John Skiba – Skiba Law Group, PLC

The Ultimate Arizona Bankruptcy Guide – Pt. 3 – Getting the Process Started

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…more
| Bankruptcy

A Consumer’s Guide to Midland Funding Debt Collection Lawsuits – Chapter 1 Who is Midland Funding?

Each and every year there are hundreds of thousands of lawsuits filed across the country by companies known as “junk debt buyers”. Despite the huge volume of lawsuits there are relatively few lawyers who handle these types of…more
| Commercial Law & Contracts, Finance & Banking

What “Making a Murderer” Should Teach You About Your Debt Collection Lawsuit

This weekend I finally gave in and started watching the series on Netflix “Making a Murderer”. If you were like me and haven’t started binge watching this documentary here is a brief synopsis – Steven Avery gets convicted of a…more
| Bankruptcy, Finance & Banking

Arizona’s Default Judgment Problem

Arizona has a default judgment problem. Every day I meet with families and individuals who have been notified that their wages are about to be garnished based upon a default judgment entered years ago that they didn’t even know…more
| Bankruptcy, Finance & Banking

The Ultimate Arizona Bankruptcy Guide (pt. 2)

There are different types of bankruptcy designed to help different types of debt problems. Most consumers file either a chapter 7 or chapter 13 bankruptcy. In this article I will walk you through the differences between a…more
| Bankruptcy

The Ultimate Arizona Bankruptcy Guide (pt.1)

Bankruptcy is a big decision and one that most people want to avoid at nearly all costs. However bankruptcy is a powerful tool that can help you deal with your debt problem once and for all and in most cases the benefits…more
| Bankruptcy

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
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1640 South Stapley Drive Suite 127
Mesa, Arizona 85204, United States

  • 480-420-4028
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Areas of Practice
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  • Debtor/Creditor
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