What does it mean to get your life back from overwhelming debt? Is it being able to support your family? Or to answer the phone again without fear of a debt collector? What about stopping wage garnishment? Or reaching a dream of one day being able to save to buy a home without worrying that your savings will be taken from your bank account by a judgment collector? Our approach to debt problem-solving is different - let me tell you why. My name is Mike Ziegler. I am the managing attorney for the Debt Fighters. We are a law firm exclusively committed to helping people get control of serious debt and get back on track. Our Debt Freedom system is a different approach to help consumers get relief from overwhelming debt on a budget they can afford. Here is our Process First, we develop your personal Debt Freedom Strategic Plan. We are going to look at all of your options for debt relief - such as chapter 7 bankruptcy, chapter 13 bankruptcy, debt litigation defense, and debt consolidation - and offer the recommendation that is most advantageous to you based on our experience. Second, we monitor your rights to protect from Debt Collector Harassment. State and Federal law say you are entitled to protection from aggressive debt collection, even if you are behind. A debt collector can't call you constantly or at odd hours, they generally can't call third parties about your debt, and they can't call your employer about your debt unless permitted by a judgment. And when you have retained an attorney to deal with your Debts, they can't call you at all! Third, we execute your Debt Freedom Strategic Plan. Our goal is to get rid of your debt, either seeking a discharge in Chapter 7 bankruptcy or setting up a payment plan that fits your budget in Chapter 13 bankruptcy or debt consolidation. Finally, we help get your credit back on track. We review your credit report after the bankruptcy or payment plan is complete, to make sure you get the credit reporting benefits you are entitled to, and we give you the tools to help your credit score rehabilitate as fast as possible. Life Happens Every client we work with has had "life happen." For many of our clients, their difficulties have been tied to problems on a national scale - the financial crisis or more recently, the financial impacts of the coronavirus. But many others have had their battles on a more personal level - loss of wages, divorce or other changes in family circumstance, or a major health issue to name a few.
