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


When a Car Accident Leads to Bankruptcy
November 20, 2018

Bankruptcy Lawyer Tampa, FL Being involved in a car accident can be both financially and physically devastating. To make matters worse, you may find yourself in serious financial crisis if the accident was deemed at least partially your fault. If you did not have full coverage or could not afford to have insurance at the time of the accident, you may be left struggling to overcome this financial setback. Many people in such a situation, may consider meeting with an attorney about filing for bankruptcy. Factors of the Accident If you were decidedly responsible for the car collision and cannot… Read More

Mortgage Companies Creating Hurricane Irma Forbearance Default
April 17, 2018

Residents of Pinellas, Hillsborough, and Pasco County and throughout the State of Florida know about the problems created by Hurricane Irma in September, 2017.  Some of the destruction left by Hurricane Irma was visible – fallen trees and broken fences.  But other impacts of the hurricane came by way of hits to the wallet – many Florida Residents lost time at work, and had trouble with making payments on their bills. FHA Insured mortgages have particular protections to help consumers avoid default and foreclosure as a result of a hurricane. The mortgage companies are required to make accommodations:  The mortgage companies are obligated to give the consumer the option… Read More

Consumer Protection Laws Have Teeth
March 27, 2018

A new Netflix series, “Dirty Money,” shows that consumer protection laws have some seriously sharp teeth to bite into creditors. Dirty Money’s second episode, “Pay Day,” follows the real life story of a man that’s a racecar driver by day and a payday-lending predator by night. It is unbelievable to watch the payday-lending scheme unfold during the episode. The scheme starts with a consumer borrowing a certain amount of money for a short-term loan. Seems normal, right? The payday loan documentation spells out the amount borrowed, the finance charges, and how much the consumer can expect to pay over the… Read More

The Option of Filing For Chapter 7 Bankruptcy to Get Out of Debt
July 18, 2017

Filing for bankruptcy is usually not on the average person’s to-do list, but it is something that may need to be done. There are times when people find themselves dealing with so much debt that they simply cannot afford to pay off. If they are dealing with a serious financial burden, filing bankruptcy could be the most suitable option. A person may use numerous credit cards with the intention of paying the minimum on those cards. However, high interest rates and other types of debt could quickly make it even more difficult to pay everything off within a reasonable amount… Read More

Proving Liability In An Auto Accident Case
June 21, 2017

When someone is involved in a car accident and they have to file an auto accident claim, it is necessary to determine who was at fault for causing the wreck. Determining liability has a profound impact of both parties involved in an accident because the liable party’s insurance has to cover the other party’s damages. The driver determined to be at fault for the accident may also face additional criminal penalties or fines depending on the circumstances involved. It is important to show that the other driver was negligent in their actions when proving that the fault lies with the… Read More

Affordable Ideas for Day Trips in Florida
May 19, 2017

Summer is right around the corner, so you must be looking for a great way to enjoy the beautiful weather without breaking the bank. Well, there are a lot of activities around Florida that can be fun and exciting and won’t cost you an exorbitant amount of money. Whether you’re planning to hang out with friends, invite your family for an adventure, or spend some time on your own, there are a lot of fun things you can do when you visit Florida. Here are some money saving tips from Florida bankruptcy attorneys for mini-vacations in Florida. Take the Advice of Florida Bankruptcy… Read More

How Do I Get Debt Collectors to Stop Calling My Job?
May 15, 2017

Everyone incurs a debt at some point in their lives, and as much as they want to take responsibility for it, there are moments when debt collectors make it inconvenient for them. One of the most challenging and embarrassing obstacles is when debt collectors start calling their place of employment. Not only are they now invading your personal space, they could also affect your professional standing and reputation. Stop Debt Collection Harassment at Work Incurring a debt does not strip you of your rights, nor does it allow debt collectors to strip you of basic respect – especially when it comes… Read More

Important Things To Know When Contemplating A Divorce
May 14, 2017

Preparing for an impending divorce is an important step before initiating the divorce process. The more information you have, the better prepared you are for the long and arduous road ahead. People generally do not know much about divorce. In starting the divorce process, they don’t have a clue what it long term actually means for them, their family, and their future. Preparing for a divorce helps them to get ready for what is an emotional and oftentimes painful experience. People should be able to make well thought-out decisions rather than rash decisions driven by their tumultuous emotions in order… Read More

Things You Shouldn’t Do If You’re Considering Bankruptcy
May 12, 2017

Filing for bankruptcy is hard enough as it is. Sometimes it can’t be helped if you find yourself in a difficult financial situation. If you’ve already considered all other options, and declaring bankruptcy is the only way out of your debts, then you should prepare for the process with the help of a Florida bankruptcy lawyer. Don’t Do These Things if You’re Considering Bankruptcy, Says a Florida Bankruptcy Lawyer Before you do anything, you need to know the detrimental financial moves that can make filing for bankruptcy even harder. To help you navigate this process, here some things you should definitely… Read More

Are You Behind on Your Mortgage? Here’s How to Handle It
May 8, 2017

When someone signs a mortgage, they are optimistic that they can make it. At the end of all the payments, they will have their own space, free and clear of debt. However, things don’t always go according to plan. For people who are behind on their mortgage – especially with threats of foreclosure, it can be a terrifying experience. To help you navigate your way through the process, here’s what you should do when you’re behind on your mortgage payment, according to a Florida foreclosure attorney. Florida Foreclosure Attorney Reveals the Steps to Take if You’re Behind on Your Mortgage Negotiate… Read More