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  • Writer's pictureTimothy J. Sierra

Frequently Asked Questions

1.) How long does bankruptcy usually take?

Filing for bankruptcy can take various amounts of time depending on if you file for a Chapter 7 or Chapter 13. For instance, Chapter 7 cases usually take four to six months to complete, whereas Chapter 13 cases can take 3-5 years to complete. To learn more about whether Chapter 7 or Chapter 13 is right for you, check out our full page on the subject.

2.) Can I actually get out from under my debt?

Yes, bankruptcy works and it can work for you too. Filing for bankruptcy can eliminate your dischargeable debt and help you get out from under the financial problems you are facing. Additionally, filing for bankruptcy will help you develop a debt management strategy that will allow you to have a fresh start in your financial future. To learn more, check out our page on what debts are forgiven in bankruptcy.

3.) Can creditors garnish my wages?

Yes, in the State of Florida creditors are allowed to garnish your wages. One of the benefits of filing for bankruptcy is the automatic stay provision that prevents creditors from garnishing wages.

4.) Why hire Timothy J. Sierra?

Here at Timothy J. Sierra, we offer a free initial consultation. It's important to us that we quote you a price that is unique to your situation. Often, attorneys will structure a payment plan while the bankruptcy petition is being processed. However, most attorneys require all fees be paid prior to filing. In addition to legal fees, there are filing fees. However, all of these questions and more can be discussed during your free initial consultation. I care and value all of my client’s time, and I am committed to finding an approach that will give you a fresh start from your current financial situation. To learn more about Timothy J. Sierra, check out our firm overview page.


DISCLAIMER: We at Timothy J. Sierra Attorney at Law would like to state that our blog posts and links, on our web page or any other social media outlet, to any other web pages are not intended for legal advice. We are not responsible for third party website information. If one is in need of legal advice please contact an attorney directly.


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