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Getting out of debt is not easy, but itís worth it

Just about everyone wants to enjoy the finer things of life. Most people, including many in the Tampa area, also like to enjoy their so-called toys. However, many people also get into severe debt in order to enjoy those things. Living within one’s means is not necessarily easy, but by avoiding the pitfalls of debt a person can actually enjoy his or her life much more by not being overwhelmed by financial problems.

Although everyone is aware that debt is a bad thing, that fact doesn’t seem to stop many, or even most, Americans from getting into debt. Whether it’s student loans for college, credit card debt or borrowing money for vehicles, a mortgage or to travel the world, people just can’t seem to stay out of debt. However, there are some things one can do to avoid these pitfalls, but it takes self-discipline.

If a person wants to aviod debt, then he or she should cut back on the things he or she doesn’t really need. Many times, debt can add up by many small purchases instead of one or two large ones. Before a person even realizes it, these little splurges here and there can add up. If a person does end up in the hole, then he or she needs to stop making unnecessary purchases and start paying down the debt.

If you are in a position where you feel like you can’t overcome your debt by yourself, then you might need the help of an experienced bankruptcy attorney. Getting out of debt is a process, but in the long run, living debt free can be a much better way to live.

 

Source: ABC News, “The 4-letter word that can ruin your credit,” Adam Levin, Mar. 2, 2014

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  • "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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