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Posts tagged "filing for bankruptcy"

40 percent of Florida adults struggle with medical debt

Whether someone is unable to work after suffering an injury or simply cannot afford to pay their medical expenses, there are many reasons why people have unmanageable medical debt. Unfortunately, for some people in Tampa and throughout Florida, medical bills can make a physical condition even more difficult to deal with. People who are going through this firsthand should explore every debt relief option and remain committed to working towards a successful outcome. After all, debt can become even more difficult to tackle over time and it is imperative to get started right away.

Credit cards no longer the largest type of debt in America

Whether someone loses their job or faces financial challenges (such as medical expenses) that they never saw coming, there are many reasons why people find themselves in debt. Unfortunately, far too many people in Tampa and throughout Florida who are in this situation take on a great deal of credit card debt, which can lead to a number of problems including creditor harassment. There are a number of ways that people who are going through this may be able to address their debt, such as filing for bankruptcy. However, it is important for anyone dealing with this firsthand to take a close look at all of their options and identify the smartest path forward.

Americans took on less credit card debt in January

There are many reasons why people take on credit card debt and find themselves unable to repay what they have borrowed. For example, someone may experience unexpected financial challenges after being laid off from work or they could have turned to credit cards to deal with medical expenses. Regardless of the reasons why people rack up credit card debt, it is important for borrowers in Tampa and throughout Florida to deal with their credit cards as soon as possible.

Reaching out to people who are struggling with medical debt

There are many reasons why people throughout the United States end up struggling with unbearable medical debt. For some, an unexpected medical condition or emergency requires them to take on unmanageable debt, while others face costly medical expenses because of a health condition they have been dealing with for years or are unable to work and can no longer cover their hospital bills. Unfortunately, people find themselves in this position far too often in Tampa, Florida, and across the country. At the law firm of Timothy J. Sierra, we understand the numerous obstacles that people who are in this position typically face and extend a helping hand to those who are going through this firsthand.

Helping those who are struggling with credit card debt

From unemployment to costly medical expenses and unforeseen challenges in life, there are many reasons why people take on debt that they cannot repay. Unfortunately, far too many people in Tampa and throughout Florida are experiencing these difficulties firsthand and have no idea of what should be done next. At the law firm of Timothy J. Sierra, we understand the numerous obstacles that come with burdensome credit card debt and work hard to help ensure that our clients address their debt properly.

2014 Nationwide Bankruptcy Filing Dropped 12 Percent

Bankruptcy filings have dropped 12% this year, but that is not necessarily a good thing... In a recent report by American Bankruptcy Institute(ABI) partnered with Eqip Systems, Inc., their data states that over 900,000 nationwide bankruptcies were filed in 2014, which is a 12 percent drop from over a million filings the previous year in 2013.

Valuable tips for avoiding medical debt

There are all kinds of debt that people get into, including credit card debt, mortgage debt and school loan debt. No debt is good and for many people debt can lead to long-term financial problems, including foreclosures and even bankruptcy. There is another kind of debt that often gets overlooked, but it can be just as serious for anyone in the Tampa area, as any other kind debt. That is medical debt.

  • "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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