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


Apps to Help You Organize Your Finances
October 24, 2016

If you are having trouble with your finances, things can seem to be out of control. Thankfully, this is the technological age. These days there is an application for everything. You can basically run the world (or at least your household) right from your phone! Here are some of the best apps, recommended by modification attorneys in Tampa, that are available to help you organize your finances. Modification Attorneys in Tampa Recommend These Apps for Financial Planning Mint Mint helps you track your finances in multiple ways. It keeps track of your spending, organizes your bills, and lets you set money… Read More

Preparing Your Life for Bankruptcy
October 17, 2016

Bankruptcy can be life-changing, and while most of the changes in your life are meant to benefit you, lack of preparation can make the transition somewhat difficult. Having a professional to oversee and guide you through the bankruptcy process is essential. Here are some professional tips from your bankruptcy attorney in St. Petersburg, Florida for preparing your life for bankruptcy. Bankruptcy Attorney in St. Petersburg Florida Helps you Prepare for Bankruptcy Reviewing all of your credit reports is a good step when you are filing for bankruptcy. This gives you an idea of where you currently stand. You can begin to monitor… Read More

What Your Credit Score Means?
October 10, 2016

We’ve all heard about the daunting measurement of responsibility- the credit score. Fear of damaging your credit score can cause you to lose sleep and stop you from doing things that may actually help your credit. Here’s a basic guide to understanding what your credit score means. Attorney Mike Ziegler Explains Your Credit Score Your credit score is a number that can range from 350-850. It’s important to know that different sources will use different types of credit scores. Sometimes this can affect the measurement of your score. Make sure that you use the same type of scale each time… Read More

How to Prepare for Temporary Unemployment?
October 10, 2016

Being out of work is one of the main reasons people go into debt in America, according to our debt collection defense attorney in Florida. Sometimes, unemployment comes unexpectedly. Other times, people know they will be temporarily out of work based on the time of year, circumstances, or personal choice. In any situation, you should always be planning for temporary unemployment, so that you are prepared in case of a change to your income. Debt Collection Defense Attorney in Florida Explains Preparation for Unemployment In order to plan for temporary unemployment, you should have a healthy savings account at all times.… Read More

How to Request More Information About a Debt?
October 3, 2016

When debt collectors come calling, you have specific rights that need to be upheld. One of these rights is to request detailed information about the debt. Believe it or not, you may have debts out there that you don’t remember, or aren’t sure about. Sometimes, if a debt is sold to a debt collection company, or many, it can take a long time for them to obtain your information and reach out to you. Local Lawyer Offices Discuss Your Rights Concerning Debt Collectors Some debts are larger and have gone through multiple companies. In this case, where the debt has been… Read More

Top Reasons People Go Into Debt in America
September 30, 2016

If you are reading this blog because you are in debt, you’re not alone. Many Americans are in debt, and you may be surprised to know that many of them are in debt for similar reasons. Debt can be daunting, and you could be looking for a Clearwater bankruptcy attorney if you don’t take measures to avoid it getting out of hand. Here are the top reasons that people go into debt in America. Clearwater Bankruptcy attorney explains common American debt Lack of understanding is a major cause of debt, particularly with credit cards. A credit card can sound like a great idea. Credit card companies… Read More

How Filling for Bankruptcy Affects your Home?
August 29, 2016

The law office of Michael A Ziegler handles tcpa debt collection, bankruptcy cases, and debt collection harassment. We always advise people to do the best they can to get out of the debt that they are in, and we try to come up with a solution to make this happen that works for you. One of the more extreme solutions is filing for bankruptcy. Most people’s prime concern when filing for bankruptcy is buying a home, or how the bankruptcy will affect your current home. How Filling for Bankruptcy Affects your Home? Bankruptcy affects your home in multiple ways. One of… Read More

Lies your Debt Collector will Tell You
August 22, 2016

Debt collection agencies have one goal in mind- to collect the debt that is owed by any means possible. This is how they make money, and their staff is trained to settle the debt as quickly as possible. There are laws and regulations that agencies are told to follow by the legal system. Ideally, they share these regulations with their employees while training, but they are also training them to collect the debt. Many debt collection agents will lie, bargain, and even violate the law in order to collect your debt. How Do I Qualify for Bankruptcy? These lies can… Read More

Buying a Home with Poor Credit
August 15, 2016

When your credit score has suffered from debt, there are many things that can be impacted. As your local lawyer near me the Law Office of Michael A. Ziegler continuously works with people that have found themselves in debt. One of their major concerns is how their credit will affect buying a house. Your credit score is impacted by your payment history, debt to credit ratio, amount of credit history, and new credit. Mortgage companies take all of these factors into consideration. Poor credit can have an impact, but there are steps you can take to try and beat the barriers created… Read More

Ziegler Law Firm Shares Debts not Covered by Bankruptcy
August 8, 2016

Declaring bankruptcy is a tough decision, and it’s important to be fully informed before you make that choice. Ziegler Law Firm handles bankruptcy cases frequently. We know that debts will be resolved to some extent by declaring bankruptcy, but bankruptcy doesn’t handle everything. Bankruptcy is a decision people make when they are overwhelmed by debt. There are some debts that are not covered by bankruptcy. Ziegler Law Firm Shares on Bankruptcy Debt Child support and alimony are never discharged in bankruptcy. Child support is considered a priority debt, and goes to the top of the list of debts to be paid. Being… Read More