by John Skiba, Esq. | Mar 19, 2015 | Chapter 7 Bankruptcy, Debt Collection Lawsuits, Newsletter, Podcasts
So much of the stress associated with serious debt problems comes from the uncertainty of the whole process. Often creditors will not take any action for months and even years. This can even lull you into a false sense of security that you are finally through the...
by John Skiba, Esq. | Mar 17, 2015 | Chapter 7 Bankruptcy, Collection Law Suits, Debt Collection Lawsuits, FDCPA Claims, Newsletter, Podcasts
Almost without exception when I post an article dealing with debt collection or bankruptcy on the Facebook Page for the Consumer Warrior Project someone will leave a comment like “pay your bills, then you won’t have any problems!” or “life...
by John Skiba, Esq. | Mar 10, 2015 | Collection Law Suits, Debt Collection Lawsuits
Lately I have seen an pretty significant increase in the number of lawsuits filed by junk debt buyers like Midland Funding, Unifund, and CACH, LLC on old charged-off Bank of America credit cards here in the Phoenix area. When junk debt buyers place accounts to be sued...
by John Skiba, Esq. | Mar 5, 2015 | Collection Law Suits, Debt Collection Lawsuits, Newsletter, Podcasts, Self-Help Legal Services
T.M.I. – Too Much Information. People often put way too much unnecessary, and potentially harmful, information in their Answers. This is one of the biggest mistakes I see consumers make when they decide to draft their own Answer to a Debt Collection lawsuit....
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. | 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...
