Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
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November 2012 Archives

CREDIT CARDS AND HOLIDAY DEBT

Be wary of special offers by credit card banks who offer special deals during the holiday season. Some credit card issuers are sending blank checks for use during the holidays. Resist the urge to use the checks because they are cash advances and carry huge interest payments of over 20 percent.

Lien Strip and Chapter 7 cases

The 11th Circuit Court of Appeals ruled in May 2012 that debtors can strip off a lien, such as a second mortgage, in a chapter 7 bankruptcy cases. In Re Lorraine McNeal, Court of Appeals Docket #: 11-11352. The 11th Circuit governs bankruptcy cases filed in the Middle District of Florida. Most circuits have ruled that a debtor cannot strip a second mortgage in a chapter 7 case and a debtor had to file a chapter 13 case to do so.  The court based its opinion on a case from 1989,  Matter of Folendore.

  • "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. "
  • "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. "
  • "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. "
  • "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. "
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Tampa, FL 33606

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Riverview, FL 33578

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Fax: 813-258-4746
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305 North Parsons Avenue
Brandon, FL 33510

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Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
Map & Directions