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

Americans are still buried in Medical Debt

When a patient goes to the hospital for a procedure they are aware that there will be cost and payments due for the medical attention they have received. These patients are usually able to sort out the cost of their medical bills due to insurance or payment plans. However, what patients do not put into account are the unexpected medical costs that are added on to medical bills, this is what sends patients into debt. More than 63% of Americans receive medical bills higher than what they expected after medical treatment.

Tips for improving your credit score with high credit card debt

Anyone in debt knows the many difficulties that can come with being in financial trouble. Having overwhelming debt not only makes it hard to get out of debt, but it can also negatively affect your credit score for many years. For that reason, many people in the Tampa area might be under the impression that one cannot improve his or her credit score if he or she has serious debt.

The ins and outs of Florida foreclosure law

Although housing markets around the country continue to have their ups and downs, the foreclosure market is different for every city, including Tampa. At Timothy J. Sierra, we know that Florida continues to have the nation’s highest foreclosure rate and we understand that many people in our area are affected by this problem.

Credit Card companies are willing to help with debt, just ask.

Have a late fee on your credit card? Want to get it taken off your statement? Then call your credit card company and ask for it to be removed! What is the worst that they will say? No.

How to handle garnishment of wages

Not making payments on time and failing to pay debts off can mean more headaches for American debtors. Millions of American debtors get their pay garnished, due to lack of payments on debts. However, garnishment can be avoided by taking action before it is too late.

How often can you file for bankruptcy?

There are many different financial situations in life that can lead a person to consider filing for bankruptcy in the Tampa area. However, bankruptcy is a serious matter and it should never be entered into lightly. That being said, sometimes people have no other choice than to file for bankruptcy. Some people even have to file for bankruptcy more than once, but are there limits on how often you can file?

Should Millennials Avoid Credit Cards?

Credit card debt is a big issue for many Americans today, however, you cannot have credit card debt without having a credit card in the first place. Today 60 percent of Americans from the ages of 18 to 29 do not own a credit card. Millennials are opting out of having credit cards to avoid getting themselves into debt.

Credit card debt jumps by $28 billion in second quarter

Just about everyone in America, including most in the Tampa area, have credit card debt. Credit cards can be a convenient way to purchase things but too many times people are unable to control their spending and they wind up in debt. Unfortunately, despite the negative effects of having debt, most people still get into this financial trap; and it appears that the problem might be getting worse.

Student Loan Debt is Hindering the Housing Market

We all have heard the news recently that student loan debt is a rising problem in America. Now to add to all the problems it causes, student loans are causing a drastic decline in Americans 20- 39 years of age from purchasing homes. Today national student loan debt is now at $1.1. Trillion, according to the Federal Reserve Bank of New York.

Risks Behind Credit Card Companies' Interest Rate Offers

Credit card debt seems scary and can lead us to want to jump at the first card offer of "zero interest for six months". We think that this is a great offer so we can transfer a higher interest card balance to the new card, and then have more time to pay off the balance. Credit card companies that offer things such as low interest rate for a promotional time usually carry added risk. Credit card users need to be aware of these risks, or they can get into a lot of debt trouble.

  • "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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We Have Offices in Tampa, Riverview and Brandon For Your Convenience.

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
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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