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

Issuers are also tying rewards and bonus offers to users who spend over a certain amount. Again, resist the temptation to charge just to receive the bonuses. Always find the best bargain for a particular item.

When shopping make a plan and stick to it and use a credit card that carries the lowest balance and put all purchases on it. Remove all the other cards from your wallet or purse to avoid the temptation of charging on those cards. Do not sign up for store cards just to take advantage of a discount. And always remember the number one rule of credit cards: be able to pay off the balance when the bill comes. The number one way to end up in bankruptcy is to carry balances and make only interest payments.

Stores are offering layaway plans and other interest free pay-over time programs. Take advantage of these offers Also, devote your time to a worthy cause in lieu of a gift. You feel better about it and there is never a balance due. Happy shopping!

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  • "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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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