John Skiba – Skiba Law Group, PLC

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

  • 480-420-4028
  • 480-302-7844

CW03: 3 Ways to Deal with Your Default Judgment

Did you know that over 95% of debt collection lawsuits end in a default judgment? Default judgments can wreck all kinds of havoc. Once a creditor is armed with a default judgment the creditor can do things like garnish wages,…more
| Bankruptcy, Civil Procedure, Consumer Protection

3 Ways to Use Your Tax Refund to Solve Your Debt Problem

It is the time of year when people are gearing up to get their taxes filed. Many will get a nice tax refund check and while what I am about to propose may be some of the least fun things you can do with a tax refund check, you…more
| Bankruptcy, Finance & Banking, Consumer Protection

CW02: How to Stop Debt Collectors from Calling Your Family, Friends, and Co-Workers

The job of a debt collector is to make you give them money. Debt collectors understand that if they can make you uncomfortable enough, whether it be through fear, embarrassment, or simply annoy unceasingly, that you will be…more
| Finance & Banking, Consumer Protection

They’re Watching You. How Debt Collectors Use Facebook and Your Credit Report to Keep Tabs on You

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…more
| Communications & Media Law, Finance & Banking, Privacy, Consumer Protection

Debt Collectors Gone Wild!

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…more
| Finance & Banking, Consumer Protection

How to Stop Robo-Debt Collection Calls to Your Cell Phone

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…more
| Civil Remedies, Communications & Media Law, Finance & Banking, Consumer Protection

Stop Debt Collectors from Calling Your In-Laws

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

Voicemail Messages from Debt Collectors – Don’t Hit Delete!

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…more
| Finance & Banking, Consumer Protection

FDCPA – Your Consumer Bill of Rights

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…more
| Bankruptcy, Finance & Banking, Privacy, Consumer Protection

Beginners Guide to Understanding Debt Collection Lawsuits Filed by Portfolio Recovery Associates in Arizona

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…more
| Civil Procedure, Finance & Banking

How a Default Judgment is Entered in Arizona – And Strategies to Avoid It

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…more
| Civil Procedure, Finance & Banking

3 Secret Strategies to Winning Your Case With Portfolio Recovery Associates (Or Any Other Junk Debt Buyer)

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

Quick Guide to the Typical Debt Collection Timeline (And Why You Should Care)

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…more
| Bankruptcy, Finance & Banking, Consumer Protection

What Types of Debt Collectors Can Be Sued for Abusive Debt Collection Tactics?

Debt Collectors: These are companies and individuals who do nothing but debt collection. They are no the original creditor and don’t work directly for the original creditor but work for an outside collection agency. If they…more
| Civil Procedure, Finance & Banking, Consumer Protection, Real Estate - Residential

Why You Shouldn’t Enter Into a Payment Plan with a Junk Debt Buyer

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…more
| Finance & Banking
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