Timothy J. Sierra, Attorney at Law Trusted Florida Bankruptcy Attorney Since 1987
Call Today For A Free Initial Consultation
813-463-2256

Posts tagged "debt relief"

Is Bankruptcy Your Best Debt Relief Option?

Bankruptcy exists for the purpose of helping those people who truly need debt relief. Understanding when bankruptcy is the best option involves a careful look at the individual's financial circumstances and alternate options.

Huge bank layoffs could result in financial challenges for some

The past economic downturn affected many people. It caused them to be laid off, foreclose on their homes and file for Chapter 13 bankruptcy. As a result of the great financial stress that was felt nationwide, banks hired thousands of new employees to assist in processing loan modification requests and handle the influx of individuals who wanted to sign up for the excessively low interest rates.

Individuals seeking debt relief were defrauded, lost $68k

Most individuals who are struggling with debt are eager to find a solution to their rising bills. A number of debt relief scams in Tampa prey on the anxieties of those who want a clean start, and make appealing promises that are impossible to keep. As a result, the victims of these scams often end up paying out resources that put them even deeper in the hole, only to find out that their debts were never settled to begin with.

Identity theft hits kids with fraudulent consumer debt, mortgages

It's hard enough for many Floridians without the added stress of identity theft. Unfortunately, this type of crime is growing alarmingly fast, and it's negatively affecting people's credit all over the country. This can have serious consequences, from having credit card applications denied to being unable to get a car or mortgage loan. Victims of identity theft often have their credit ruined through no fault of their own, and in many cases they have no idea it's happened to them.

Ways to keep medical expenses down, stay out of debt

Medical costs can add up alarmingly fast, often for only one medical emergency, and health insurance plans don't always cover costs. Medical bills are a major cause for bankruptcy for many Americans. A financial advisor has offered a few tips that may help Floridians to stay out of deep medical debt:

How to make your tax refund count

It's tax time, and for a large number of Americans that means a nice refund check. The average tax refund check is around $3,000. Rather than frivolously spending this money, many Floridians are making wise choices with their refunds that can help them avoid future financial challenges. Here are a few options to make your tax refund count:

4 important sites to visit before choosing a credit card

A major problem that's causing a rising amount of financial challenges and other issues with American consumers is credit card debt. However, for many large purchases, it's important to have a good line of credit. Few people can afford to pay cash for a house or a car, and it's nearly impossible to walk into a car dealership or mortgage lender's office and get a loan with zero or poor credit. Building good credit is also essential for new business owners.

Some Floridians finally able to receive some mortgage relief

After suffering for years during the recession and housing crisis, there may finally be a way for homeowners facing foreclosure to get some much-needed -- and long-awaited -- help for their underwater homes. Florida is one of the states suffering the worst of the national housing market crash, and mortgage giants Fannie Mae and Freddie Mac are now offering some solutions to help many of the millions of struggling homeowners in the U.S.

Student loans challenge those struggling with overwhelming debt

Life has always been a challenge for recent college graduates. The hunt for a job and the struggle to start a decent life in the "real world" can be difficult even in the best of times. Unfortunately, Fair Isaac Corp., better known as FICO, says the problem with graduates' personal debt from student loans is worsening. Delinquent student loan payments have risen to 15 percent over the past two years -- up from 12.4 percent from 2005 to 2007.

Revised bill aims to speed up Florida foreclosures

Florida has the nation's highest foreclosure rate. A proposed bill, if passed, would speed the backlog of pending foreclosures through the process a bit faster. The controversial bill originally made it to the Florida House last year, when struggling homeowners attempting to stop foreclosure protested against it. The revised bill is a more moderate version that may speed up some home repossessions from sitting in limbo for two or more years, the current average for foreclosures in Florida.

  • "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...."
More Testimonials
Email Us Today

Schedule A Free Initial Consultation To talk to an experienced Tampa bankruptcy attorney, call 877-492-7449 or fill out the form. All calls are returned within 24 hours.

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

We Have Offices in Tampa, Riverview and Brandon For Your Convenience.

Tampa Office
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
Tampa Law Office Map

Riverview Office
6314 U.S. Highway 301 South
Riverview, FL 33578

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

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