Business Details
Your Trusted Tampa Bankruptcy Attorney
As an experienced legal professional with over 25 years of dedicated service, I specialize in guiding individuals through complex financial challenges. My practice focuses on bankruptcy law, offering tailored solutions for Chapter 7 and Chapter 13 filings, foreclosure defense, and student loan consultations. I prioritize direct client interaction, ensuring every case receives personalized attention without delegation to associates. My commitment to staying current with evolving legal standards allows me to provide accurate, strategic advice while maintaining transparency throughout the process.With a background rooted in Florida's legal community and affiliations with organizations like the Tampa Bay Bankruptcy Bar Association and NACBA, I combine technical expertise with compassionate representation. My approach emphasizes clear communication, timely responses, and flexible scheduling to accommodate clients' unique needs during challenging financial periods.
Services
Bankruptcy Law
Chapter 7
Chapter 13
Foreclosure Defense
Student Loan Consultation
Highlights and features
- We offer 25+ years of dedicated bankruptcy law experience
- Our team provides direct one-on-one attorney-client interaction
- We maintain membership in key legal associations like NACBA
- Our practice offers flexible scheduling including evening hours
- We guarantee 24-hour response to all client inquiries
What people say
Knowledgeable in his field
Very responsive
Accommodating meeting times
Thorough and advised
Highly recommend Tim
Services
Bankruptcy Law
Specialized legal guidance through Chapter 7 and Chapter 13 bankruptcy proceedings. This service helps individuals eliminate or restructure overwhelming debts while protecting eligible assets. Our practice provides comprehensive case evaluation, document preparation, and court representation to navigate complex bankruptcy laws and achieve financial fresh starts.
Chapter 7
Chapter 7 bankruptcy assistance for debt elimination through asset liquidation. We help qualifying clients discharge unsecured debts like credit cards and medical bills while maintaining exempt property. The process includes means testing, creditor meeting preparation, and ensuring compliance with Florida's bankruptcy exemptions to achieve complete debt discharge.
Chapter 13
Structured debt repayment plans under Chapter 13 bankruptcy. This service assists clients with regular income to reorganize debts through court-approved payment plans. We develop strategies to retain property, catch up on mortgage arrears, and manage priority debts while protecting clients from collection actions during the repayment period.
Foreclosure Defense
Legal defense against home foreclosure through loan modifications and bankruptcy strategies. We negotiate with lenders to restructure mortgage terms, challenge improper foreclosure practices, and implement bankruptcy stays to prevent property loss. Our approach combines legal defense with practical solutions for long-term mortgage affordability.
Student Loan Consultation
Specialized guidance for managing student loan debt through bankruptcy options. While most education loans survive standard bankruptcy discharge, we explore exceptions and alternative strategies to reduce payment burdens. Services include evaluating dischargeability, negotiating repayment terms, and developing comprehensive debt management plans for borrowers facing financial hardship.
People
Timothy J. Sierra, Attorney At Law
Attorney at Law
Florida bankruptcy attorney with 25+ years of experience helping individuals overcome financial challenges. Member of Tampa Bay Bankruptcy Bar Association and National Association of Consumer Bankruptcy Attorneys. Graduated from Indiana University School of Law in 1987 with J.D. degree.
Questions
What bankruptcy chapter should I choose?
Chapter 7 eliminates debts through asset liquidation for qualifying clients, while Chapter 13 restructures payments over 3-5 years. We'll analyze your income, debts, and goals to recommend the best option.
Can I keep my property during bankruptcy?
Florida law allows exemptions for certain assets like homesteads, vehicles, and personal belongings. We'll review your specific property and applicable exemptions during consultation.
How does bankruptcy affect foreclosure?
Filing bankruptcy triggers an automatic stay that immediately stops foreclosure. We can help modify loans or develop payment plans to save your home through Chapter 13 proceedings.
Are student loans dischargeable?
Most student loans survive bankruptcy discharge, but we can explore hardship exceptions and develop manageable repayment strategies during our fee-based consultation.
What's included in the free consultation?
The free initial consultation covers bankruptcy basics, debt analysis, and available options. Student loan consultations require separate fee-based appointments due to their specialized nature.
Reviews (2)
Michael Schlesinger
Jul 29, 2020
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Tim and Jennifer were very helpful, easy to work with, and closed our case without any issue. Would highly recommend this firm to anybody!
Lisa Porter
Jul 12, 2019
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I cannot express my gratitude for the time, effort and patience Tim had in my case. Knowing upfront that you can count on the Trust with him and his Paralegal says so much. They were on the ball to gather the information needed to put my case together. Your time is not wasted what so ever. I would highly recommend you use his practice if you need his services.
