John Skiba – Skiba Law Group, PLC

How to Avoid a Process Server

I would guess that I meet with at least two people daily who tell me that they know a process server has been coming by the house but they have been avoiding him and the lawsuit they know the process server is bringing with him…more
| Bankruptcy, Civil Procedure

CFPB Sanctions Midland Funding – What it Means for your Arizona Debt Collection Case

Recently I wrote about the Consumer Financial Protection Bureau (“CFPB”) sanctioning Midland Funding and its sister companies Midland Credit Management, Asset Acceptance, and parent company Encore Capital. After a thorough…more
| Civil Procedure, Consumer Protection, Finance & Banking

The First Step to Financial Peace is Having a Plan

If you are a regular reader of my blog you know that I am a fan of Dave Ramsey and his approach to eliminating debt. This is kind of a strange thing for a bankruptcy lawyer (for some weird reason many bankruptcy attorneys are…more
| Bankruptcy

3 Strategies for Dealing with Low Dollar Debt Collection Lawsuits

Over the past year I have seen junk debt buyers like Midland Funding and Portfolio Recovery Associates file debt collection lawsuits on account where the amount is relatively small – some for amounts less than $1,000. I have…more
| Consumer Protection, Finance & Banking

Is Midland Funding Even Aware of the CFPB Consent Order?

A few weeks back I reported how the Consumer Financial Protection Bureau (“CFPB”) had sanctioned both Midland Funding and Portfolio Recovery Associates for their illegal debt collection tactics when it came to junk debt buyer…more
| Consumer Protection, Finance & Banking

Bankruptcy Basics – “Will I Lose My House in a Chapter 7 Bankruptcy?”

Almost daily I meet with families that have avoided filing for bankruptcy because they fear they will lose their home as part of the process. In this article I will discuss how you can know if your house will be put at risk by…more
| Bankruptcy, Finance & Banking, Consumer Protection, Real Estate - Residential

Midland Funding and Portfolio Recovery Associates Slammed by Consumer Financial Protection Bureau

Today the Consumer Financial Protection Bureau (“CFPB”) took action against Midland Funding (and its parent company Encore Capital) and Portfolio Recovery Associates – the nation’s two largest junk debt buyers – for their…more
| Commercial Law & Contracts, Consumer Protection, Finance & Banking

Can We Really Trust the Banks?

I have written previously on the bias that consumers face from courts and others when they challenge a creditor who is suing them on a debt. The source of this bias, in my opinion, is partially due to the trust that people put…more
| Commercial Law & Contracts, Consumer Protection, Finance & Banking

Is it Illegal for a Debt Collector to Call Your Cell Phone?

Struggling with overwhelming debt problems is stressful – and a big source of that stress is the unending debt collection telephone calls. And now that we all have a cell phone with us pretty much 24 hours a day debt collection…more
| Communications & Media Law, Consumer Protection, Finance & Banking, Privacy

What is a Stipulated Judgment?

When a debt is legitimately owed I have found that most people simply want to negotiate a settlement with the creditor and get it behind them. And while creditors will usually agree to settle a debt, if a court case has already…more
| Civil Procedure, Commercial Law & Contracts, Consumer Protection, Finance & Banking

Dealing with Judicial Bias in Debt Collection Cases

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…more
| Civil Procedure, Consumer Protection, Finance & Banking

Arizona Leads Nation in Defaulting on Student Loans

Congratulations Arizona, you are the best. You’re the best at being the worst!! I have admit that I borrowed that phrase from an ex-drill sergeant who was reprehending me for something I had done that was incorrect and it has…more
| Antitrust & Trade Regulation, Bankruptcy, Consumer Protection, Education, Finance & Banking

7 Reasons You May Win Your Debt Collection Lawsuit that have Nothing to Do With the Law

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…more
| Finance & Banking

5 Ways to Pay for College

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…more
| Education, Finance & Banking

Chase Bank Ordered to Stop Collecting on 528,000 Accounts – Pay $50 Million to Consumers

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. …more
| Civil Remedies, Commercial Law & Contracts, Consumer Protection, Finance & Banking
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1640 South Stapley Drive Suite 127
Mesa, Arizona 85204, United States

  • 480-420-4028
  • 480-302-7844

Areas of Practice
  • Bankruptcy
  • Debtor/Creditor
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