Blog - The Law Office of Michael A. Ziegler, P.L.


Understanding the Fair Debt Collection Processes Act
May 16, 2016

If you have debt, there are certain rights that you still have when a collector attempts to retrieve that debt. Understanding these rights will protect you from harassment, illegal debt collection methods, and inappropriate methods of contact. The Fair Debt Collection Processes Act protects consumers by law against these instances. The Fair Debt Collection Processes Act was first passed in 1977, and has been amended periodically to stay current. The act applies to third party debt collectors, who are acting on behalf of the original creditor. Understanding the Fair Debt Collection Processes Act from your St. Petersburg Debt Collection Defense Lawyer… Read More

Debt Collection Harassment St Petersburg – Are You a Victim?
May 10, 2016

At the Law Office of Michael A. Ziegler, we understand how people feel when they are in debt. It can be overwhelming, and seem hopeless. There is help for debt collection harassment St Petersburg. Perhaps this is why so many people do not address the inappropriate and sometimes illegal behavior of debt collectors. Just because you are in debt does not mean you do not have rights. Understanding collection harassment and what it consists of can help you get the assistance you need to stop this activity, and work on a more professional level to alleviate your debt with people who… Read More

Bankruptcy Lawyer Clearwater Says Google Scholar Offers Free Online Case Research
May 2, 2016

As a bankruptcy lawyer in Clearwater, we believe that you should be able to stay informed on your legal situation. That’s why we provide a list of consumer legal resources so that you can research cases similar to yours, and stay up to date on the latest laws. These our resources we will be using to handle your case. Having these resources keeps you from feeling in the dark with your own legal situation, which is a way we never want you to feel. These resources do not take the place of professional legal counsel. We encourage you to utilize them… Read More

Bankruptcy Attorney Clearwater – Advice on Filing for Bankruptcy During a Divorce
April 25, 2016

Divorce is one of the leading reasons that people file for bankruptcy. At the Law Office of Michael A. Ziegler, bankruptcy attorney Clearwater, there are cases that we work with frequently on this level. It’s important to know before you take this action exactly what the logistics and consequences are. Expenses can be overwhelming when you get a divorce. It’s a stressful time, and you are trying to create a new arrangement while handling any existing household expenses. Bankruptcy Attorney Clearwater Gives Sound Advice One of the things you need to consider before filing for bankruptcy is whether to file with… Read More

Local Foreclosure Lawyers Report The Reality of the Florida Foreclosure Crisis
April 21, 2016

If you own property in Florida, you’re probably aware of the Florida foreclosure crisis. Local foreclosure lawyers know this crisis all too well. At the Law Office of Michael A. Ziegler, we handle foreclosures in multiple ways. We prevent them through debt litigation, and stop them through foreclosure defense. As such, we’ve seen the terrible realities of the Florida foreclosure crisis. As a homeowner, being informed is essential so that if you ever get into a situation that could result in foreclosure. It’s important for you to understand the reality of this situation and know who to contact for help. How Can… Read More

Stop Foreclosure – How Debt Litigation Can Help You Recover
April 13, 2016

When you are in debt and want to stop foreclosure, it can seem to come from nowhere. The debt continues to build, and without resolution it can become overwhelming. Having a history of debt can ruin your life. It can become impossible for you to receive any type of credit, and sometimes even affects your opportunities for employment. Hiring the Law Office of Michael A. Ziegler can help you recover from debt and get your life back. Different types of debt call for different methods of litigation to resolve the. That is why it’s important for you to hire an experienced professional… Read More

Mortgage Refinancing Vs. Mortgage Modification
April 5, 2016

If you are struggling to pay your mortgage, you might already be considering mortgage refinancing or mortgage modification. They are two different things. Mortgage refinancing replaces the existing loan with a new one but with different terms. Mortgage modification changes the existing loan terms. They may sound the same but the benefits and disadvantages are different for each. You can consider mortgage refinancing if any of the following are true: Better interest rates are available You want to change the length of your loan Changing from a variable-rate to a fixed-rate loan You need cash from your home’s equity Your… Read More

Consumer Rights: Consumer Protection Laws
March 29, 2016

Consumer protection laws are a form of government regulation. The Federal Trade Commission (FTC) enforces several of these laws. They make sure the rights of consumers and businesses are protected in the marketplace, and help prevent exploitation. These laws exist primarily to protect the consumer. A consumer is someone who buys goods and services for direct or personal use, not resale. Sometimes, these laws aren’t enough, and lawsuits get filed when consumer rights are violated. In the event your rights are violated, you may need to seek legal counsel. The Law Office of Michael A. Ziegler, P.L. may be able to help.… Read More

Predatory Lending
March 22, 2016

Predatory lending is the use of unfair, deceptive, or fraudulent practices by a lender during the loan process. Predatory lending specifically targets the less educated, the elderly, the poor and minorities. In reality, anyone can be a victim of this practice. These lenders make huge profits by taking advantage of a person’s ignorance on how loans work. For example, a lender will lead a borrower to believe the interest rate is lower than it is, or that it can be easily repaid. These loans are usually backed by collateral like your car or home. When the loan goes unpaid, the… Read More

Debt Relief: Litigation and Negotiation
March 15, 2016

Despite signs of an upturn in the economy, for many Americans, debt continues to be a problem. Financial stress will wear you down to the point that you may believe there is no hope of recovery. Not being able to keep up with your debt financially takes a toll on your life. This includes your health, ability to focus at work, and quality family time. If you are struggling, it can be an asset to hire legal counsel skilled in debt negotiation and litigation to help. The Law Office of Michael A. Ziegler, P.L. focuses on debt negotiation and litigation. Our… Read More