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Common reasons for filing Chapter 13 Bankruptcy

Life has a way of throwing people for a loop. At Timothy J. Sierra, we know that things don’t always go as planned. Even though you make the best plans and do everything you can to see those plans through, unforeseen problems can arise, including problems that can wreak havoc on your financial affairs. We know that just about anyone in the Tampa area can end up in financial turmoil, which can even lead to bankruptcy.

Although some people might have the impression that bankruptcy only happens to irresponsible people that is simply not the case. There are many different circumstances that can lead to a person choosing to file for bankruptcy. When you decide to file for personal bankruptcy, you typically will choose between Chapter 7 and Chapter 13.

There are many different reasons people choose to file one or other. However, those who file Chapter 13 usually share some common reasons for choosing Chapter 13 over Chapter 7. A lot of people who choose Chapter 13 don’t want to sell all of their property like they would have to if they chose Chapter 7 bankruptcy. Many people who file chapter 13 have fallen behind in their payments and just a need a little time to get caught up.

Another reason for filing for Chapter 13 is to pay off tax debts without having to be hit with penalties and/or interest. Many people who choose Chapter 13 really do want to square away their debts but they need help coming up with a payment plan they can work with.

Filing for bankruptcy is a big decision and it’s one that you want to do right if you make that choice. If you are considering filing for bankruptcy and want to learn more about it, then please visit or Chapter 13 bankruptcy page.

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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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