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John Skiba

John Skiba

Arizona Consumer Law Group, PLC
  • Bankruptcy, Consumer Law
  • Arizona
Claimed Lawyer ProfileSocial Media

I have dedicated my legal career to helping those who are struggling with debt and financial set backs. Many are unaware of the protections and relief that the law provides in rebuilding their financial lives.

During law school I studied bankruptcy law under Judge Bruce Markell, a nationally known expert in bankruptcy law. I also served as an extern to Judge Clive Jones, bankruptcy judge in the District of Nevada.

My practice is limited to helping consumers with bankruptcy and consumer related legal matters, including helping consumers fight back against debt collection abuse. I have helped hundreds of clients gain a fresh start through the bankruptcy process. My goal is to provide my clients with the knowledge and understanding of the court system in helping them deal with their financial difficulties. I offer a free consultation to review client's current situation and help them put together a game plan in moving forward.

UNLV William S. Boyd School of Law
J.D. (2003) | Law
Honors: CALI Award - Excellence in Trial Advocacy
Activities: President, Federalist Society
Brigham Young University
B.S. | Sociology
Professional Experience
Bankruptcy Attorney
Skiba Law Group, PLC
- Current
Senior Associate
Jackson White, P.C.
Senior Associate
Combs Law Group, PLC
Firm Owner
Skiba Law Group, PLLC
Criminal Prosecutor
Maricopa County Attorneys Office
Aspey, Watkins & Diesel, PLLC
Professional Associations
Arizona State Bar
United States District Court, District of Arizona
United States Court of Appeals for the Ninth Circuit
American Bankruptcy Institute
National Association of Consumer Bankruptcy Attorneys
Jurisdictions Admitted to Practice
  • Free Consultation
  • Credit Cards Accepted
  • Rates, Retainers and Additional Information
    Low Fee Bankruptcy. Payment plans available.
Practice Areas
  • Bankruptcy
  • Consumer Law
Social Media
Websites & Blogs
Arizona Bankruptcy Attorney | John Skiba | Mesa, Glendale, Peoria
Can You Fight the Junk Debt Buyers on Your Own?

Junk Debt Buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, Unifund, Cortez Investment - they file thousands of lawsuits each month in the State of Arizona and over 98% of people represent themselves without a lawyer.

Responding to Discovery in a Debt Collection Lawsuit

Have you been sued by a credit card company? You will likely receive written discovery requests. In this video, I go over the pitfalls of responding to written discovery.

Want to Lose Your Debt Collection Lawsuit - Do This!

Nearly 95% of people sued by junk debt buyers end up having a default judgment entered against them. For those that do fight back most represent themselves without an attorney. Many of those people end up losing - badly. In this video, I share with you a vital strategy to keep from losing your case.

Should You Have a Credit Card in College?

Credit card companies market heavily to college students. Which is somewhat strange as most college kids don't have a regular source of income (if you don't count student loan debt). In this video, I share the advice I am giving my son as he heads off to college. Check out our forms, templates, and debt fighting tools at http://Legal.Coach

Zero-Based Budget | The Key to Getting out of Debt

Nationally about 30% of Americans keep a written budget each month. On the flip side, 76% of Americans live paycheck-to-paycheck. What I have found is that those who are in debt don't keep a budget, while those who do are able to get out of debt and build wealth. In this episode, I discuss what a Zero-Based Budget is, how it can help you get out of debt, and why it is an essential foundation to your personal finance plan. Check out our online tutorials, templates, forms, and other debt fighting tools at http://Legal.Coach

How are Americans at Budgeting & Saving?

Looking for help with developing your budgeting skills? Work with John at http://DebtFree.Coach recently released a study on the spending, budgeting, and saving habits of Americans. Are you a saver or spender? Do you keep a budget? What advice to you have on budgeting?

Budget. Eliminate Debt. Save.

In this video, I share with you with my offensive line coach at BYU told me in my first meeting with him and how it relates to my Financial Coaching practice. Financial Coach was a title I was reluctant to add to my title as an attorney. In this video, I share with you why I added financial coaching services to my law practice and why it is a viable alternative to bankruptcy.

Take Ownership of Your Debt Problem

Dealing with serious debt is stressful. In this episode, I share my thoughts on how you can take ownership of your current debt problem in such a way that you avoid future financial difficulties. Check out our online video tutorials, forms, templates, and debt fighting resources at http://Legal.Coach Interested in working with John? Schedule an appointment at http://DebtFree.Coach

Is America Drowning in Credit Card Debt? (WalletHub Study)

Recently WalletHub released it's most recent study on credit card debt in America - and it doesn't paint a pretty picture. In this episode, I discuss WalletHub's findings, including how much credit card debt the average American has, what type of debts they use their credit cards for, and ways you can avoid credit card debt and get debt free. Learn more about John and his Financial Coaching Practice by clicking http://DebtFree.Coach Check out online tutorials, forms, templates, and other debt fighting resources by clicking http://Legal.Coach

Dave Ramsey's Debt Snowball v. Chapter 13 Bankruptcy

In this episode, we discuss the differences between Dave Ramsey's debt snowball approach to eliminating debt and a chapter 13 bankruptcy approach, and what may be the best option for your situation. Check out John Skiba's Financial Coaching page here -- http://DebtFree.Coach Check out our online tutorials, forms, templates, and other debt fighting resources --- http://Legal.Coach

The #1 Thing to Avoid Bankruptcy

No one wants to file for bankruptcy. But at times it is necessary. In this episode, I discuss the #1 thing I have seen in my time as a bankruptcy attorney that leads people to file and what you can do to avoid it. Learn more about more about our forms, templates, and online tutorials for getting out of debt by clicking here - http://Legal.Coach Learn more about John Skiba's financial coaching services by clicking here - http://DebtFree.Coach

Is it Immoral to File Bankruptcy?

Many, if not most, struggle with the morality of bankruptcy. In this episode, I discuss my thoughts as both an experienced bankruptcy attorney and a certified Ramsey Solutions Financial Coach. Check out our forms, templates, and online tutorials http://Legal.Coach

How to Save a $1,000 Emergency Fund (Baby Step #1)

When your budget is tight the thought of setting aside a $1,000 emergency fund seems impossible. In this episode, I share with you some ways you can put your emergency fund together more quickly. Check out our online legal forms, templates, and online tutorials at http://Legal.Coach

Financial Coaching or Bankruptcy?

Dealing with serious debt problems requires some serious thought no matter what path you take. Bankruptcy can take care of your debt but does it solve the underlying problem? Check out our online tutorials, templates, and forms at http://Legal.Coach In this episode, I discuss the "Pros" and "Cons" of Bankruptcy and Financial Coaching and how you can decide which option is best for your situation. About John Skiba: John is a Bankruptcy Attorney in the State of Arizona and a certified Ramsey Solutions Master Financial Coach. You can learn more about his practice at

Dave Ramsey's Debt Myths - Divorce & Debt

The typical divorce decree divides up the assets and the debts. Many people have a false sense of comfort in knowing that their ex-spouse was ordered to pay a particular debt. Check out our online tutorials, templates, and forms at http://Legal.Coach In this episode, I tackle debt myths related to divorce and why you may still owe more than you think.

Dave Ramsey's Debt Myths - Should You Pull Money Out of Your House to Pay Credit Card Debt?

In this episode, I continue with series on the debt/money myths discussed by Dave Ramsey in his book The Total Money Makeover. Today we discuss whether it is a good idea to refinance your house or take out a Home Equity Line of Credit (HELOC) to consolidate your credit card debt. Check out our online tutorials, templates, and forms at http://Legal.Coach

Dave Ramsey's Debt Myths - Do I Need a Credit Card to Rent a Car?

In Dave Ramsey's book the Total Money Makeover he discuss various debt myths. In this mini-series of The Consumer Warrior Podcast I discuss the myth surrounding using debit cards for renting cars, hotels, and buying items online. Get online forms, templates, and video tutorials to help you get out of debt. http://Legal.Coach

Dave Ramsey's Debt Myths - Don't Lend Money to Family & Friends

Lending money or co-signing no loans for family and friends can seem like a charitable idea but the danger is real. Forms, Templates, and online debt fighting tutorials http://Legal.Coach In this episode I discuss Dave Ramsey's advice on lending money to family and relatives and share some of my thoughts on this "Debt Myth."

Can I Keep My Car in Bankruptcy?

If you need to file for bankruptcy you have likely had the nightmares of your family being left broke and with all of your assets being seized. Check out our online tutorials, free downloads, forms, and templates to help you get out of debt! http://Legal.Coach One of the most common questions I get in my law practice is if you can keep your car when filing a chapter 7 bankruptcy. In this episode of the Consumer Warrior Podcast I share with you what happens to car loans in the bankruptcy process.

3 Tips for Drafting the Answer in a Debt Collection Lawsuit

Did you know that over 90% of people who are sued by debt collectors don't even respond? This usually results in a default judgment which leads to wage garnishment, bank levy, and a host of other problems. Get forms, templates, and debt fighting tutorials here http://Legal.Coach Default judgments can be avoided by filing an Answer with the court. In this episode I provide you with three (3) tips to help you in responding to the debt collection lawsuit.

Contact & Map
Arizona Consumer Law Group, PLC
7233 East Baseline Road
Suite 117
Mesa, AZ 85209
Telephone: (480) 420-4028