Dealing with Debt | Live Q&A with Arizona Attorney John Skiba | Summary and Q&A

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February 10, 2023
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Consumer Warrior
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Dealing with Debt | Live Q&A with Arizona Attorney John Skiba

TL;DR

This video provides tips and strategies for dealing with debt collection, bankruptcy, and debt collection lawsuits, offering resources for those who may not be able to hire an attorney.

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Questions & Answers

Q: Why would a judge overrule arbitration on a credit card lawsuit?

Judges may deny arbitration if they are unfamiliar with the process or fail to understand the reasoning behind it. It is crucial to clearly articulate the credit card agreement and the desire to enforce it.

Q: Do junk debt buyers have to prove that they purchased the specific account from the original creditor?

Yes, junk debt buyers need to provide evidence that they acquired your specific account from the original creditor. General assignments or bill of sale without specific account information may not be sufficient.

Q: Is Chapter 7 bankruptcy worth filing for less than $10,000 of debt?

It depends on your specific circumstances. Chapter 7 bankruptcy may be a viable option if you are struggling to make minimum payments and your financial situation is not expected to improve. Consulting with a bankruptcy attorney can help determine the best course of action.

Q: Can a debt management program help with settling HOA debt with inflated interest and attorney's fees?

Settling HOA debt can be challenging due to the strict laws that protect HOAs. It may be difficult to negotiate a significant discount. Consulting with an attorney experienced in HOA issues can provide guidance on potential settlement options.

Summary & Key Takeaways

  • The Consumer Warrior YouTube channel aims to provide tips, strategies, and resources for individuals dealing with debt, bankruptcy, and debt collection lawsuits.

  • The channel offers tutorials, templates, and forms to assist individuals in defending debt collection lawsuits and navigating the bankruptcy process.

  • The Consumer Warrior University provides a more affordable option for accessing all of the classes, templates, and tutorials offered on the channel, along with a community of individuals going through similar situations.

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