Debt Fighting Tips | Live Q&A with Attorney John Skiba

TL;DR

Consumer protection attorney John Skiba provides tips and resources for individuals dealing with serious debt issues, including debt collection lawsuits and bankruptcy.

Transcript

hey everybody John skiba here it is Thursday night hey what's up everybody John skiba here from the consumer Warrior YouTube channel it's Thursday night here uh recording this one on July 27th uh here in the Valley of the Sun in Arizona um I am the founder of the consumer Warrior YouTube channel I'm also a consumer protection attorney and a bankrup... Read More

Key Insights

• 🥺 Debt collection lawsuits often lack legal representation for defendants, leading to a need for resources like the Consumer Warrior University.
• 🧑 The courts' approach to in-person trials versus virtual trials has changed due to COVID-19, but requesting an in-person trial is still possible.
• 💨 Mediation is encouraged by courts as a way to reach settlements and avoid trials.
• 🤝 Understanding the original creditor's terms and conditions is crucial when dealing with debt buyers under the Fair Debt Collection Practices Act.
• 📞 After receiving a bankruptcy discharge, individuals experience a significant relief from stress and financial pressure.
• ❓ Knowledge of the statute of limitations and timing in debt collection lawsuits can be advantageous for defendants.
• 👻 Filing for bankruptcy provides immediate relief from collection efforts and allows individuals to secure their basic needs.

Questions & Answers

Q: What options are available if you can't afford an attorney for a debt collection lawsuit?

Skiba recommends checking out the Consumer Warrior University, where he offers instructional courses, forms, and templates that can help individuals represent themselves. He also mentions the use of artificial intelligence in some courses, providing a fighting chance against debt collectors.

Q: Can mediation be requested instead of a trial, and how does it work?

Mediation can be requested by filing a motion with the court. Courts are generally open to mediation, as judges prefer settlements over trials. Mediation can be conducted by court-appointed mediators or private mediators, depending on the case.

Q: How long does it take for a creditor to file a lawsuit after selling the debt to another finance company?

Each state has its own statute of limitations for filing a debt collection lawsuit. If the debt is sold to a junk debt buyer, they become subject to the Fair Debt Collection Practices Act. It's essential to refer to the original creditor's terms and conditions to understand your rights.

Q: Can a business be started immediately after filing for bankruptcy?

Starting a new business after filing for bankruptcy is possible, but it depends on the bankruptcy chapter and the specific circumstances. In Chapter 7 bankruptcy, the focus is mainly on pre-filing issues, while Chapter 13 bankruptcy requires disclosing post-filing income and assets.

Summary & Key Takeaways

• John Skiba is a consumer protection attorney and founder of the Consumer Warrior YouTube channel.

• He offers live streams where he answers questions, provides strategies, and points viewers to helpful resources for debt-related issues, particularly debt collection lawsuits and bankruptcy.

• Skiba emphasizes the importance of knowledge and resources when dealing with debt collectors, as many individuals cannot afford an attorney.