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Common Holiday Scams and How to Spot Them
November 21, 2016

The Holidays are a busy time of year, and people are caught up in the Holiday spirit. For con artists, this is the perfect time to execute the perfect Holiday scam. People are generally more apt to give to charities, conduct easy transactions for purchases, and spend money. Here are some of the most common Holiday robocall scams and how to spot them. Robocall Scams to Watch Out For this Holiday Season Great Deal Scam A blinking link or a high energy phone call advertises a limited time deal that is too good to be true! Most likely, this deal is too… Read More

Student Loan Changes that Help Borrowers
November 14, 2016

Student Loan debt is a big problem in America. It is one of the main contributing factors to debt, according to Attorney Mike Ziegler, so it makes sense that big changes are in order. Here are some recent student loan changes that will help borrowers. Mike Ziegler Reveals the Best Changes for Student Loan Borrowers REPAYE This program, introduced in December of 2015, is the Revised Pay As You Earn program. Borrowers of Federal student loans who need lower monthly payments can now opt for this program. The revised program allows an additional five million direct loan borrowers to obtain relief,… Read More

Chapter 13 Trustees
November 7, 2016

When considering bankruptcy, filing for Chapter 13 in Florida is a viable option for those who are overwhelmed by financial strain. This is for the individual who just wants and needs to get back on track, without losing everything. Chapter 13 allows people with a steady income to develop a payment plan. The payment plan goes to one location. The usual timeline is three to five years. The person filing will repay all or a portion of their overall debt, based on what it is determined will be manageable without worsening their situation. The Role of Trustee When Filing for Chapter 13… Read More

Understanding Common Credit Card Fees
October 31, 2016

One of the most prominent reasons for debt in the United States is credit card debts. Experts often attribute this to a lack of understanding about credit cards in general, and what they entail. Credit cards have fees for using their credit, and there are some fees that are commonly found in credit cards. Here are some of the most common. Consumer Legal Rights and Understanding Credit Card Fees First, you should know that since 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act has prohibited credit card companies from exceeding a certain cap on required fees. This is… Read More

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