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

A recent report by creditcards.com showed that 90% of credit card users who asked their card companies for a wave of a late fee got their request granted. Also more than half of credit card holders who ask for lower interest rates on their cards get that approved. It's that easy, just ask.

This report showed that mostly older card holders and cardholders of wealthier households were granted waived fees and lower interest rates more so than other demographic and socioeconomic card holder groups. It makes sense for credit card companies to be more inclined to help out these groups of card holders because older people and those who come from higher income households are less risky liabilities. Also these card holders are the ones that credit card companies are going to want to keep satisfied and retain long term relationships with.

Working with credit card companies to see which breaks they are willing to offer is always an option to reduce card fees, if one just asks their card company. However, if late fees are piling up and interest rates become too much to pay off debt on time and regularly, then contact a knowledgeable attorney in debt relief who can help get you on your financially stable feet.

Work Cited:

McClatchy. (2014, October 12). Lowering credit card interest rate is easier than 

you think. Retrieved October 13, 2014, from

http://www.tampabay.com/news/business/personalfinance/lowering- credit-card-interest-rate-is-easier-than-you-think/2201806 

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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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