Born and raised on Long Island in Merrick, New York, Tim had strong family ties to South Florida before moving to the Sunshine State in the mid-1990s. He is from an immigrant half Italian Catholic, half Jewish family, which taught him the traditional values of honesty and hard work. Tim ran cross-country and track in high school and college, including on his high school varsity state championship cross-country team. As a teenager and young man, he worked in a wide variety of manual labor jobs, from delivering newspapers and cutting lawns to pumping gas, painting houses, loading trucks in a plastics factory, and picking avocados on a kibbutz in northern Israel.

Tim attended public schools K-12, completed his undergraduate studies in government and economics at Franklin & Marshall College in Pennsylvania, earned a law degree, with honors, at the Georgetown University Law Center in Washington, D.C., and was a Swedish Institute Visiting Scholar at the University of Stockholm.

As a legislative aide to the late U.S. Senator Paul Tsongas (Democrat, Massachusetts), Tim worked on a range of regulatory and human rights issues. While working on Capitol Hill, Tim began warning about the rise of Wall Street special interests and the assault on working families. In the early 1980s, he wrote critically about the deregulation of interest rates and lending standards and the rise of subprime and predatory lending. These practices would eventually have a devastating effect on the people of Florida when real estate markets crashed in 2008. To this day, Florida still has the highest rate of foreclosure in the country, with over 300,000 open foreclosure cases in state courts.

In the 1990s, while an associate attorney at a prominent law firm and then as a visiting professor at the University of Miami, Tim opposed efforts to weaken the 1933 Glass-Steagall Act firewalls that had separated commercial banking from the risky securities markets. He also cautioned about the rise of complex derivative financial instruments that were turning the United States into a “casino” economy. In the early 2000s, Tim warned about the growing bubble in housing prices and called for increased supervision of Wall Street banks and financial markets. He was one of the few law professors in the country who consistently opposed Alan Greenspan as chairman of the Federal Reserve Board, including a 1996 op-ed in the New York Times opposing Greenspan’s reappointment.