Credit Card Defense Lawyer Tampa, FL

What Can a Credit Card Defense Lawyer in Tampa, FL Do For You?

Credit Card Defense Lawyer Tampa, FL

Get Out of Debt, Gain Control of Your Finances, & Find Relief with the Help of The Law Office of Michael A. Ziegler, PL

At The Law Office of Michael A. Ziegler, PL we have been working with men and women, as well as businesses, to find debt-relief solutions that are both practical and strategic. As a respected credit card defense lawyer Tampa, FL residents can count on, we may be able to help you avoid the foreclosure of your home, the repossession of your  car and property, wage garnishment, creditor harassment, and a lawsuit. If you are struggling to pay off your credit card debt, and other debts, and are ready to consider alternatives, please call a credit card defense lawyer Tampa, FL has to offer now. 

Credit Card Debt is Tough, But it Doesn’t Have to Be

Being unable to pay your bills can be extremely stressful. When you don’t pay, the debt will accumulate and eventually lead to, what seems like, non-stop calls from creditors who want their money. They may say things you don’t want to hear and put pressure on you to get your bills paid. Eventually, you might feel scared to open your mail or answer the phone. The financial strain could have a toll on your emotional well-being, your relationships, your sleep, and your overall health. As a credit card defense lawyer in Tampa, FL, we want you to know that it doesn’t have to be like this. 

Under U.S. law, it is your right to take control of your debt and secure a better financial future. On average, 800,000 individuals and businesses will choose to file for bankruptcy each year. These people are from all backgrounds and income levels. You can join these people and get back on the right track. We, at The Law Office of Michael A. Ziegler, PL, would like to invite you to call a credit card defense lawyer Tampa, FL trusts for a complimentary consultation today. 

Stop the Chances of Foreclosure, Repossession, and a Lawsuit

Once you have filed for bankruptcy, your credit card debt lawyer will send a notice to all creditors who must, by law, cease any actions to collect the money owed to them. They cannot send you notices, contact you, garnish your wages, or enforce a legal judgement. Depending on the circumstances of your case, if the bank is trying to repossess your home, a bankruptcy lawyer might be able to stop this process. 

What Can a Credit Card Defense Lawyer in Tampa, FL Do For You?

In this day in age, it is almost too easy to obtain an enormous amount of debt. Just about anyone can get numerous credit cards, high-interest rate loans, make big purchases with no money down but high monthly payments. All of these things may seem like a great idea and are easily obtained, but they all have to be paid back… usually with interest. It can be quite humbling and embarrassing to realize you are in so deep that you do not know how to get out from under debt.

Contact a credit card defense lawyer from the Law Office of Michael A. Ziegler, PL today. We will help guide you in the process. The decision to file for bankruptcy is just the first step. Our credit defense attorney can provide you with information on the different types of bankruptcy that you can file, and give you advice on which type makes sense based on your particular situation. The Law Office of Michael A. Ziegler, PL has extensive experience in bankruptcy law which means we appreciate the stress of this process on our clients and we pride ourselves on handling each case with tact and professionalism.

Types of Bankruptcy

Chapter 7

Chapter 7 is in place for the person who has low income but has generated high debt due to things like student loans, medical bills, and credit cards. The result of filing Chapter 7 is the liquidation of assets. An experienced credit card defense lawyer can determine if your situation qualifies for Chapter 7 bankruptcy.

If I file for Chapter 7 bankruptcy, will I lose all assets?

You will likely lose non-exempt assets in the liquidation process.

Chapter 13

Rather than liquidating assets, Chapter 13 adjusts your debt in an effort to assist you in repaying what you owe. Depending on your income and debt, your payment plan will vary. The length of the payment plan is typically over the course of a few years, again, the time-frame depends on your specific situation. An experienced attorney can determine if your situation qualifies for Chapter 7 bankruptcy.

If I file for Chapter 13 bankruptcy, will I lose all assets?

Depending on your specifics, you may not lose assets such as your house. Each payment plan associated with Chapter 13 is situation based. An experienced attorney can help guide you.

Information you will need to determine which chapter to file

Income information such as any pay stubs and tax return information for the last few years. Evidence of your spending history. A list of all assets including personal property, real estate, stocks, and bonds. You should also have documentation of all debt including medical and credit card bills, student loans, car loans, and any mortgages.

Strategies for Getting Credit Card Debt Under Control

As a credit card defense attorney Tampa, FL, we understand that you may be in need of some strategies to get your debt under control. According to reports by the US Census Bureau, the average debt carried by American households today nears $140.000. Because of the growing debt load carried by many, more and more Americans are using credit cards as a way of supporting their lifestyles. Facing momentous debt can feel endless. Paying off high interest credit cards and loans can seem impossible. When all is said and done, debtors may end up paying significant amounts of interest. Debtors who have found themselves over extended financially, unable to cover their minimum payments or default on their loans altogether.

If you are receiving harassing calls from creditors, it can be easy to feel completely hopeless over your situation. A credit card defense lawyer Tampa, FL may be able to help protect your rights and manage creditors so that you may be on your way to better financial standing. Here are some strategies for regaining control of your credit card debt:

Strategy #1 Evaluate Your Debt

Prior to making any decisions regarding how you will pay off your debts, it’s important to first review your debts, interest rates and minimum payments. You will need to look at the full picture prior to consolidating debts. Knowing exactly how much you owe is the start to developing a plan.

Strategy #2 Transfer Balances to a 0% Interest Card

Consider reviewing your debts and determine if you have the ability to cover them under a low interest or 0% interest credit card. Transfering all credit card balances can save you money in the long run. While this can be a viable way of paying debt off, or, at least down, bear in mind that most cards only provide you with zero percent interest for a period of time. After the grace period, interest rates can often change, meaning it’s important to carefully research this and create a plan prior to transferring balances.

Strategy #3 Start with High Interest Cards First

The longer you carry balances on high interest credit cards, the more money you stand to throw away to interest rates. Put as much as possible towards the principal balance on your cards to pay them off as quickly as possible.

Strategy #4 Consider Debt Consolidation

Personal loans or credit card consolidation loans may be an attractive option for many who carry credit card debt. Personal loans can not only help in saving on interest, but also in paying debts off quickly. Many loans can be paid off within 7 years.

Eliminating credit card debt may seem as though it’s completely out of reach. However, with a clear plan, it’s possible to begin to regain the breathing room you once had. For those who have defaulted on loans or credit card payments, it can feel as though there is no way to dig yourself out of the hole that you find yourself in. Incorporating some of the above strategies may be a useful place to start. Additionally, working with a credit card defense lawyer Tampa, FL may help to protect your rights and negotiate with lenders so that ultimately, the harrassing calls come to a stop.

Why You Should Contact the Law Office of Michael A. Ziegler, PL

The idea of bankruptcy can be complicated and overwhelming. You may be feeling desperate and stuck between a rock and a hard place. The Law Office of Michael A. Ziegler, PL is here to help you during this difficult time. Our team of attorneys is not only committed to the legal process of each client’s case but in providing knowledge on the process, we provide our clients with relief and a plan to move forward with his or her life. We may be able to help you get through this. Contact the Law Office of Michael A. Ziegler, PL today for a free consultation with a credit card defense lawyer Tampa, FL clients depend on.

How We Can Help You

By choosing the Law Office of Michael A. Ziegler, PL  to be your credit card defense lawyer Tampa, FL prefers, you can feel confident in knowing that we:

  • Are a team that endeavours to educate, assist, and guide every client through the legal process
  • Are ready to help you understand your legal rights
  • Will review your case in full and give you an honest, practical opinion on what we believe is best for you
  • Are very experienced and dedicated to our profession
  • Will help you to know what you can expect during the process
  • Will be your voice at any court hearing 

Are You Interested In Learning More About Filing for Bankruptcy?

If you are ready to get out of debt and rebuild your financial future for the better, filing for bankruptcy may be a good idea. To explore your options, give a credit card defense lawyer Tampa, FL residents rely on from the Law Office of Michael A. Ziegler, PL a call. 

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Clearwater: (727) 538-4188 | Tampa: (813) 225-3111