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

Financing in Your 40s

For someone in their 40s, at this point in life they should have all student debt paid off and credit card debt cleared. Life earnings may increase, which means we should be adding more to our savings for the future of not only ourselves but our children or dependents. This should all be a part of financial management in our 40s, along with continuing to grow funds.

Things You Did Not Know Could Hurt Your Credit Score

These days debt is a concern among a majority of Americans; people are constantly looking at ways to boost credit score. However, borrowers and debtors need to be aware that credit scores are not only attached to credit card spending, but most financial decisions we make in life. Also be aware of some issues that can lower credit score even more, and how to avoid them from hurting you financially.

The truth regarding common bankruptcy myths

What comes to mind when you hear the term bankruptcy? There are many aspects of bankruptcy as well as many different types of bankruptcy filings. Many people in the Tampa area, and elsewhere, have preconceived notions regarding bankruptcy. However, many of those beliefs are not completely accurate. In fact, some myths are entirely wrong.

Money Saving Tips for your 30s

People in their 30s are in the financial carry over from their 20s: still paying off debt for credit cards and student loans, and building savings. However, in this decade of life is when people start thinking about purchasing a home, and possibly starting a family.

Can I prevent my medical debt from damaging my credit score?

Any kind of debt, including medical debt, is bad and can lead to long-term financial problems. Some debt situations get so bad that some people in the Tampa area have to consider bankruptcy. In fact, medical debt is the leading cause of bankruptcy filings in the United States. Not all debt is that bad, but almost any debt will negatively affecting your credit score, including medical debt. So is there anything you can do to prevent medical debt from damaging your credit score?

College Tuition Does Not Belong on Credit Cards

Many people view using credit cards to pay for items as a way to gain "rewards" and receive benefits. However, this only happens when purchases made on a card are paid off regularly and on time. Reward credit cards are certainly not a smart way to pay tuition payments for college.

Six tips for improving your credit after a bankruptcy

If you are considering bankruptcy, then that means you find yourself in a tough financial situation. Although bankruptcy is generally considered a negative, there are some positives that can come from filing for Chapter 7 or Chapter 13 bankruptcy. Many people in the Tampa area wonder, however, if they can still pick up the pieces and start rebuilding their credit quickly, after filing for bankruptcy.

  • "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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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