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

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.

Tips on Disputing Errors on Your Credit Report

Errors on credit report are common occurrences. You might be someone who is affected by these mistakes on your report and you do not even realize it. Having a credit report error is very serious, and could severely hinder someone's credit score. It only takes one error on a report to lower your credit score and then end up paying thousands of dollars on high interest payments.

Tips for talking down your credit card debt

Living in debt is never a good thing, for anyone in the Tampa area, or anywhere else. Debt relief can be hard to come by, but by knowing and implementing a few tips you can take steps to help find some real debt relief.

Is it smart to pay down credit card debt with your savings?

Are you carrying too much credit card debt? Have you found it almost impossible to stay current on all of your monthly card payments? Do you feel like there’s just no way you’ll ever get out debt? If so, you’re not alone. There are many people across the country, including in the Tampa area, which have credit card debt. However, there are ways to get out from under that debt.

Follow these tips to help get out of debt this year

The year 2014 is already in full swing and for many people in Tampa that means its time for New Year’s resolutions, including for some, getting out of debt. Debt has a way of dragging a person down, which is why trying to change the way one manages his or her finances for the better is always a good idea.

Make a plan to reduce your credit card debt this year

The New Year is here, which means a lot of people are hoping to get a fresh start on many different aspects of their lives. Whether it’s a new exercise program in hopes of getting physically fit or a new economic path in hopes of being financially fit, a lot of people in the Tampa area, and elsewhere, are making New Year’s resolutions.

  • "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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