Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
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May 2015 Archives

Avoiding Burdening Debt From Student Loans

Completing school is hard enough, having to deal with unmanageable student loans is nearly impossible. Understanding your federal student loans could be a course all on its own so if you are not in default and are having a hard time keeping up with the payments deferment and forbearance could help steer you away from establishing student loan debt.

New FICO Score Helps Medical Debt

Within the past year or so, FICO has released a new way to record and report medical debt collections, called FICO 9. This model will help Americans suffering from medical debt and can help combat the unequal effects. Most beneficial to the new method will be those who have completely paid their medical collections. It is said that FICO 9 will help lessen the impact of medical debt compared to other types of debt. 

Bankruptcy on Jointly Owned Property

Whether you are filing for individual Chapter 7 or Chapter 13 bankruptcy, there is always the possibility that your spouse may be affected. Therefore it's helpful to keep informed of the consequences your spouse might encounter while you file for bankruptcy.

Post Foreclosure Life

Foreclosure can be a scary thing, but just because you have been foreclosed on does not mean it's the end of the world. There are post foreclosure options to help you get back on your feet and can help lead you back to a financially stable life. Although it may take a while you can even become a homeowner again!

Can You Establish a Credit Score without Credit Cards?

Trying to establish and build credit can be a complicated process, especially if you don't own a credit card. One common misconception is that if you don't have a credit card you can't build credit. However that's not the case, there are plenty of other ways to create and grow your credit score.

5 Best Low-interest Credit Cards with Rewards

If you are on a tight budget here are some credits cards worth checking out. The following cards offer a variety of ways to save on cash, and can help put that money back into your wallet. These cards are favorable if you are currently facing or trying to avoid facing certain financial struggles, specifically credit card debt.

  • "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

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

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