by John Skiba, Esq. | Aug 14, 2015 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement
Recently I was attending a pretrial conference at one of the local justice courts here in Arizona in one of the cases I have against Midland Funding, LLC. This type of court hearing is quite short (less than 5 minutes) and nothing much really happens other than the...
by John Skiba, Esq. | Aug 3, 2015 | Student Loan Debt
Student Loan Default Rates Arizona Completion Rates National Completion Rate Arizona Default Rate National Default Rate All Schools: 29% All Schools: 55% All Schools: 18% All Schools: 11% Public: 57% Public: 55% Public: 9% Public: 9% Private: 52% Private: 64% Private:...
by John Skiba, Esq. | Aug 3, 2015 | Collection Law Suits, Debt Collection Lawsuits, Newsletter
Recently, I have seen a flood of low-dollar debt collection lawsuits by junk debt buyers Midland Funding here in Arizona. Many times it doesn’t make sense to hire an attorney in cases where the amount in dispute is less than $1,000. However, without an attorney...
by John Skiba, Esq. | Jul 31, 2015 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Debt Settlement, Newsletter
I am proud to announce the launch of the Consumer Warrior Forums. Every day I get emails, comments on my blog, phone calls, and meet with people in person who are desperate for help with their debt collection lawsuit but either can’t afford an attorney or it...
by John Skiba, Esq. | Jul 23, 2015 | Collection Law Suits, Debt Collection Lawsuits
Often here on my blog I will discuss some of the more technical legal arguments that can help you win your case against junk debt buyers. However, in a surprisingly high number of cases you end up winning simply for showing up and continuing to show up until the very...
by John Skiba, Esq. | Jul 20, 2015 | Student Loan Debt
Here in Arizona it seems that school starts earlier each year. With the new school year right around the corner it is a good time for soon- to – be seniors and current college students to put some time into planning out how they are going to pay for their...
by John Skiba, Esq. | Jul 19, 2015 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement, Newsletter, Podcasts
On July 8, 2015 the Consumer Financial Protection Bureau (CFPB) and 47 states took action against Chase Bank for illegal debt collection activities involving the sale of delinquent accounts to third-party junk debt buyers. After a thorough investigation the CFPB...
by John Skiba, Esq. | Jul 16, 2015 | Newsletter, Student Loan Debt
Anytime a conversation turns to student loans many people begin to offer their opinions. These opinions vary from, on one hand, the internet trolls and their comments on any article dealing with student loans, telling people to just pay their debt obligations, to the...
by John Skiba, Esq. | Jul 14, 2015 | Debt Collection Lawsuits, Debt Settlement
My new online debt defense video courses will be available this morning at 9:00 a.m. (pst). These courses are geared to helping people who are fighting debt collection lawsuits against junk debt buyers like Midland Funding, Cavalry SPV, Portfolio Recovery Associates,...
by John Skiba, Esq. | Jul 13, 2015 | Collection Law Suits, Debt Collection Lawsuits, Newsletter
I am excited to launch a new service to consumers who are battling their debt problems without the assistance of an attorney. Tomorrow, Tuesday, July 14th, at 9:00 a.m. P.S.T. the online video courses will become available. Right now you will be able to access...
by John Skiba, Esq. | Jul 5, 2015 | Collection Law Suits, Debt Collection Lawsuits, Newsletter
Every year over 400,000 debt collection lawsuits are filed by junk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, and CACH, LLC. Worse yet, nearly 95% of these collection cases end in a default judgment – meaning that the consumer who...
by John Skiba, Esq. | Jul 1, 2015 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Newsletter
With the 4th of July weekend coming up, DUI task forces will be out. This got me thinking about the relationship between DUI and bankruptcy. I work in an office next to John Skiba and we’ve talked about how these practice areas overlap sometimes. As a dedicated DUI...
by John Skiba, Esq. | Jun 22, 2015 | Bankruptcy, Bankruptcy A to Z, Chapter 7 Bankruptcy, Newsletter
It is hard to believe we are getting ready to head into the July 4th weekend! 2015 is almost half-way over and I have started to plan out the remainder of the year andit is crazy to think if you are thinking of filing bankruptcy and want to start the new year debt...
by John Skiba, Esq. | Jun 11, 2015 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
For some filing for bankruptcy will not only bring a lot of much needed relief it is actually a smart financial step. Bankruptcy can clear away a lot of debt and truly provide a fresh start. However there are situations where filing for bankruptcy can be a very bad...
by John Skiba, Esq. | Jun 9, 2015 | Collection Law Suits, Debt Collection Lawsuits
Cavalry Portfolio Services is a junk debt buyer that files a lot of debt collection lawsuits here in Arizona. Often times they file the lawsuit under names such as Cavalry SPV. On March 30, 2015 the Arizona Department of Financial Institutions assessed a $175,000...
