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


Can I Be Put on a “Wall of Shame” or “Blacklist” for Not Paying My Bill?
February 17, 2017

We’ve all seen the Walls of Shame that decorate small business bulletin boards with bounced checks and customer names who never paid their tab. You may have even laughed, but it’s not so funny when you have to contact a debt collection attorney in Clearwater because it happens to you. I’m sure you’ve been wandering in the back of your mind if it’s really legal to do this. When it comes to the law, can I be put on a blacklist or Wall of Shame for not paying my bill? Ask a Debt Collection Defense Attorney in Clearwater About Debt Blacklisting Depending… Read More

Keeping Your Cool when Talking to Debt Collectors
February 13, 2017

Talking to debt collectors can be incredibly stressful. It’s easy to lose your temper or your cool, especially if you’re a victim of debt collection harassment. Follow this debt collection advice for dealing with debt collectors so that you don’t lose your cool and potentially risk your case. Debt Collection Advice on Dealing with Debt Collectors When You Don’t Recognize the Caller Many times, when a debt has been outstanding for a period of time, it will be bought by a debt collection agency. The agency purchases the debt and then attempts to collect the balance, in which case they profit from… Read More

A Fiscal-Friendly Valentine’s Day
February 12, 2017

This Valentine’s Day, don’t break your budget by overspending. If you want to have a romantic and fun Valentine’s Day on a budget, there are plenty of creative ways to save money, so you don’t wind up a victim of debt collection harassment in Tampa. Here are a few fiscal-friendly ideas to make your Valentine’s Day special without emptying your wallet. Have Some Frugal Fun This Valentine’s Day Make Dinner at Home Swap out the fancy night on the town for a home cooked meal. Although this may cost you some money initially, you can pack up the extra ingredients and… Read More

Wells Fargo Lawsuit is the Perfect Example of TCPA Violation
February 6, 2017

People hear about debt collection harassment, but not many people realize just how much trouble a debt collector can get into by exhibiting this behavior. Ask any local debt collection defense  attorney in Tampa- you have rights, and debt collectors must abide by the rules. Just this past July, Wells Fargo finally settled a class action lawsuit for $14.5 million. Wells Fargo Settles for Millions of Dollars for Violating TCPA It all started in April of 2015 when plaintiff Steven Markos filed a lawsuit against the bank for violating the Telephone Consumer Protection Act. The TCPA sets regulations for debt collectors concerning… Read More

Tips for a Successful Bankruptcy Experience
January 27, 2017

When you are in financial strains and filing for bankruptcy, you want the process to go as quickly as possible. There are few things you should know that will help make the process relatively painless. Here are some tips for a successful bankruptcy from a Florida bankruptcy attorney. Tips for a Successful Bankruptcy From a Florida Bankruptcy Attorney Tell the Truth Tell the truth to your attorney, to your paperwork, and of course to yourself. Do you really need the help? If you are unsure if you should be filing for bankruptcy, consult an attorney immediately. It could be that you… Read More

How to Deal When Your Wages Are Being Garnished
January 23, 2017

It used to be a common threat, and still is when it comes to debt collection harassment. The garnishment of wages can impact your entire life by limiting your finances. The truth is, garnishing your wages is an absolute possibility, but it requires a judgment by courts to happen. In the case that there is a judgment, and the courts decide that your debt is owed and open the possibility for wage garnishment, here is what you do. If you search for an affordable bankruptcy attorney near me, you’ll find that there are ways to deal with wage garnishment. Find Out How an… Read More

Reasons your Bankruptcy Could be Denied
January 19, 2017

Was your bankruptcy claim denied? If you are struggling and filed for bankruptcy,there is a chance that bankruptcy claim could be denied. Here are some of the main reasons that bankruptcy claims are denied, according to your local bankruptcy attorney in Tampa. Local Bankruptcy Attorney in Tampa on Bankruptcy Denials Bankruptcy Fraud Bankruptcy documentation is very specific. You may think that “forgetting” to report income or assets will help your case, but bankruptcy fraud will easily get your case dismissed. It can also, in serious cases, result in criminal charges and even incarceration. Make sure you disclose all of your income,… Read More

How to Raise Your Credit Score- Without getting a credit card
January 16, 2017

Having a low credit score can affect your life in many ways. When it comes to rebuilding your credit score, it seems that everyone’s advice is to get a credit card. However, in most cases, if you have poor credit, you only qualify for a secured card. Sometimes a lump sum like that can feel un-doable, even with the best of intentions to improve your credit score. Or, you worry that you won’t be able to monitor your credit card spending. Here are some great ways to boost your credit score without a credit card, from an attorney. Attorney Reveals Credit… Read More

5 New Year’s Resolutions to Improve your Budget
January 13, 2017

It’s the time of year where everyone is taking motivation to the top level, and you can too! Finances are a big part of your comfort level, so make your New Year’s resolution to improve your budget this year. Here are five New Year’s resolutions from your local bankruptcy attorney in Florida that will help you improve your budget. Budget Resolutions from a Bankruptcy Attorney in Florida 1. Clear It Out Clutter is the enemy of financial management. Get rid of the extra papers and junk mail that usually disguise your bills. Throw away paid bills that are over a few months… Read More

Famous Debt Collection Harassment Lawsuits
January 10, 2017

Debt collection harassment is a serious issue, and most importantly, it’s against the law. Most people don’t realize that there is something they can do about debt collection harassment. Here are some individuals who won their debt collection harassment lawsuit, proving that you can protect yourself against debt collection harassment. These People Won Their Debt Collection Harassment Lawsuit Chrystal Snow Chrystal snow of Dallas, Texas challenged a $9,000 debt in Dallas County Court. In addition to the challenge, she counter-sued the debt collector for harassing phone calls. The suit was against Midland Funding LLC, and she was awarded 8.1 million dollars.… Read More