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May 2014 Archives

Student Loan Law Series: Curing Default through Rehabilitation

In last week's blog in our series we discussed curing defaulted student loans through consolidation. However, consolidation is not always the best choice for someone facing default. Another solution to curing default is to rehabilitate defaulted loans. Thus giving that person renewed eligibility for new loans and grants.

Rebuilding Credit Post-Bankruptcy: To Reaffirm or Not to Reaffirm?

The decision to reaffirm debt is one thought over by many people who have gone through bankruptcy. People in this position must decide if items they own are worth keeping and continuing to pay for, or should they discharge them through bankruptcy.

Tips for talking down your credit card debt

Living in debt is never a good thing, for anyone in the Tampa area, or anywhere else. Debt relief can be hard to come by, but by knowing and implementing a few tips you can take steps to help find some real debt relief.

Student Loan Law Series: Curing Default through Consolidation

In our last blog in the series we discussed the consequences of being in default from not paying student loans off in a timely manner. There are ways to cure default, one being consolidation of student loans. One can consolidate defaulted student loans into a direct consolidation loan with a repayment plan that is tied to income each month.

Rebuilding Credit after Bankruptcy: Paying Off Remaining Debts

In our last blog in the "Bounce Back from Bankruptcy" series we discussed how to deal with problems that can arise from discharged debts, and the importance of saving money post-bankruptcy. However, even after being able to discharge some debt, one can still have remaining debt post-bankruptcy; some of the remaining debt could be from: reaffirmed debts you agree to keep paying with a creditor, debts to friends and family, student loans, and taxes that weren't discharged.

Medical debt is on the rise across the country

Just about anyone who owns a home has mortgage debt. Likewise, many people have monthly car payments and just about everyone who owns a credit card has thousands of dollars in credit card debt. However, there is another growing debt problem in America, including in Tampa, which more and more people are encountering.

Student Loan Law Series: Consequences of Default

Students become at risk of default of FFELS or Direct Loans if they fail to make a payment for 270 days for loans repayable in monthly installments or 330 days for loans repayable less frequently than monthly. Consequences of defaulting on student loans include collections, administrative wage garnishment, tax refund intercept, social security offset, lawsuit, and others.

Rebuilding Credit Post-Bankruptcy: Discharged Debts

In our last blog in the "Bounce Back from Bankruptcy" series, we discussed updating credit reports, by eliminating errors and adding personal statements to maintain a professional demeanor with potential future creditors. From this step we move on to the process of saving money, and taking care of problems that can arise with debts that have already been discharged.

Which hurts a credit score more, bankruptcy or debt settlement?

Although just about everyone in the Tampa area, and everywhere else, is aware of the perils of debt, many people still manage to get themselves into financial problems on a regular basis. It’s never a good idea to be in debt, but there are ways to get out of your financial troubles if they have become a burden that’s too big to overcome. However, you should be sure to make the right choices when it comes to debt relief.

Meet the Parents actress facing serious financial problems

Are you in debt? Do you feel like no matter what you do, you can’t get out of debt? Are your creditors constantly bothering you to pay up, but you just don’t have the money to stay current on your bills? If this sounds like you, then now might be the time to start considering bankruptcy. However, no one in the Tampa area should make the choice to file for bankruptcy without first giving it a lot of thought.

Can filing for bankruptcy make you debt free?

Are you experiencing financial troubles that you just can’t seem to get out of? Have you ever thought about filing for bankruptcy but didn’t know if it was right for you? Bankruptcy is a very serious smatter and it should not be entered into lightly. If you live in the Tampa area and are considering bankruptcy there are some important things that you need to know, including the difference between Chapter 7 and Chapter 13.

  • "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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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