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


Can I still bring a TCPA claim if harassing calls to my cell phone didn’t cost me anything out of pocket?
January 9, 2017

Cell phone harassment is a hot topic in consumer protection law and the Telephone Consumer Protection Act, or TCPA for short, is one of the hottest topics. More and more litigation has started to surround the TCPA; the Supreme Court of the United States has even gotten involved! But let’s take a step back and consider: where does the TCPA come from? What is the TCPA? And what did the Supreme Court say about it? Where did the TCPA come from? The TCPA is a law that is interpreted by the FCC. The FCC (Federal Communications Commission) is overseen by… Read More

A Brief History of Debt Collection
January 2, 2017

Debt collector methods have changed over the years, but debt collection is a tale as old as time. Here’s a brief history of debt collection and debt collection harassment law. Debt Collection Harassment Law Evolved Over Centuries As far back as 3000 BC, we have the first recorded history of debt collection. In the ancient civilization of Sumer, a debtor who was unable to pay a debt would become debt slaves, along with their family and servants. They would be forced to work for the creditor until the physical labor had repaid the debt. This could take years and even be… Read More

Unbelievable Success Stories of People who Declared Bankruptcy
December 30, 2016

If you are looking for a bankruptcy attorney, you probably feel as if you’ve come to the end of the road. Bankruptcy is a last resort for many people. Declaring bankruptcy can leave you feeling discouraged about your future. But bankruptcy can also be a new beginning. Here are some unbelievable accounts of people who declared bankruptcy and went on to become wildly successful. Looking For a Bankruptcy Attorney? You’re in Good Company with These Successful People Walt Disney Chances are you know who Walt Disney is, but just in case, here’s a little background. Walt Disney is a famous cartoon… Read More

The Worst Advice We’ve Heard about Handling Debt Collection Calls
December 26, 2016

When you’ve worked as a debt collection defense attorney for this long, you hear people follow all sorts of bad advice when it comes to debt collection. At the law office of Michael A. Ziegler, we handle debt collection cases all of the time. Here’s some of the worst advice we’ve heard about handling debt collection calls. Debt Collection Defense Attorney Reveals the Worst Advice He’s Ever Heard on Dealing with Debt Collectors “If a debt collector calls you with a debt, you should admit that you owe the debt and let them know you will start paying as soon as you… Read More

Best Blogs to Follow About Debt Collection
December 19, 2016

Getting the fated debt collection call can have a serious impact on your life and financial well-being. It’s important that you not only understand how to avoid debt from happening, but to understand your rights as a consumer, and be equipped with the knowledge it takes to defend them. These blogs will help you stay up to date and on track when it comes to debt collection and debt relief law. Best Blogs on Debt Relief Law and Debt Collection Dear Debt One of the best ways to learn anything is through experience, but that experience doesn’t always have to be… Read More

Budget Tips to Help with Holiday Spending
December 12, 2016

Your finances can take a serious hit around the holidays. If you’re already considering contacting a bankruptcy attorney in Florida, you could be facing a stressful time of year. If you want to make sure that your Holidays are enjoyable and don’t put you into debt, follow these budget tips to help with Holiday spending. Holiday Budget Tips from a Bankruptcy Attorney in Florida Tip One: Make a Budget Sticking to a budget can be easy if you set it early enough and make it realistic. Gifts are a clear choice for your holiday budget, and with enough time in advance… Read More

Why Doesn’t the Do Not Call List Stop Robocallers?
November 28, 2016

The “Do Not Call” list is every consumer’s favorite registry. The goal of the “Do Not Call” registry is to allow people to access one place where they can decline telemarketing calls across the board, instead of asking each individual caller to cease contact. This worked for a long time, and then the robocalls started. Chances are, even if you’re on the “Do Not Call” list, you’re still receiving automated calls. Debt Collection Harassment Attorney in Tampa Covers “Do Not Call” List Basics The FTC (Federal Trade Commission) has prohibited automated calls for telemarketing purposes. However, there are exceptions to… Read More

Common Holiday Scams and How to Spot Them
November 21, 2016

The Holidays are a busy time of year, and people are caught up in the Holiday spirit. For con artists, this is the perfect time to execute the perfect Holiday scam. People are generally more apt to give to charities, conduct easy transactions for purchases, and spend money. Here are some of the most common Holiday robocall scams and how to spot them. Robocall Scams to Watch Out For this Holiday Season Great Deal Scam A blinking link or a high energy phone call advertises a limited time deal that is too good to be true! Most likely, this deal is too… Read More

Student Loan Changes that Help Borrowers
November 14, 2016

Student Loan debt is a big problem in America. It is one of the main contributing factors to debt, according to Attorney Mike Ziegler, so it makes sense that big changes are in order. Here are some recent student loan changes that will help borrowers. Mike Ziegler Reveals the Best Changes for Student Loan Borrowers REPAYE This program, introduced in December of 2015, is the Revised Pay As You Earn program. Borrowers of Federal student loans who need lower monthly payments can now opt for this program. The revised program allows an additional five million direct loan borrowers to obtain relief,… Read More

Chapter 13 Trustees
November 7, 2016

When considering bankruptcy, filing for Chapter 13 in Florida is a viable option for those who are overwhelmed by financial strain. This is for the individual who just wants and needs to get back on track, without losing everything. Chapter 13 allows people with a steady income to develop a payment plan. The payment plan goes to one location. The usual timeline is three to five years. The person filing will repay all or a portion of their overall debt, based on what it is determined will be manageable without worsening their situation. The Role of Trustee When Filing for Chapter 13… Read More