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Chapter 13 Archives

Taking a look at Chapter 13 bankruptcy

The United States Courts provides excellent information regarding Chapter 13 bankruptcy on their website, such as the perks that come with filing Chapter 13 and an overview of the process. For some people in Tampa and throughout Florida, Chapter 13 bankruptcy is the best way to reduce debt and finally find a fresh financial start. However, it is very important for anyone who is thinking about filing for Chapter 13 or moving forward with any other debt relief strategy to closely analyze their situation and identify the proper course of action before getting started.

Is bankruptcy more effective than debt consolidation?

At the law offices of Timothy J. Sierra, we know that bankruptcy can seem like a huge step for most people. After all, declaring bankruptcy can have long term and lasting implications. We know that no one in the Tampa area wants to be in a position wherein he or she has to consider bankruptcy, but unfortunately, it is necessary for some individuals in order to get out of debt.

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.

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.

Six tips for improving your credit after a bankruptcy

If you are considering bankruptcy, then that means you find yourself in a tough financial situation. Although bankruptcy is generally considered a negative, there are some positives that can come from filing for Chapter 7 or Chapter 13 bankruptcy. Many people in the Tampa area wonder, however, if they can still pick up the pieces and start rebuilding their credit quickly, after filing for bankruptcy.

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.

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.

Former fling of Miami Heat star files for bankruptcy

There are many reasons that people in the Tampa area, and anywhere else, get into debt. Some of those reasons are due to bad choices or poor money management, while other financial problems are completely out of a person’s control. Getting out of debt can be difficult, but there are several options for a person to regain control of his or her financial status.

U.S. government making big money from student loan debts

Many young people across the country, including in Tampa, dream of going to college, and many of them are able to fulfill that dream. However, college is not cheap, which means many of those young people have to borrow money in order to pay for their tuition. Although some students find good paying jobs after they graduate, others find it very difficult to make enough to pay off their student loan debts.

Student loan debt may get a little easier to handle for borrowers

There are many reasons that a person in Tampa might be facing the possibility of filing for Chapter 13 bankruptcy, including being unable to pay off student loan debt. When a person is facing overwhelming debt of any kind understanding his or her options is one of the first the steps to overcoming it.

  • "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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Riverview, FL 33578

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Brandon, FL 33510

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