Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
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June 2014 Archives

Student Loan Payment Options

Student loans can be overwhelming, especially in today's economy where there are over $1 trillion of student loan debt in America. Borrowers who are just out of school and need to begin to think about paying off their loans should keep in mind that there are multiple payment options out there. Many people are in different financial situations and along with the right payment plan one can find loan payments less stressful.

Rebuilding Credit after Bankruptcy: Thinking about Refinancing

The longer someone recovering from a recent bankrupcty waits to refinance a mortgage, the easier the process of refinancing becomes. This is because it is important to rebuild a credit score before applying to refinance a home. If one tries to do so before a year has passed since they declared bankruptcy they could potentially see themselves facing high interest charges. Giving yourself time to recoup from a recent bankruptcy will be more beneficial in the long run. Usually one to two years after a bankruptcy is a decent amount of time to rebuild one's credit score. Having a better credit score when looking to refinance, will make interest rates much more affordable.

Obama announces efforts to create more student loan relief

There are many people in the Tampa area and elsewhere who use student loans in order to get through college. Although getting a degree can be very useful in life, the cost of studying at a university can be very high. Unfortunately, finding a good-paying job after graduation can also be difficult. That means that many people who earn their degrees have a very difficult time paying off their student loans on time and this can lead to long-term financial problems.

Student Loan Law Series: The Trouble with Joint Consolidation Loans

Student loans can get overwhelming to handle on your own, and many couples who get married think it is a good idea to consolidate their student loans to make paying off the loans less of a burden. It's not.

Is Your Job at Risk because You've Gone Through Bankruptcy?

Many people who have filed for and gone through the process of declaring bankruptcy fear they jobs might be at stake. However, it is unlikely that if you have gone through bankruptcy that your boss will even find out about it.

Medical debt leading to damaged credit reports across the country

It seems that just about everyone is living in debt these days. There are constant reports of people struggling with their finances and all the problems that come because of those financial issues. One of the many issues that people in debt in the Tampa area face, as well as anywhere else, is the negative effect debt has on their credit report.

Student Loan Law Series: Advantages and Disadvantages of Consolidation and Rehabilitation

In the few past blogs in this series we have discussed how to cure defaulted student loans through consolidation of loans or rehabilitating loans. Also we have touched upon the importance of knowing which option is best for each person who is facing default. There are many advantages and disadvantages to both consolidation and rehabilitation that collectors fail to mention, due to monetary incentives for themselves. It is important to know what the pros and cons of each are before deciding on a cure that suits a borrowers situation.

Rebuilding Credit Post-Bankruptcy: How to Become Credit Savvy

Being aware of how to manage credit is not an easy task. Many people post- bankruptcy, need to learn to keep their credit in check and by following some simple tips for credit will help those struggling with credit to make the best decisions possible and become a better consumer with credit.

Florida lawyers say new foreclosure law slowing the process

The housing market around the country continues to be an up-and-down ride. That includes the Tampa area where there are positive signs, but still many difficulties to overcome. When someone is facing financial troubles and can’t stay current on his or her mortgage payment then foreclosure becomes a distinct possibility.

Student Loan Law Series: Limits on Rehabilitation

As discussed in last week's blog, rehabilitation is a cure to defaulted student loans. However, rehabilitation has some limits attached to it. These limits hinder debtors from using rehabilitation as a solution for default, and therefore they must seek other ways to address the problem.

Rebuilding Credit Post-Bankruptcy: What to Do if You're Falling Behind on a Reaffirmation Agreement

Sometimes post-bankruptcy, people who agree to sign a reaffirmation agreement over estimate their ability to live up to the payments agreed upon with a creditor. They tend to find themselves struggling financially to meet these monthly payments. In situations such as this, one should seek rescission or cancellation of the agreement.

  • "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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Fax: 813-258-4746
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