John Skiba – Skiba Law Group, PLC

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

  • 480-420-4028
  • 480-302-7844

What to Expect from Your Mediation with Midland Funding, LLC

When it comes to fighting back against debt collectors like Midland Funding, Portfolio Recovery, or CACH, LLC (to name just a few) there are a lot of ” – tions ” . You have “litigation”, “arbitration” , and “mediation” . …more
| Alternative Dispute Resolution (ADR), Civil Procedure, Finance & Banking, Consumer Protection

Stop Allowing Creditors to Have Power Over You

I almost have my car paid off and last night I called into the bank to get some information on the payoff. I went through the normal hoops of providing them with account information and the last four digits of my social…more
| Bankruptcy, Consumer Protection, Privacy

Turning the Tables: How You Can Turn Your Debt Collection Lawsuit into an FDCPA Action Against Junk Debt Buyers

With increasing regularity I am seeing clients who initially are sued by a junk debt buyer like Midland Funding, Portfolio Recovery, or CACH, LLC turn the tables on the debt buyer and file a claim for violations of the Fair Debt…more
| Civil Remedies, Finance & Banking, Business Torts, Consumer Protection

Over 2,900 Junk Debt Buyer Lawsuits Filed in Maricopa County, Arizona in October!

If you have been sued by a junk debt buyer like Midland Funding, CACH, LLC, or Cavalry SPV it can feel like you are the only one dealing with such stressful problems. But the reality is you are far from being alone when it…more
| Finance & Banking, Consumer Protection

What is the Statute of Limitations on a Credit Card Debt in Arizona?

This question is more tricky than it might first seem. I meet with a lot of people who have been sued by one of the big debt buyers (i.e. Midland Funding, Portfolio Recovery, Unifund, CACH, LLC, etc.) who think that they are…more
| Civil Procedure, Finance & Banking, Consumer Protection

Top Ten Consumer Debt Myths (#8 Will Surprise You)

A while back I wrote a small e-book that went over the top ten myths I heard repeated over and over by clients coming into my office. As I continue to hear these concerns voiced by clients I thought it would be worth going over…more
| Bankruptcy, Consumer Protection

Debt Buyers Win 94.3% of Their Cases by Default Judgment – How You Can Avoid Being a Statistic

A few years back four consumer advocacy groups did a study on debt buyers’ abusive collection lawsuits in New York City. The findings were pretty shocking. Here is a handful of what they found..…more
| Finance & Banking, Consumer Protection

Debt Collectors are Threatening to Throw Me in Jail! Can they Do That?

After more than a decade in helping consumers with their debt problems I shouldn’t be surprised when I hear of some of the outrageous things debt collectors do. One would think that with all of the regulations out there and…more
| Finance & Banking, Consumer Protection

Will I Have to Go to Court During My Bankruptcy Case?

Filing for bankruptcy is a legal process and while you will likely not have a lot of interaction with the bankruptcy court during your case there are certain court hearings that you must attend and a few others, depending on the…more
| Bankruptcy, Civil Procedure

3 Ways the System is Rigged Against Consumers

The other day I met with a family who was barely getting by – large family, large amount of debt, and underemployed for eighteen (18) months. For eighteen (18) months the husband had toiled at a job he was overqualified for,…more
| Bankruptcy, Finance & Banking, Consumer Protection

How Bankruptcy Stops Arizona’s Wage Garnishment Law Dead in Its Tracks

Imagine losing a full quarter of your paycheck. Terrifying, right? That is what happens when wages are garnished in Arizona. After meeting with thousands of families over the last eleven years I have come to realize that…more
| Bankruptcy

Should I Fight My Midland Funding Lawsuit if I Owe the Money?

I believe many people don’t fight back against debt buyers like Midland Funding, LLC because they believe that they owe the money so why fight it? In this article I want to give you three reasons why you should fight back…more
| Bankruptcy, Finance & Banking, Consumer Protection

Too Broke for Bankruptcy?

While it is not a requirement, most people who need to file bankruptcy are struggling with their current financial situation. However, it is not necessarily true that the more broke you are the more you need bankruptcy. In…more
| Bankruptcy

Can I Recover My Attorney’s Fees in My Lawsuit with Unifund (or Portfolio Recovery Associates, or CACH, LLC, or Cavalry SPV) ?

Cost is always one of the main concerns when it comes to deciding whether or not you will fight your debt collection lawsuit with Unifund (or Portfolio Recovery Associates, or CACH, LLC, or Cavalry SPV). Most people being sued…more
| Civil Remedies, Finance & Banking, Consumer Protection

How Much Cash Can I Have and File for Bankruptcy in Arizona?

When you file for bankruptcy in Arizona you are only allowed to have a limited amount of cash on hand on the day that your bankruptcy case is filed. Before I go any further it is important to understand that the laws I am about…more
| Bankruptcy
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