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Posts tagged "credit card debt"

Dealing with unlawful debt collection

There are many people across the country, including in the Tampa area that have some kind of debt. At Timothy J. Sierra, Attorney at Law, we work with people who are in debt every day so we understand the many difficulties that you can face when you are in this kind of situation.

How to choose competent credit counseling

There are many people in the Tampa area who face credit, as well as other types of financial problems. When someone is in deep financial trouble he or she should probably look for help to get out of that situation, there are many different options for someone who has credit problems. Some options are better than others depending on a person’s specific situation. One method of relief is to find a credit counselor.

Tips on Disputing Errors on Your Credit Report

Errors on credit report are common occurrences. You might be someone who is affected by these mistakes on your report and you do not even realize it. Having a credit report error is very serious, and could severely hinder someone's credit score. It only takes one error on a report to lower your credit score and then end up paying thousands of dollars on high interest payments.

Recover from Credit Card Mistakes of the Past

People who find themselves swarmed by credit card debt, that could possibly be from years ago, sometimes are overwhelmed and do not see a way to bounce back. It might seem impossible to recover, but there are ways to get back to financial stability. Here are tips to help ease some past credit card mistakes:

Protection from Debt Collector Harassment

Many people who are in debt or once were are well familiar with the constant attention from debt collectors. Debt collectors can be persistent and cause a lot of stress for those who are in debt, by hassling them at inappropriate times or trying to contact others personally to get more information about the debtor in question. Luckily, the federal Fair Debt Collections Practices Act (FDCPA) makes certain collection procedures illegal for debt collectors to implement. Knowing what debt collectors can and cannot do is important as an individual to understand that you have rights that protect you from collection harassment.

Are Americans learning to be responsible with credit cards?

Although just about everyone in the Tampa area, and elsewhere, understands the dangers of having too much debt, that doesn’t stop most Americans from carrying their fair share of unpaid credit card debt. Credit card debt can lead to a lot of financial problems both in the present and in the future. However, there may be some good news for the overall credit card debt picture in the country.

Rebuilding Credit Post-Bankruptcy: How to Become Credit Savvy

Being aware of how to manage credit is not an easy task. Many people post- bankruptcy, need to learn to keep their credit in check and by following some simple tips for credit will help those struggling with credit to make the best decisions possible and become a better consumer with credit.

  • "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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