Timothy J. Sierra, Attorney at Law Timothy J. Sierra, Attorney at Law
Bankruptcy Questions?Call for a Free Initial Consultation
813-463-2256

Tampa Bankruptcy Law Blog

The Danger in Digital Wallets

danger-in-digital-wallets.jpg

Nowadays everyone is into minimalism. Minimalism is having less to do, less to carry and less to worry about. With smartphones, this dream is made a reality. Gone are the days one needs a cellphone, a planner, a contact book, and a wallet. With smartphones everything you need is in the palm of your hand, literally. Some may believe that having a digital wallet on your phone is smart because you aren't carrying around a small piece of leather with cash and cards that could easily get lost or stolen. However, digital wallets can be just as dangerous if not more.

Top 5 Reasons why students shouldn't be scared of student loans

 

5-reasons-why-scared-student-loans.jpg

Getting an education is one of the most valuable tools a person may have into proving a better future for themselves. However, every tool comes with a cost and sometimes that pricetag may be a little too large for one's budget. This is where student loans come in. Yes, student loans are similar to debt. Yes, student loans can be intimidating. No, you shouldnt be scared of them. Here are the top 5 reasons why student may be scared of student loans.

Discharge Versus Dismissal: What does it mean?

 

discharge- versus- dismissal.jpg

In filing for bankruptcy one of two things is going to occur. You will either have your case dismissed or discharged. While these two words may sound very similar, they will have very different impacts on your financial situation. In bankruptcy, discharge is the equivalent of winning the case and dismissed is the equivalent of losing.

 

Managing Your Credit Card

Credit cards seem like small pieces of plastic that allow you to purchase whatever you want and pay all the money back at a later date. In reality they have both pros and cons depending on how you manage your money. If you have a problem with spending more than you have credit cards can be dangerous, but used the right way they can allow you to build up good credit so that you can make larger purchases and borrow money in the future. Here are some tips for how to responsibly use a credit card.

managing-your-credit-card.png 

Obamacare Helping Those with Medical Debt

obamacare-helping-those-with-medical-debt.jpg

You can never predict when you may fall ill or undergo an injury. Therefore, medical debt can sometimes be unavoidable. For those that are uninsured, medical debt can cause a lot of stress and financial despair. However, new research is showing that Obamacare could be making a difference in lowering medical debt for low-income Americans.

Class of 2016 Breaks Record for Student Debt

class-of-2016-breaks-record-for-student-debt.jpg

This spring, college graduates find themselves holding the record of highest student debt to date. However, there is some good news. Although student debt is at an intimidating high, research is showing that this year graduates are expected to make higher starting salaries. This means, students of the 2016 class are likely to pay off their student debt faster than the students that graduated before them.

Clothing Retailer Aéropostale Files for Chapter 11

clothing-retailer-aéropostale-files-for-chapter-11.jpg

If you've been to the Westshore Plaza, Westfield Citrus Park, Westfield Brandon, Tyrone Square Mall or any of the other 57 Aéropostale stores located in the Florida area, then you may have learned that Aéropostale is filing for Chapter 11 bankruptcy. Unfortunately for shoppers, this is not the first retailer to leave the Florida area in the past couple of years.

First-Time Home Buyers Guide to Avoid Foreclosure

first-time-home-buyers-guide-to-avoid-foreclosure.jpg

Buying a house is a momentous investment for home owners at any stage of life. Purchasing a home is a large financial commitment and should only be done when a home owner is financially stable. To successfully own a home and avoid foreclosure, buyers should first answer these following questions.

White House Student Loan Efforts Continue

white-house-student-loan-efforts-continue.png

 

The United States government is gradually creating a solution to the student loan issue that many Americans find themselves facing. In order to improve the current situation, the Obama administration is giving Americans more options and is requiring that the Department of Education initiates new marketing campaigns to better educate borrowers.

Contact Information

Tampa Office
118 South Rome Avenue
Tampa, FL 33606

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Tampa Law Office Map

Riverview Office
6314 U.S. Highway 301 South
Riverview, FL 33578

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Map & Directions

Brandon Office
305 North Parsons Avenue
Brandon, FL 33510

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Map & Directions