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December 2014 Archives

Medical Debt is Bringing Down Credit Scores

Debt is avoidable. If we pay our mortgage each month and pay off our credit cards we can stay out of debt right? Well other circumstances can cause credit scores to drop, and we might not even be aware they exist, such as medical debt.

Common reasons for foreclosure

Although foreclosures continue to occur all around the country, there are some positive signs that the housing market continues to improve, including here in the Tampa area. According to a recent report in the Tampa Bay Times, Tampa ranked number five in single-family homes sales in November amongst all 20 metropolitan areas in Florida.

Study shows students might be clueless regarding loan debt

People in Tampa come from all walks of life. Although everyone is different, there are some things that almost everyone has in common. One of those things is debt. Whether it’s credit card debt, medical debt, or student loan debt, just about everyone owes money to a creditor. Debt can be very debilitating, but it can be especially difficult if you don’t even realize how much you have.

Steps for Paying off Student Loan Debt

Paying off student loans might seem impossible when there are other financial obligations to worry about in life. However, paying off student debt is achievable, it just takes some planning and time to get there. Follow these 4 steps to get on track to being student loan debt free:

Can credit card debt always be discharged in bankruptcy?

There are many kinds of debt, but perhaps the most common amongst all people in the Tampa area, and elsewhere across the country, is credit card debt. Credit card debt is easy to accrue, but can be very difficult to pay off for many people. In fact, some people get into so much credit card debt that they have to consider filing for bankruptcy just to get out from underneath all that debt.

The Trouble with Co-signing your Children's Student Loans

When a parent decides to co-sign their child's private student loan, it seems like a good idea, right? You're helping your child get their college education. It's their debt anyway isn't it? WRONG!

Common reasons for filing Chapter 13 Bankruptcy

Life has a way of throwing people for a loop. At Timothy J. Sierra, we know that things don’t always go as planned. Even though you make the best plans and do everything you can to see those plans through, unforeseen problems can arise, including problems that can wreak havoc on your financial affairs. We know that just about anyone in the Tampa area can end up in financial turmoil, which can even lead to bankruptcy.

New Changes Under CFPB to Foreclosure Process

In the past week, according to HousingWire.com, the Consumer Financial Protection Bureau is working toward adding additional measures to make sure that homeowners going through foreclosure are being treated fairly by mortgage companies . Some of the measure include:

Could credit card rates be rising next year?

The holidays are officially here, which means a lot of different things to a lot of different people. However, one thing that almost everyone has in common when it comes to this time of year is the shopping. The holiday spending frenzy officially kicks off on Black Friday, or in may cases on Thanksgiving Day, and runs right up until the end of the year with all the after-Christmas deals. With all that spending going on many people in the Tampa area will surely be adding to their credit card bills.

  • "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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Brandon, FL 33510

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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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