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

Tampa Bankruptcy Law Blog

Obamacare Helping Those with Medical Debt


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


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


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


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



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.

The Truth Behind Store Credit Cards


There are mixed reviews when it comes to taking out a store credit card. Most people are tempted by the discount, while others avoid them due to the frightening thought of added interest. No matter your opinion, the pros have found a way to strategically overcome the interest and become a money saver while being a money spender.

Millennials' Views on Student Loans


Student loan debt is a common headache amongst many, however according to recent data, the millennial generation is undergoing the worst circumstances. Many try to overcome the debt while others are discouraged and fall behind on payments. Research has found that millennials share common views on the student loan situation and it may be fueling the problem.

Obama's Student Loan Forgiveness Plan


The Obama administration recently announced that the Department of Education has a plan that will allow borrowers with disabilities to have their loans forgiven. "A total of 387,000 borrowers are eligible for disability discharge," according to the Department of Education. This means these borrowers were identified as people who are unable to work towards paying off their federal student loans.

Maintaining a Mortgage with Bad Credit


Not every married couple has perfect credit. Sometimes one or both spouses have a bad credit history. This makes it difficult to purchase a house. However, it's not impossible to apply for a mortgage with bad credit. There's a number of things you should consider before applying. The first decision you will need to make is whether or not you should apply jointly or individually.

3 Questions to Answer Before Bankruptcy


For most people, when finances get tight bankruptcy isn't plan A and sometimes it isn't plan B either. Bankruptcy usually falls into plan C, when debt appears to have no end in sight. However, bankruptcy should be the first thing you consider if you encounter the following issues such as when your liabilities are overwhelming your assets, creditors are becoming a daily headache or a dire situation such as illness or job loss is affecting your payments. Below, you will find three questions that you should answer while considering bankruptcy.

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