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September 2014 Archives

Dealing with unlawful debt collection

There are many people across the country, including in the Tampa area that have some kind of debt. At Timothy J. Sierra, Attorney at Law, we work with people who are in debt every day so we understand the many difficulties that you can face when you are in this kind of situation.

Is Taking Out a Private Student Loan the Right Decision for Graduate School?

Today many private student loan lenders have displayed attractive options for graduate students to take out loans with them. They make their loans appealing by advertising low fixed interest rates, which look significantly lower than Federal student loan rates. Along with fixed rates private lenders offer they also offer variable rates, which are subject to change at any time thus they are a riskier option.

How to choose competent credit counseling

There are many people in the Tampa area who face credit, as well as other types of financial problems. When someone is in deep financial trouble he or she should probably look for help to get out of that situation, there are many different options for someone who has credit problems. Some options are better than others depending on a person’s specific situation. One method of relief is to find a credit counselor.

Student Loans Aren't Just an Issue for College Students

When it comes to student loans we usually associate recent graduates or sometimes parents who helped their children pay for school, but retirees would not be the first to come to mind of those who carry student loan debt.

What property can you keep in bankruptcy?

When you are considering filing for bankruptcy, you probably have a lot of questions on your mind, not the least of which is “what can I keep when I file for bankruptcy?” or “can I keep anything at all?” The answer depends upon which type of bankruptcy you choose to file.

Expansion of Student Loan Repayment Options

The new student loan repayment program signed by President Obama this past June, allows for more borrowers to seek relief for student loan debt. This program, "Pay As You Earn" (PAYE), caps the monthly repayments for student loan debt at 10 percent of income and any balance after 20 years will be forgiven.

Tips on Disputing Errors on Your Credit Report

Errors on credit report are common occurrences. You might be someone who is affected by these mistakes on your report and you do not even realize it. Having a credit report error is very serious, and could severely hinder someone's credit score. It only takes one error on a report to lower your credit score and then end up paying thousands of dollars on high interest payments.

What are the benefits of filing for bankruptcy?

In most circles bankruptcy is not considered a positive thing. In fact, most people in Tampa, or anywhere else, never want to even think about having to file for bankruptcy. While it is true that having a bankruptcy on your record can have some negative effects on your financial future, there are also several positive aspects of filing for bankruptcy in some situations.

A comparison of Chapter 13 vs. Chapter 7 bankruptcy

Bankruptcy is a serious matter and should never be taken lightly. If a person in the Tampa area is considering filing for bankruptcy or has already decided to file for bankruptcy, then perhaps the first decision he or she will have to make is which kind of bankruptcy to file: either Chapter 7 or 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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We Have Offices in Tampa, Riverview and Brandon For Your Convenience.

Tampa Office
118 South Rome Avenue
Tampa, FL 33606

Toll Free: 877-492-7449
Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
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Riverview Office
6314 U.S. Highway 301 South
Riverview, FL 33578

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

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