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February 2013 Archives

Some Floridians finally able to receive some mortgage relief

After suffering for years during the recession and housing crisis, there may finally be a way for homeowners facing foreclosure to get some much-needed -- and long-awaited -- help for their underwater homes. Florida is one of the states suffering the worst of the national housing market crash, and mortgage giants Fannie Mae and Freddie Mac are now offering some solutions to help many of the millions of struggling homeowners in the U.S.

Mortgage borrowers take note: FHA's loan policies set to change

If you're considering a loan modification in Florida or a new loan using FHA's services, you may first want to consider new polices and fee hikes that the Federal Housing Administration will be putting into effect over the next few months. FHA loans have been traditionally popular for people with credit problems or lower down payments and have for years been considered ideal for first-time buyers with modest incomes.

Buying, refinancing, or foreclosing? Tips for mortgage borrowers

Florida's housing market has been particularly difficult, with the highest foreclosure rates in the country. However, there's still hope for people trying to hold onto their homes, avoid bankruptcy, or get into a new home. A few helpful tips make it possible for homeowners to benefit.

HOW TO HIRE A BANKRUPTCY ATTORNEY AND WHAT QUESTIONS TO ASK

The most important question to ask is whether the attorney specializes in the practice of consumer bankruptcy law. Bankruptcy has always been a very specialized area of law. It has become even more specialized since the passage of BAPCPA in 2005. You need someone who works day in and day out of the bankruptcy system. To find that attorney, you need the answers to the following questions.

Student loans challenge those struggling with overwhelming debt

Life has always been a challenge for recent college graduates. The hunt for a job and the struggle to start a decent life in the "real world" can be difficult even in the best of times. Unfortunately, Fair Isaac Corp., better known as FICO, says the problem with graduates' personal debt from student loans is worsening. Delinquent student loan payments have risen to 15 percent over the past two years -- up from 12.4 percent from 2005 to 2007.

Revised bill aims to speed up Florida foreclosures

Florida has the nation's highest foreclosure rate. A proposed bill, if passed, would speed the backlog of pending foreclosures through the process a bit faster. The controversial bill originally made it to the Florida House last year, when struggling homeowners attempting to stop foreclosure protested against it. The revised bill is a more moderate version that may speed up some home repossessions from sitting in limbo for two or more years, the current average for foreclosures in Florida.

  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
  • "I had to file a Chapter 7 bankruptcy. I didn't know anyone who could refer someone so I took a chance and just looked on the Internet. I don't remember exactly why I chose Mr. Sierra, but I am glad I did..."
  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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118 South Rome Avenue
Tampa, FL 33606

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

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305 North Parsons Avenue
Brandon, FL 33510

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