We understand the situation you find yourself in. We know the stress and fear that being in financial stress can bring into your life.
You can’t sleep at night. The endless phone calls of debt collectors is disrupting your life. You fear that you’ve failed because of your debts.
We understand the feeling of wishing your financial problems will go away only to wake up every morning with everything getting worse.
We understand that you probably feel alone with no one who can actually help you solve your financial problems.
We understand because we have helped many of our clients just like you.
Many clients who once stood in your shoes, felt your pain but now are free.
Free to dream again. Free to build a financial future and free to live a stress free life.
We helped them make the critical decisions around bankruptcy and then implement a plan that gave them back their life.
If you want to speak to someone who understands, cares and can help you solve your problem, then book a call with one of our attorney’s today.
We can help.
Let me start with the bad news – bankruptcy stays on a credit report for up to 10 years. But keep in mind that a credit report is about a lot more than bankruptcy, and when the bankruptcy process clears your debt, it gives you an opportunity to rebuild instead of being stuck with accounts that have a late balance.
While each credit profile is unique, here is what we generally find:
When you find yourself in a financial crisis, you may be wondering what you can do to plan ahead. Should you sell your house? Should you move in with a friend? Would filing for bankruptcy help your situation? Many people are hesitant to file for bankruptcy because it can feel like personal and financial failure. However, bankruptcy is a great tool to use when you need to eliminate and/or reorganize debt.
Our bankruptcy lawyers at The Law Office of Michael A. Ziegler, PL understand the hesitation you may have when it comes to filing for bankruptcy, but it is possible for you to plan ahead to get more comfortable and understand how the process works. We can work with you to determine how you should be budgeting, how you should time your bankruptcy filing, and to see what kind of exemptions there may be.
This may sound like something you would not need to do. Shouldn’t bankruptcy pull you out of debt once you file? However, it takes more planning than that. If you have been able to pay off some of your debt to creditors and are still actively making payments, you may no longer be required to do this after filing for bankruptcy. That now leaves you extra money to budget for yourself each month. When a creditor’s debt will be discharged, such as medical bills and credit card debts, we may encourage you to stop payments.
You may think it is good that you can pay off as much debt as possible. However, once we determine which debt will be discharged it is, frankly, a waste of your money. It is better to use that money to pay off any child support payments you may have missed or your mortgage.
Pre & Post Bankruptcy:
While bankruptcy can provide tremendous benefits, filing without the proper guidance from a bankruptcy lawyer at The Law Office of Michael A. Ziegler, PLcan be devastating. In fact, without the help of a bankruptcy lawyer in Clearwater, consumers might find themselves worse off than before!
Bankruptcy has numerous requirements under State and Federal law. Additionally, a bankruptcy petition requires a substantial amount of documentation. If the paperwork is not properly completed, a consumer may be forced to turn their property over to the bankruptcy court when they may not otherwise have been required to do so. Even worse, the consumer’s case may simply be dismissed.
Hiring a bankruptcy lawyer helps ensure your rights are upheld. You stand the best possible chance of securing financial stability with the assistance of a professional.
We have filed bankruptcy cases under both Chapter 7 and Chapter 13 of the United States Bankruptcy Code. With years of experience as lawyers for bankruptcy, we have adequate knowledge of both state and federal regulations. During the initial meeting, we’ll determine if you meet the bankruptcy qualifications.
The content of this page is general information for educational purposes only and does not constitute as advice for bankruptcy. You can reach our law firm at (727) 538-4188. To meet with a qualified lawyer for bankruptcy insight at The Law Office of Michael A. Ziegler, PL simply fill out the form to the right or give us a call.