Timothy J. Sierra, Attorney at Law Timothy J. Sierra, Attorney at Law
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Tampa Bankruptcy Law Blog

How Do Student Loans Affect Your Credit Score?


Student loans are meant to help students. While it may not be as simple as mom and dad giving their child $50 for gas for the month, the idea is not to ruin the student's life and lock them in a jail of debt and throw away the key. The idea is to provide students with money to obtain a high quality education so they can make more money and pay back what they owe. However, while intentions may be decent student loans are scary and many students fear that if they do not succeed directly out of college they may be trapped under mounds of debt that may later prevent them from having the life of which they once dreamed.

Sports Authority Hangs on By a Thread


Sports Authority was once a large, vast village of sports related merchandise. Sorted by sport and brand and color and price, if you wanted something in the athletic realm and Sports Authority didn't have it, you may have no other options in sight. However, what was once the royalty of the sports themed retailers has since become a sad warehouse of unpurchased merchandise that is costing more to keep in stock than the number of consumers who are purchasing. Sports Authority has been on the trail to bankruptcy since March and has since been falling deeper and deeper into its own demise.


The Domino Effect in Bankruptcy

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Everyone one knows what dominos are. Small thin black rectangles with white dots on either end. You stand them up on their side one by one in a line. Once they are all lined up you tap the first one and watch it fall and take each subsequent domino down with it until they have all fallen down. This effect applies in much more than a children's distraction.

How Emergency Funds Can Save You Stress



Emergency funds typically sound like something that could be nice, if you had the money and time to save it up. Emergency funds are small pocket of change put aside just in case of an emergency. It is basically saving for a rainy day. It is said that two out of three Americans would have trouble coming up with $1000 for an emergency. People always save up for the things they want but forget to save for the things they don't expect. Having an emergency fund can prevent that stress.

Credit Score Concerns


It is very common that you see ads on television for how to check your credit score using this new program or how to get help if your credit score is low. However before even considering responding to those advertisements you need a fair amount of information about credit scores in general and your own personal credit score.

The Danger in Digital Wallets


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



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?


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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.


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