Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
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How to get help from medical debt

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Debt of almost any kind is bad. However, just about everybody in America, including many in the Tampa area, have some kind of debt. At Timothy J Sierra, we know that debt can lead to many forms of financial trouble, and in extreme cases can lead a person to consider filing for bankruptcy. We also know that while many people have mortgage and credit card debt, medical debt is another severe problem in America.

In fact, according to an article from MainStreet.com, medical debt is actually the leading cause of people filing for bankruptcy claims in the United States. The article also points out that according to NerdWallet.com, every year Americans fork over three times as much money in third-part collections from medical debt, than they pay in credit card or bank debt combined. In 2012 alone, collectors took in $21 billion in medical debt from American consumers.

However, before you choose bankruptcy, there are some steps you can take to help you stay afloat with medical debt, according to an article in U.S. News & World Report. First, it's important to keep very detailed records of all of your medical bills and other paperwork. Insurance companies and medical billing staff often make mistakes, and it's up to you to find them.

You can also help yourself a lot by having a detailed knowledge and understanding of your insurance policy. This can help you find any errors or overcharges. It's also a good idea to pay your bills on time. Take the time to examine them closely but don't put payment off too long.

It's a good idea to consider all of your payment options, including using a flexible spending account or a health savings account. Lastly, if you reach a breaking point, so-to-speak, then you might need to consider bankruptcy as an option.

If you would like to learn more about medical debt and how it relates to bankruptcy, then please visit our Chapter 7 Bankruptcy page.

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  • "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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