Debt Relief Clearwater FL
Debt Relief Clearwater, FL
When you are looking for debt relief Clearwater, FL residents recommend, you can turn to the trusted attorneys at The Law Office of Michael A Ziegler, P.L. We understand that the economy has gone through many hard times and we know that you may be suffering because of it. We have helped many clients who have fallen into debt and we are here to help you as well. Having a Clearwater, Florida debt relief attorney on your side could make the difference in coming out of debt or sinking even deeper. If you would like to schedule a consultation with our debt relief attorney, please give our office a call when you are ready. We know that this could be a big step in getting out of the debt that is weighing you down.
Debt collectors are harassing me and will not leave me alone. Is there anything I can do?
Especially when you do not have an attorney, debt collectors will use this against you. They know you likely do not have the negotiating experience and understand bankruptcy and debt relief law. However, it is important to know that you have rights and when you work with our attorneys, we will help get you out from under the thumb of debt collectors.
Does Clearwater, FL debt relief affect my credit?
Debt relief can affect your credit. Some people choose a debt relief plan that includes making a payment plan. When this is the case, you will need to make certain payments at a given time to your creditor(s). When you do this, it is important that you do not miss a payment or make a late payment. Filing for bankruptcy after this or failing to make the agreed payments can negatively affect your credit.
What if I want to negotiate with creditors without the help of an attorney?
You are legally allowed to do this if you would like to. You are not required to have the help of a Clearwater, Florida debt relief law firm. However, we believe that we can be a valuable asset to you during this time because we can negotiate with creditors on your behalf and have done so for our clients many times.
Debt Settlement May Be Right For You
When you want debt relief, you may want to learn more about debt settlement. Also known as debt negotiation, this is the process where your attorney can work to not only reduce the total amount you pay on your debt but also allow you to pay it all in one lump sum. If this is not possible, you can speak with your attorney about paying it off in multiple payments, though this is not as common. You may be wondering why a creditor would be eager to settle your debt instead of letting interest continue to increase. The truth is, when you get into debt this bad, most creditors know that you will not be able to dig yourself back out. At that point, interest earned won’t matter if you declare bankruptcy. However, if you and your attorney argue for a settlement, it is better for them to get a lower amount than risk getting nothing if you go bankrupt.
Why doesn’t everyone choose to settle their debt?
Debt settlement is not as simple as asking for a lower payment. You must speak with your attorney candidly when it comes to how you got into this debt. You want to show that you have had a financial hardship that has made it impossible for you to pay your debs.
A debt collector implied that they could arrest me or that they work for the government. What if this isn’t true?
Call us immediately if you have been speaking with a debt collector who has wrongly implied that they work for the government and can arrest you or who has made threatening statements to get you to try and pay your debt off. Debt collectors can get in contact with you to speak about your debt but they cannot make threats and they cannot provide false information to try and get you to pay off your debt.
What else should I look out for when a debt collector calls me?
When a debt collector calls you, they should always identify themselves and which company they are with, they should never physically or verbally threaten you, and they cannot advertise the debt you are in. When you get off the phone with them, you should take notes of anything unusual or suspicious that occurred when you talked with them and speak with your lawyer about the conversation.
How can negotiating my debt help?
When you are wondering if you should have a debt relief lawyer, you may be wondering what the advantages are. Many people who are in debt may think that hiring an attorney to help them is more trouble and cost than it is worth. However, you may find that your debt relief attorney can take a great burden off of you and will be able to help you successfully negotiate with creditors and credit agencies. If you want to learn more about how we can help you with debt relief, contact our office to set up your first appointment. We want to help get you out of debt as quickly as possible so that you can move on with your life.
There are many people who are not in a position where their debt is so bad that they need to file for bankruptcy to cover it or erase it. In fact, a large portion of people in debt still have jobs but are just barely unable to cover their bills and payments every month. This means that while you may not be missing a payment on everything, some bills begin to add up month after month and you are unable to keep your head above water. When this happens, negotiating your debt may be the right option for you. Your attorney can:
- Validate the debt you owe. When it comes to asking you to pay a debt, creditors often have no shame in harassing you or making you feel like you owe more than you do. Your debt relief attorney can make sure that you have the information of the person and company reaching out to you about the debt as well as the precise number you owe and what the interest rate is.
- Write a cease and desist letter. Your attorney can help stop the collectors from calling and can make sure that future calls go through them, not directly to you.
- Go through the negotiation process. As noted above, the higher your debt is, the more the creditors will want to negotiate your debt. If you get into a place where you are unable to pay and must declare bankruptcy, they will not see the money you owe them. Instead, when your attorney negotiates payment with them, they know they have a higher likelihood of getting paid.
Who can I call for help?
When you are looking for debt relief in Clearwater, Florida after you have been struggling with debt problems, call The Law Office of Michael A Ziegler, P.L. to see how we can help you
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Clearwater: (727) 538-4188 | Tampa: (813) 225-3111