Debt Collection Lawsuits, Bankruptcy, Live Q&A

TL;DR

Attorney John Skiba answers viewer questions on debt collection, bankruptcy, and legal issues relating to debt problems in a live Q&A session.

Transcript

hey everybody it is thursday evening i am john skiba and so we are doing our weekly live stream here on the consumer warrior youtube channel uh appreciate any of you are watching live and who may be checking this out later but each and every thursday night at 5 15 pm arizona time we do a live q a talking about different topics from debt collection ... Read More

Key Insights

• 💳 Settlements with debt collectors should be updated on credit reports to avoid potential violations.
• ⚾ Chapter 13 bankruptcy can be converted to Chapter 7 if you qualify based on income.
• ❓ Denial of a motion for arbitration does not necessarily predict trial outcomes.
• 😨 Acquiring a car after Chapter 7 bankruptcy is generally allowed, but consult your attorney for specific guidance.

Questions & Answers

Q: Can I change from Chapter 13 to Chapter 7 bankruptcy in Arizona?

Yes, it is possible to convert from Chapter 13 to Chapter 7 bankruptcy, but you must qualify based on income. Consult your attorney for advice on the process and potential pros and cons.

Q: What can I do if I have multiple accounts being taken to court after a default judgment on one account?

Options include trying to vacate the default judgment, settling the accounts, or considering bankruptcy. Discuss the best approach with your attorney considering the number of lawsuits involved.

Q: If a court denies my motion for arbitration in Arizona, does it indicate how the trial will go?

Generally, a denial of a motion for arbitration does not indicate trial outcomes. The trial will be determined by the plaintiff's ability to prove their case, regardless of arbitration terms and conditions.

Q: My family wants to buy me a car after my Chapter 7 bankruptcy is completed. Is this allowed, and are there any limits?

Generally, acquiring a car after Chapter 7 bankruptcy is not a problem. There is no specific dollar limit, but consult your attorney to ensure compliance with local practices and agreements.

Q: Can I appeal a judgment against me if I lose?

In most courts, you have the right to appeal a judgment. However, strict time limits apply, and the appeal focuses on whether the judge abused their discretion, rather than a retrial.

Summary & Key Takeaways

• John Skiba discusses various topics including debt collection lawsuits, bankruptcy, wage garnishments, and other debt-related issues.

• Viewers can ask questions and receive input on their specific situations.

• Skiba provides insights on topics such as settling claims with debt collectors and updating credit reports, converting bankruptcy chapters, handling default judgments, and the impact of a denied motion for arbitration.