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February 2014 Archives

Rebuilding Credit after Bankruptcy: Examining Credit Reports

The first step in reestablishing your credit after bankruptcy is to know what exactly is listed in your credit reports. The easiest way to do this is to obtain a copy of your credit reports from the three major credit bureaus; CBI/Equifax, TransUnion, and Experion. There are also regional and local credit bureaus which one is able to access as well. When one is denied credit, they can find out what exactly was in the credit report the creditor used in making the decision. This is helpful in knowing what potential creditors see when they are considering offering you credit.

Former fling of Miami Heat star files for bankruptcy

There are many reasons that people in the Tampa area, and anywhere else, get into debt. Some of those reasons are due to bad choices or poor money management, while other financial problems are completely out of a person’s control. Getting out of debt can be difficult, but there are several options for a person to regain control of his or her financial status.

Student Loan Law Series: Types of Student Loans

Student loans are a hot topic in the news today, with more and more students across the country coming out of school with a significant amount of debt. In order to better understand the process, it is important to be familiar with the type of loans you have taken out. Federal loans and private loans are the two major types of loans students take out.

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.

NFL star sells home at big discount in order to avoid foreclosure

There are a lot circumstances that can lead to a person getting into financial trouble in the Tampa area. Sometimes, even the very wealthy can find themselves in debt or other financial hardships due to bad choices, poor money management or other circumstances out of their control. However, just because someone is in a financial bind that doesn’t mean he or she should lose hope and give up.

Is Bankruptcy Your Best Debt Relief Option?

Bankruptcy exists for the purpose of helping those people who truly need debt relief. Understanding when bankruptcy is the best option involves a careful look at the individual's financial circumstances and alternate options.

Analysts predict new health care law won't improve medical debt

Many people in the United States, including in the Tampa area, have debt. However, not everyone in debt has is at fault. Sometimes, a person can end up in debt because of an unfortunate accident or injury that leaves them with large, unexpected medical bills. Although the Affordable Care Act (ACA) is supposed to help ease the burden of medical expenses, there may still be many people who wind up with high medical debt according to some new analysis.

  • "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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Phone: 813-463-2256
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6314 U.S. Highway 301 South
Riverview, FL 33578

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Toll Free: 877-492-7449
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Phone: 813-463-2256
Fax: 813-258-4746
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Brandon Office
305 North Parsons Avenue
Brandon, FL 33510

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