Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
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April 2014 Archives

Americaís credit card balance continues to grow

Do you have credit card debt? You’re probably thinking: “Who doesn’t have credit card debt?” The fact is, just about everyone in America does have credit card debt, including many in the Tampa area. The average American owes thousands of dollars on his or her credit card accounts, and many of those people don’t have the means to get out from under that debt.

South Florida foreclosures down, but still among nationís highest

Of course, no one ever wants to experience a foreclosure. Not only are you losing ownership of the home you love, but your financial future will also be affected for many years to come. Although foreclosure rates across the country have been showing some positive signs, including in the Tampa area, the South Florida region is still facing more foreclosures than other areas.

Keep your credit score high by avoiding these mistakes

Have you checked your credit score lately? Although most people know that their credit score is very important, many people make several decisions that hurt their score. Sometimes, these things are obvious, but there are some mistakes people make that they might not even be aware can hurt them. That's just one of the reasons it's important for everyone in the Tampa area to keep a close eye on his or her credit score.

Mobile retailer Wirefly reportedly filing for Chapter 7

The business word can be very competitive and many times companies can’t keep up with the competition. When a company in Tampa is unable to meet the financial demands of doing business, it might have to consider filing for bankruptcy. However, most companies considering bankruptcy, usually file for Chapter 11 or Chapter 13, which allows for the company to try to stay open while it sorts things out. A Chapter 7 Bankruptcy, on the other hand, usually means that a company is calling it quits.

Fees Paid for Payday Loans Could be higher than Original Loan

Seeking debt relief from payday loans can be a difficult process.  Payday loans are a form of debt which are often known as cash advances or check loans. They carry a fee between $10 and $20 per $100 borrowed, and must be paid back within a set amount of time (typically 14 days). The problem with this sort of loan is that many borrowers are unable to pay off the first loan, causing them to roll the debt over and take out a larger loan to pay off this existing debt. According to the Consumer Financial Protection Bureau, more than 80% of all payday loans are renewed or rolled over within the two week period.

  • "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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Phone: 813-463-2256
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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