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Rancho Cordova, CA
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What our customers say:
Above and Beyond
How does one really express their true feelings with going through the pain of drowning in debt? I would like to share is that from the moment I walked into Mikalah Liviakis office I could start to feel the since of relief. Once I signed my name on ...
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Wonderful Bankruptcy Attorney!
I retained Mr. Liviakis after a very bad experience with another lawyer who basically abandoned my case. Mr. Liviakis was thorough in his analysis of the law and the facts of the case and very prompt in responding to all of my questions. His ...
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Professional and Talented Attorney
Very professional and talented bankruptcy attorney. He helped me though a very difficult situation. I recommend Liviakis to others in the community of Sacramento. Liviakis took time to answer all of the bankruptcy questions that I had. My case turned ...
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Bankruptcy Attorney in Sacramento CA
Starting Bankruptcy Restarts Your Life
Chapter 7 Bankruptcy refreshes you financially by clearing away your debts. Our clients know that creditors pursue them until they deal with their debts. Avoiding financial problems only leads to more debt and higher stress. That’s why each time another one of our clients starts Chapter 7 Bankruptcy they begin a positive financial future in life.
Our law firm starts the legal process by preparing to file bankruptcy but our legal experts represent you far beyond securing a discharge of your debts. After you are debt free we work to rebuild your financial status with a clear credit report and a solid asset plan for your family. Regaining your credit after bankruptcy takes careful attention from our award winning Sacramento Bankruptcy Attorneys. We evaluate your credit report to ensure that your accounts are accurately reported. And when you’re back on your feet we will start a will and trust to protect your family’s financial future.
Why so many choose the bankruptcy lawyers at Liviakis Law Firm
Confident Obtaining Debt Relief for Our Clients
After representing hundreds of clients across Sacramento, California and consistently achieving winning results, we know that we can handle almost any bankruptcy case, even the complicated ones. We’ve won numerous client service awards from avvo.com and lawyers.com and we continue to impress our customers with a broad range of experience and knowledge in bankruptcy law. Our confidence gives us the edge when developing debt relief plans. We know how to meet the rules of law of the bankruptcy court and give you an advantage in your case. Even though confidence and experience doesn’t come without a cost, we maintain that our affordable flat-fee pricing presents one of the best values in Rancho Cordova, California.
Aggressive Filing Chapter 7 and Chapter 13 Bankruptcy
Liviakis Law Firm finds the best legal strategy to reduce your debt after considering a variety of debt relief options. While some attorneys simply rely on chapter 7 to discharge debt problems, our lawyers go beyond the obvious and consider chapter 13 and debt settlement at the same time as chapter 7. That’s because chapter 7 isn’t always the best option even if you qualify. Chapter 7 places valuable assets like cars, houses, and even recent pay checks in the hands of the United States Trustee. That’s why we evaluate chapter 7 along with other debt relief options to find the very best choice for you. Chapter 13 bankruptcy plans frequently save debtors more money on their car and house loans. Our award winning lawyers are determined to find the best debt relief option even if its not chapter 7.
Responsive to Bankruptcy Court
Our attorneys move with speed and precision because it makes a difference in the outcome of a chapter 13 bankruptcy case. We monitor your case and prepare in advance for the next step in the bankruptcy process even before its needed. That way when the bankruptcy court requires information to process your legal matter we can respond quickly to move your case forward. We respond to the debt relief court with a schedule of assets and means test information about your income to help the court understand why you deserve to reduce your debt. The information we gather gives us leverage and strength when dealing with creditors and this gives you the greatest chance of moving forward with a debt free future. We know our clients well because we communicate with them to get the right information. We understand that you only want to file bankruptcy once and the process should be as short as possible.
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Benefits of Bankruptcy
Stop Creditors from Bogging Down Your Credit
Creditors continue to report late payments and delinquent accounts on your credit report to pressure you to pay debts you cannot afford. Filing bankruptcy stops creditors and clears away reoccurring derogatory information that creditors report each month. This is the first step to financial recovery after you have been in debt for a long time.
Protect Your Car and Home From Creditors
Many home and cars are lost to persistent creditors because consumers fall behind and don’t have a plan to catch back up. Filing chapter 13 gives you more time to pay your car and house at reduced rates so that you have a chance to find a job or recover from medical problems.
Pay Off Credit Cards Fast without Interest
Ever get the feeling that you just keep paying and your credit card debt never goes anywhere? That’s because credit cards have incredibly high interest rates. They are actually designed so that you will pay them your entire life. Chapter 7 bankruptcy completes your obligations to credit card companies immediately upon filing. While Chapter 13 deals credit card companies a blow too by stopping them from collecting any interest.
Chapter 7 Bankruptcy compared to Chapter 13 Bankruptcy
Chapter 7 is definitely the most common type of bankruptcy. It works well for low income debtors that don’t own much real or personal property. It is preferred by most as a way to clear away credit card and medical debt. Debtors do need to be cautious though when they owns real estate because in a rising market they may risk losing their home in chapter 7.
Chapter 13 is most often misunderstood as a full repayment type of bankruptcy. It’s simply false that debtors have to pay back all their debts. Many people file chapter 13 and pay nothing toward their credit card debts and medical debts. And compared to chapter 7 it has the added benefit of being able to reduce car payments and IRS payments. Finally, chapter 13 comes off the credit report up to three years faster than chapter 7.
A Simple Way to File Bankruptcy
Our firm directs you though the bankruptcy process with a clear set of instructions. Liviakis Law Firm simplifies filing for bankruptcy and petitioning the court for a discharge of your eligible debts. Our bankruptcy attorneys explain the difference between chapter 7 and chapter 13 and we share our clear formula for getting out of debt. We help you get a fresh start by discharging stubborn debt problems by filing chapter 7 bankruptcy while protecting property from creditors. Our experienced debt attorneys stop creditors from harassing you. Filing chapter 13 bankruptcy can reduce high interest rates and give you time to catch up on late mortgage payments that might otherwise lead to foreclosure. We answer your questions and carefully explain the benefits and limitations of each alternative, given your individual circumstances and needs. We also settle debts out of court by developing reduced payment plans.
Filing Chapter 13 Bankruptcy to Ease Financial Difficulties, Preventing Foreclosure After a Lost Job
Did you know that the greatest myth about chapter 13 is that a debtor must pay back all debt. Chapter 13 bankruptcy prioritizes your creditors so you can pay your most important creditors on time, while less important creditors are paid less. Reorganizing debt helps keep your home out of foreclosure while you catch up on your mortgage payments.
Learn more about our focus on modern solutions to debt problems, my philosophy of working with clients, and my approach to providing sound advice and effective legal representation. With offices conveniently located in Rancho Cordova and Sacramento, we represent clients in communities throughout Sacramento County, Solano County and Placer County, California.
Chapter 7 Debt Relief and the Benefits of the Automatic Stay
Regardless of the source of your financial difficulties, we will work together to create a customized solution to restore your financial strength and provide a secure, debt-free future. Filing bankruptcy creates an automatic protection against most creditor actions, like wage garnishment and law suits. We handle cases regarding:
The bankruptcy lawyer you hire will make a difference in the outcome of your case and the outlook for your future. To get on the right track for a secure financial future, contact our office for a free initial consultation with an experienced, knowledgeable Citrus Heights and Carmichael foreclosure and bankruptcy attorney.
Winner of 2012 and 2013 Clients Choice Award