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

Can medical debts hurt your credit score?

Thousands of people across the United States live in debt, including many here in the Tampa area. There are many kinds of debt that can lead to a lot of financial problems for people. When people think about debt usually credit card debt or mortgages come to mind. However, there is another very common kind of debt that can and does a hurt a lot of people’s financial situations; that is medical debt.


If you want to rid yourself of your timeshare, please take note of the following website. As reported in the Tampa Bay Times, at www.vacatia.com you can list and buy timeshares in an easy to understand format. You can buy a timeshare under the deals section for $1,000.00 or less. Las Vegas had a time share for $1.00.

Is there ever a good time to not pay off your credit card debt?

Most people in the Tampa area would love to be out of debt, however many people have a hard time avoiding debt. Generally, debt has a negative impact on a person’s financial situation and for some people it can lead to even worse financial problems, like bankruptcy. However, there can be situations where it is better to hold onto debt than to pay it off right away.

Filing for bankruptcy can actually increase student loan debt

Thousands of college students across the country attend their university of choice with the help of student loans. However, many young students who graduate, including some in Tampa, are unable to find steady employment after their studies are over. This can leave them unable to pay off their student loans and in some cases can eventually force them to consider filing for bankruptcy; but there can risks involved.

Credit card use on the rise as Americans feeling more confident

Although the economy in the United States has a long way to go, according to most experts, there have been some positive signs that things are getting better, including in the Tampa Area. One sign that things are taking a turn in the right direction is that more and more people are starting to use their credit cards again.

Debt Collectors and Bankruptcy

Many debtors in bankruptcy may have been fielding calls from debt collectors prior to the filing of the bankruptcy case. Some of the calls from these debt collectors, whether they are third party collectors or original creditors, can give rise to a claim for damages under federal law and state law. They right to sue the debt collector can be an asset in a bankruptcy case. Several factors have to happen before a bankruptcy trustee can sue a debtor collector on behalf of a debtor and collect the money for distribution to creditors.

Foreclosure and mortgage debate leads to south Florida lawsuit

Anyone facing a foreclosure in the Tampa area should be aware of his or her rights. There are options available but a person should also know that although there are valid methods to find help, there are also foreclosure scams. It's important to understand the differences between the two.

  • "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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118 South Rome Avenue
Tampa, FL 33606

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Riverview, FL 33578

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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