Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
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Posts tagged "Bankruptcy"

Urban Myth # 3 Bankruptcy is a simple process

For some reason, a lot of people I speak to have an understanding that bankruptcy is a simple process. You just sign some papers, go to court, wipe out your debts and then go in peace. In other words, it is a walk in the park. Some call my office wanting to just talk for a few minutes and ask a couple of questions and expect they can get a quick consultation over the phone. I am not sure why people fees this way about bankruptcy; maybe these false impressions are because they think that if they can't pay their debt, they are entitled to a bankruptcy discharge. Most of my clients are surprised that there is more than meets the eye.

Bankruptcy Urban Myth #2 If property is given to me, it is not part of my estate

Property gifted to you is property of the bankruptcy estate. An engagement ring, jewelry, family heirlooms, are all items that are included in a bankruptcy estate. The mere fact that you received something by gift does not alter your ownership interest. You simply own it whether you paid for it or not. Can you give it back? Yes, but that transfer can be avoided in bankruptcy, which means in bankruptcy the person appointed to oversee your case can recover the jewelry that you gave back. The bankruptcy estate includes all property that a person may have sentimental or emotional attachment and that attachment can be so strong that a person opts not to file for bankruptcy. 

Bankruptcy Urban Myth #1 I can keep my car, right?

I can keep my car in bankruptcy, right? Most people think that they get to keep a car in bankruptcy. It makes sense, right. You need a car to get to work to pay the bills, including your credit cards and other monthly expenses. If you do not have a car, you cannot get to work and will be unable to pay those bills. So, therefore, I am entitled to a car. Well not exactly. 

  • "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
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