by John Skiba, Esq. | Feb 17, 2015 | Collection Law Suits, Debt Collection Lawsuits, Fair Debt Collection, FDCPA Claims, Newsletter
It is almost as if they are watching you. Debt collectors seem to appear out of nowhere anytime something positive happens. While you may believe you are just unlucky and that you can’t seem to shake that grey cloud hanging over your head – the truth of...
by John Skiba, Esq. | Feb 11, 2015 | Fair Debt Collection, FDCPA Claims, Newsletter
Recently I spoke with a client who came really close to pulling out his wallet and sending thousands of dollars to a debt collector who had threatened and intimidated him and his family. You may be thinking – “how stupid – I would never do such a...
by John Skiba, Esq. | Feb 4, 2015 | Fair Debt Collection, FDCPA Claims, Newsletter, TCPA
The phone rings…long pause…click…then automated voice comes on to give you a message. Whether it is a telemarketer, a debt collector, or who knows what, we have likely experienced being robo-called by a computerized system. What many people...
by John Skiba, Esq. | Jan 27, 2015 | Fair Debt Collection, FDCPA Claims, Newsletter
A favorite tactic of debt collectors is to call the family and friends of the person they are trying to collect money from. And it makes sense…do you want your in-laws…your brother….your best friend…all knowing that you are going through...
by John Skiba, Esq. | Jan 21, 2015 | Collection Law Suits, Debt Collection Lawsuits, Fair Debt Collection, FDCPA Claims, Newsletter
If you are the target of a debt collector it can often feel like the wild wild west where anything goes. Debt collectors know that if they can make you feel the heat that you will be much more likely to pay up. Debt collectors will implement tactics like calling...
by John Skiba, Esq. | Jan 19, 2015 | Fair Debt Collection, FDCPA Claims, Newsletter
Debt collection phone calls…this is one of the top reasons people file for bankruptcy – so that they can avoid having to deal with debt collectors and all the garbage that goes with it. The thing is, you shouldn’t have to file for bankruptcy...
by John Skiba, Esq. | Jan 9, 2015 | Collection Law Suits
If you have been sued by one of the big debt buyers like Midland Funding, Portfolio Recovery Associates, or Cavalry SPV the one thing you want to avoid is a default judgment. A default judgment will be entered against you if you fail to file a written response, known...
by John Skiba, Esq. | Jan 8, 2015 | Collection Law Suits, Debt Collection Lawsuits
Portfolio Recovery Associates (“PRA”) is a debt buying company that purchases old, charged-off debts and then tries to collect on them, often by filing debt collection lawsuits. Portfolio Recovery Associates is one of the largest consumer debt buyers in...
by John Skiba, Esq. | Jan 7, 2015 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement, Newsletter
The law in Arizona as it applies to cases brought by junk debt buyers like Portfolio Recovery Associates is somewhat in flux. This has resulted in rulings from the various courts that can be all over the place. Often the end result of your case will largely be...
by John Skiba, Esq. | Jan 6, 2015 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement
If you are dealing with past due debts you no-doubt understand the confusion of what company is trying to collect what debt on behalf of who? (If that makes sense?). Well before a debt ends up in the hands of a junk debt buyer like Portfolio Recovery or Midland...
by John Skiba, Esq. | Jan 6, 2015 | Fair Debt Collection, FDCPA Claims
The Fair Debt Collection Practices Act (FDCPA) is a federal law the governs debt collection. Essentially it says what a debt collector can and can’t do in trying to get people to pay them. But many are surprised to learn that not all creditors are subject to...
by John Skiba, Esq. | Jan 3, 2015 | Collection Law Suits, Debt Collection Lawsuits, Debt Settlement, Newsletter
People want to pay their debts. That is why when a junk debt buyer like Midland Funding, CACH, LLC, Cavalry SPV, or Portfolio Recovery comes along and threatens to file a lawsuit over a junk debt it allegedly purchased, many people will agree to the settlement offer...
by John Skiba, Esq. | Dec 31, 2014 | Debt Collection Lawsuits, Fair Debt Collection, Newsletter
Each year on New Year’s Eve I like to take a look back at the articles I published and which ones helped the most people. During 2014 over 85,000 people from 146 countries read the articles on my blog! It always amazes the articles I write sitting in my office...
by John Skiba, Esq. | Dec 30, 2014 | Fair Debt Collection, FDCPA Claims, Newsletter
The first sign that you have fallen behind on your bills is the non-stop debt collection calls. These calls are not only stressful but can cause problems with your family, your job, and even your health. Many believe that there is nothing that can be done about the...
by John Skiba, Esq. | Dec 29, 2014 | Collection Law Suits, Debt Collection Lawsuits
I dedicate almost all of my work week to fighting junk debt buyers like Portfolio Recovery Associates, Midland Funding, LLC, and Cavalry SPV I, LLC. My extensive experience in handling these types of cases has put me in the unique position of breaking down the...
