Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
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April 2013 Archives

Chapter 7 may help you get a fresh financial start

Many Floridians are struggling with debt, and are probably at their wits' end as to how to get themselves out of their financial mess. There are a few options for debt relief, such as mortgage modification, debt consolidation, and even short-term loans. Many of these options, particularly adding new loans to your debt, can result in even worse financial challenges. A growing number of people are considering filing for Chapter 7 to give them a fresh financial start.

Identity theft hits kids with fraudulent consumer debt, mortgages

It's hard enough for many Floridians without the added stress of identity theft. Unfortunately, this type of crime is growing alarmingly fast, and it's negatively affecting people's credit all over the country. This can have serious consequences, from having credit card applications denied to being unable to get a car or mortgage loan. Victims of identity theft often have their credit ruined through no fault of their own, and in many cases they have no idea it's happened to them.

Can a lender sue to collect 2nd mortgage after Chapter 7?

Many times, filing for bankruptcy in Florida will give a person some debt relief while still being able to keep his or her home. Chapter 7 bankruptcy discharges most debt and lets people obtain a fresh financial start. However, if someone has been faithfully paying a second mortgage after successfully completing a Chapter 7 bankruptcy, what happens if they later find out the bank had written off the loan rather than reaffirming it? Are they off the hook if a collection agency took over the debt, even if the homeowner never heard from the agency?

Online scams promise to cut mortgage payments, relieve debt

Consumers are being warned to watch out for online companies that use deceptive businesses practices to trick people with financial challenges into believing they're going to receive mortgage assistance. The Federal Trade Commission and consumer advocate agencies are cracking down on companies that can scam a family out of hundreds or even thousands of dollars, without delivering on their promises. Florida residents are urged to fully check out an online company before doing business with them.

  • "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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