Bankruptcy Attorney Clearwater FL
Testimonials from former clients of Mike Ziegler – a bankruptcy attorney Clearwater Fl – paint the picture of a savvy legal professional who can be trusted to provide both straightforward advice and aggressive representation.
Common to all the testimonials is an appreciation for Mike’s ability to solve complex problems, and for his willingness to be flexible in the legal solutions that he offers to his clients.
Mike Ziegler can potentially help you if you are thinking about filing for bankruptcy as a way out of your current financial struggles.
Bankruptcy is a powerful tool that can be used to restructure a person’s debts or, in many cases, eliminate them altogether. He handles consumer bankruptcy cases, meaning that he represents individuals as opposed to business entities or governments.
If you fall into the consumer category and are experiencing difficulty managing your debts, whether it’s because of job loss, divorce, extended illness, or any other reason, your path to a brighter financial future can start with a phone call or e-mail to Mike Ziegler, an experienced bankruptcy attorney who helps people file under either one the following two bankruptcy chapters:
- Chapter 7 – If you qualify to file for under this chapter, many, and maybe even all, of your debts can be cancelled so that you are able to obtain a fresh financial start.
- Chapter 13 – Filing under this chapter generally is reserved for higher-income individuals who own property they wish to hold onto. Over a three-to-five year period, their debts are gradually repaid under the full supervision of a federal bankruptcy court.
Finding a well-qualified bankruptcy attorney in Clearwater, Florida – one who may be able to help you achieve financial stability through the process – is easy. Simply call, e-mail, or visit the Law Office of Michael A. Ziegler, P.L.
Mr. Ziegler is an experienced bankruptcy attorney who assists both individuals and married couples in filing for bankruptcy under Chapters 7 and 13 of the U.S. Code.
After personally reviewing and evaluating your financial information, Mr. Ziegler will help you determine the best course of action. Though filing isn’t right for everyone, when used appropriately, the process can be a powerful tool for reducing or eliminating the types of “problem” debts that may be keeping you awake at night.
Filing for bankruptcy might be a good option if any of the following factors apply to you:
- You have many debts that you are struggling to pay due to an unexpected drop in income or other circumstances beyond your control
- Your wages are being garnished
- You frequently receive phone calls or letters in the mail from creditors demanding payment
- You are being threatened with the foreclosure of your home
Due to the complexity of the bankruptcy process, seeking help from an experienced bankruptcy attorney is prudent. Because it constitutes much more than simply completing a few forms, the process of filing for Chapter 7 or Chapter 13 bankruptcy is best handled by a licensed attorney. You can read our Bankruptcy FAQ here.
Mr. Ziegler is a local bankruptcy attorney who is ready to help individuals in Clearwater, FL, and the surrounding area through this multi-faceted process. He possesses extensive knowledge of both federal and state bankruptcy laws and regulations, and is committed to providing cost-effective legal services to local consumers who desire to proactively address their debt-related problems.
Mr. Ziegler, who founded his Clearwater law practice in 2012 exclusively to serve the legal needs of local consumers, is a knowledgeable attorney who can ensure that your rights are fully protected.
For more information, please contact Mike Ziegler, a bankruptcy attorney Clearwater FL, who is highly experienced at devising successful legal solutions to various kinds of debt-related problems.
If you’ve worked with your bankruptcy attorney in Clearwater FL, you probably know the risks and rewards associated with declaring bankruptcy.
Declaring bankruptcy is a major life decision. It can be appealing to those who have a serious amount of debt that has become unmanageable.
However, once you’ve declared bankruptcy and taken the proper action, you may be wondering what comes next. Here are a few things you need to know about starting over after bankruptcy.
Our Bankruptcy Attorney Clearwater FL Gives Sound Advice
Rebuilding means that you will probably want to cut down on extra spending in a major way. This is especially true if you are still paying off debts.
Try to think about what it is you spend your money on. Is it going out to eat? Why do you enjoy it? Maybe you can commit to grocery shopping and try some new recipes at home, or, if it’s the social aspect you enjoy, start a dinner club with your friends so that you rotate making dinner for each other.
Are you buying expensive electronics, or shopping for the latest clothing? Ask yourself how you can cut down this area of your life, and even give it up altogether.
Remember, once you have your debt under control and you’ve learned how to manage your budget, you can begin saving for the items you possibly used to borrow money for. Teach yourself to lead a simpler lifestyle, and you’ll be surprised how much money piles up- and how quickly!
Staying Focused & Consistent is Key
Once you’ve made it over the initial hurdle, and your spending is under control, you want to focus on rebuilding your credit.
You may someday have an emergency, or want to buy a home, so credit is still important even if you’ve sworn off credit cards.
Open up a bank account with a credit union, or a trusted local bank. Make regular deposits to your account. It is best if you can open a checking and savings account, to get into the habit of organizing your money.
When you feel that you have control over your money management, apply for a secured credit card. A secured credit card takes a cash deposit from you as a safety precaution, and then gives you a small spending limit.
It is designed to give you some financial freedom, without putting you or the bank at risk. It will also help you slowly build your credit, so use it for small purchases and pay off the balance each month when the statement arrives.
Check your credit report regularly to watch your credit score. There are indications there that will help you determine how to best build up your score again.
Speak to your bankruptcy attorney Clearwater FL if you are unsure where to begin, or what steps to take. Knowledge is the first step to gaining control, so knowing your credit score and where you stand will help you rebuild and recover.
Declaring bankruptcy is not the end. Instead, it is a fresh beginning. With the right mindset and dedication, you can rebuild your life, your credit, and your financial future.
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Clearwater: (727) 538-4188 | Tampa: (813) 225-3111