by John Skiba, Esq. | Jun 13, 2016 | Fair Debt Collection, FDCPA Claims
In days past if a person couldn’t pay their bills debt collectors would send a few letters and make a few collection calls, but if payment wasn’t received within a certain time period the debt was often charged-off by the creditor and the consumer rarely...
by John Skiba, Esq. | Jun 8, 2016 | Fair Debt Collection, FDCPA Claims
With all the regulations governing debt collectors the telephone is still the quickest (and most annoying) way for a debt collector to try and get in touch with you. Even though debt collectors are clearly aware that most people now have cell phones and can easily...
by John Skiba, Esq. | Jun 6, 2016 | Collection Law Suits, Debt Collection Lawsuits
Today in my Facebook feed I was surprised to see John Oliver of “Last Week Tonight” do a segment on how debt buyers are hurting consumers across the country – and he even put the spotlight on Arizona as one of four states that are actually making it...
by John Skiba, Esq. | May 24, 2016 | Fair Debt Collection, FDCPA Claims
The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that sets the rules for debt collectors can do and say while trying to collect on a debt. While the FDCPA is a federal law, it protects people from the abusive tactics of debt collectors....
by John Skiba, Esq. | May 19, 2016 | Bankruptcy A to Z
A recent car repossession in Utah turned deadly after a 35 year old mother of two attempted to flee from the repo man who in turn took chase after the woman. The Police report states that their vehicles reached speeds of 70 m.p.h. on a 35 m.p.h. road and that the...
by John Skiba, Esq. | May 2, 2016 | Collection Law Suits, Debt Collection Lawsuits
Recently the Consumer Financial Protection Bureau (CFPB) 1)The Consumer Financial Protection Bureau is a federal agency that protections consumers from unfair, deceptive, or abusive practices and takes action against companies that break the law entered an order to...
by John Skiba, Esq. | Apr 30, 2016 | Collection Law Suits, Debt Collection Lawsuits
Have you been sued by Razor Capital? Even though Razor Capital is not an Arizona debt buyer they do file a large number of lawsuits in Arizona courts. Razor’s business model is to purchase old charged-off credit cards, auto loans, student loans, cell phones,...
by John Skiba, Esq. | Apr 27, 2016 | Collection Law Suits, Debt Collection Lawsuits
Have you been sued by Cortez Investment Co., LLC? If you live in Arizona and have fallen behind on a Citibank credit card there is a good chance you could get sued by Cortez Investment Co. through their lawyers at the Hameroff Law Group out of Tucson, Arizona. You may...
by John Skiba, Esq. | Apr 4, 2016 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
People don’t want to file for bankruptcy. Often the decision to file for bankruptcy only occurs after a point is reached where something financially painful is about to happen. Wage garnishment. Foreclosure. Debt collection lawsuits. All of these things make...
by John Skiba, Esq. | Mar 31, 2016 | Collection Law Suits, Debt Collection Lawsuits
Every single day I meet with people in my law practice who come to me with a wage garnishment stemming from a judgment that, until now, they had no knowledge of. In order to garnish wages it is generally necessary to file a lawsuit against the person owing the money...
by John Skiba, Esq. | Mar 28, 2016 | Collection Law Suits, Debt Collection Lawsuits
Did you have to stop paying your bills because you lost your job, got sick, go divorced? The court doesn’t care. Are you in debt because your business that you worked night and day at failed? The court simply does not care. It’s not that courts are made...
by John Skiba, Esq. | Mar 23, 2016 | Collection Law Suits, Debt Collection Lawsuits
Even though Midland Funding is a debt collector, its business model really isn’t about calling you on the phone or sending you threatening letters – they sue people. And they do so in huge numbers. In 2008 Midland filed more than 450,000 debt collection...
by John Skiba, Esq. | Mar 1, 2016 | Collection Law Suits, Debt Collection Lawsuits
Recently I had the privilege of arguing a debt collection case on behalf of a client against Midland Funding. The case was heard by the Arizona Court of Appeals and had to deal with one of the big issues when it comes to junk debt buyer cases – whether Midland...
by John Skiba, Esq. | Feb 11, 2016 | Bankruptcy, Foreclosure, Garnishment, Uncategorized
In most consumer bankruptcy cases most of the heavy lifting when it comes to the work involved is done prior to the actual filing of your bankruptcy documents with the bankruptcy court. Now that everything is ready to it is time to plan out when you are going to file...
by John Skiba, Esq. | Feb 1, 2016 | Bankruptcy, Bankruptcy A to Z, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
After a determination is made whether a chapter 7 bankruptcy or a chapter 13 bankruptcy would be better suited to solving your debt situation, it is time to get the ball rolling and start the process. You should be warned that bankruptcy – as with most things in...
