Debt Settlement vs. Bankruptcy in Florida: Cost, Risk, and Timing in 2026

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/* =====================================================
BLOG POST TITLE BLOCK FIX – Applied 2026-03-04
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MOBILE UX OPTIMIZATIONS – March 2026
============================================ */

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Michael Ziegler Managing Partner

Michael A. Ziegler is the Founding Partner at Ziegler Diamond Law, where he represents consumers throughout Florida in complex financial and consumer protection matters. He is a licensed Florida attorney with a focused practice in consumer protection law, debt defense, bankruptcy, and credit reporting disputes. With more than a decade of legal experience, Michael has helped hundreds of individuals defend against debt collection lawsuits, pursue relief through Chapter 7 and Chapter 13 bankruptcy, and enforce their rights under the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws. Michael is admitted to practice law in the State of Florida and is an active member of the Clearwater Bar Association, where he serves as Chair of the Bankruptcy Section. When not advocating for clients, Michael enjoys spending time with his family, camping, and investing in real estate.