John Skiba
Arizona Consumer Law Group, PLC

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1640 South Stapley Drive
Suite 127
Mesa, Arizona 85204, United States
Phone: 480-420-4028
Fax: 480-302-7844
Areas of Practice
  • Bankruptcy
  • Debtor/Creditor
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Have You Been Sued By Salander Enterprises?

Salander Enterprises files a large number of debt collection lawsuits in Arizona. Salander Enterprises is a junk debt buyer that purchases old charged of debt – often medical debt – and then files lawsuits on in an attempt to…more
 /  Finance & Banking

What Happens to Car & Home Loans in Bankruptcy?

The driving force behind most personal bankruptcy cases is unsecured debt like credit cards, medical bills, personal loans, etc. Some express concern as to what will happen to their secured loans such as their mortgage or loan…more
 /  Bankruptcy, Finance & Banking

Arizona Statute of Limitations on Credit Card Debt – New Decision Deals Blow to Consumers

The Arizona Court of Appeals recently dealt a blow to consumers when it issued a new decision on the statute of limitations as it applies to credit card debt. The statute of limitations is the time period a credit card…more
 /  Finance & Banking

How to Eliminate IRS Tax Debt in Arizona

When it comes to IRS tax debt none of the typical debt collection rules apply. The IRS has power to take your money and lien your home without even filing a lawsuit. This is much different than the standard unsecured debt…more
 /  Bankruptcy, Finance & Banking, Taxation

How to Avoid Repossession in Arizona

Delinquent car loans are becoming a big problem in Arizona. There are several reasons why, however a big problem I see in my bankruptcy practice are subprime car loans that charge very high interest rates on used cars. The…more
 /  Bankruptcy, Consumer Protection, Finance & Banking

Bankruptcy When You Are on Disability

The Social Security Administration states that there are currently nearly 9 million people receiving social security disability benefits with the average monthly being a little over $1,200 per month. I meet weekly with clients…more
 /  Bankruptcy, Finance & Banking

Repo Man Pays Off Elderly Couple’s Car

Having worked with family struggling with debt problems for over 14 years I have had more than a few interactions with repo men (and women). And more often then not these interaction’s don’t end well. It was just a few…more
 /  Bankruptcy, Finance & Banking

Black Friday and Bankruptcy

It is hard to believe that the holidays are upon us once again. And love it or hate it Black Friday and become a holiday tradition for many people where they stake out their claim for the great deals of the holiday…more
 /  Bankruptcy, Finance & Banking

Does My Spouse Have to File Bankruptcy With Me in Arizona?

A common question I get from married couples who are facing debt problems is whether both need to file for bankruptcy or if it is permissible for one spouse to file the bankruptcy. Many couples would like to try and save…more
 /  Bankruptcy

Midland Funding Ordered to Pay Consumer After Two Year Court Battle

Two years ago Midland Funding sued a consumer here in Arizona and began what ended up being a two year court battle through both the Justice Court System and an appeal to the Maricopa County Superior Court. The end result was…more
 /  Civil Procedure, Finance & Banking

The Ultimate Arizona Bankruptcy Guide – pt. 7 – The Path to a Chapter 7 Discharge

In most chapter 7 bankruptcy cases the activity in the case is front loaded. What I mean by that is prior to filing the bankruptcy case there is a lot of activity around pulling all of the necessary information and documentation…more
 /  Bankruptcy, Finance & Banking

How do I Know If I Qualify for Chapter 7 Bankruptcy?

Periodically the United States Trustee’s Office updates the income limits used to determine whether or not you qualify for a chapter 7 bankruptcy filing. Overwhelmingly people that file for bankruptcy file under chapter 7…more
 /  Bankruptcy, Finance & Banking

Don’t Transfer Assets Prior to Filing Bankruptcy

One of the issues that can cause problems in your chapter 7 bankruptcy is the transferring of assets prior to the filing of your bankruptcy case. When you file for bankruptcy you are required to disclose to the bankruptcy…more
 /  Business Organizations, Finance & Banking

Midland Funding Loses at Trial – Can’t Prove Case

Recently we here at the Arizona Consumer Law Group represented a consumer who had been sued by junk debt buyer Midland Funding. Midland Funding filed a lawsuit against a consumer in the Maricopa County Superior Court alleging…more
 /  Civil Procedure, Finance & Banking

The Ultimate Arizona Bankruptcy Guide – Pt. 6 – The Meeting of Creditors

After your bankruptcy case is filed with the Arizona bankruptcy court the clerk of the bankruptcy court will send out written notification of your bankruptcy to all of your creditors that were provided in the bankruptcy…more
 /  Bankruptcy, Finance & Banking
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