2016 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
After your bankruptcy case is filed with the Arizona bankruptcy court the clerk of the bankruptcy court will send out written notification of your bankruptcy to all of your creditors that were provided in the bankruptcy documents. This will not only let your creditors...
by John Skiba, Esq. | Nov 8, 2016 | Collection Law Suits, Debt Collection Lawsuits, Student Loan Debt
National Collegiate Student Loan Trust files many lawsuits in Arizona each month. They are often filed in the superior court that deals with lawsuits where the amount in dispute is over $10,000. If you have been sued by National Collegiate Student Loan Trust your...
by John Skiba, Esq. | Nov 8, 2016 | Collection Law Suits, Debt Collection Lawsuits
Earlier this week the CEO of Wells Fargo retired in the wake of its recent fraudulent account scandal. It was recently disclosed that for years Wells Fargo employees were secretly opening bank accounts, issuing credit cards, and signing customers up for online banking...
by John Skiba, Esq. | Nov 8, 2016 | Student Loan Debt
ITT Technical Institute announced on Tuesday, September 6, 2016 their plans to shut down all of their remaining campuses. The decision comes as the U.S. Education Department announced the previous week they would no longer allow new students to use federal financial...
by John Skiba, Esq. | Sep 6, 2016 | Debt Settlement
When it comes to dealing with debt there are really three options: (1) pay them in full, (2) settle the debt for an amount less than the full amount, or (3) file for bankruptcy. If you can’t pay your debts in full and the idea of bankruptcy makes your stomach...
by John Skiba, Esq. | Sep 1, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Bankruptcy is a powerful tool that can once and for all eliminate your debt problems. And while bankruptcy is a lot less painful than most imagine, there are certain pitfalls that can make the process a whole lot more complicated. In this post I am going to discuss...
by John Skiba, Esq. | Aug 10, 2016 | Collection Law Suits
****Updated**** Arizona Legislature Recently Amended this Statute – Doubling the Time from Five to Ten Years Over 95% of the cases filed by junk debt buyers like Midland Funding, CACH, LLC, and Portfolio Recovery Associates end in a default judgment. These debt...
by John Skiba, Esq. | Jul 21, 2016 | Collection Law Suits, Debt Collection Lawsuits
Midland Funding continues to flood Arizona courts with debt collection lawsuits filed against Arizona consumers. Last year I pulled the data in October 2015 as to the number of lawsuits filed by junk debt buyers like Midland Funding here in Maricopa County and the...
by John Skiba, Esq. | Jul 19, 2016 | Collection Law Suits, Debt Collection Lawsuits
Junk debt buyers like Midland Funding, Portfolio Recovery, Cavalry SPV, CACH, LLC, and Cortez Investment files thousands debt collection cases in Arizona courts every month. Most of these cases don’t end well. In fact, over 95% of debt collection lawsuits filed...
by John Skiba, Esq. | Jun 14, 2016 | Collection Law Suits, Debt Collection Lawsuits
The overwhelming majority of families that are sued by debt collectors either don’t get proper notice or simply ignore it. This isn’t the first (or even second) time I have written about this. Every now and again – usually after I have met with...
