Delinquent Debt is Common, but Bankruptcy Can Help

December 11th, 2014 | On Behalf of Liviakis Law | Posted in Uncategorized

It might surprise you to hear that 77 million Americans who have a credit file have current delinquent debt. That means that 35% of us have an unpaid bill that is at least 30 days late and has been sent to a collection agency.

Not the Whole Story

These numbers might not even tell the whole story because they don’t include people who don’t . . .
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Debt Consolidation vs. Bankruptcy

December 8th, 2014 | On Behalf of Liviakis Law | Posted in Debt Relief

Most people face financial difficulty at certain times in their lives. But for some people, the amount of stress caused by substantial debts can be completely overwhelming. If you have reached the point in your finances that you are in way over your head and can’t find a way out, you may want to consider bankruptcy or debt consolidation.

While the term bankruptcy . . .
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Bankruptcy: Before or After Foreclosure?

December 4th, 2014 | On Behalf of Liviakis Law | Posted in Bankruptcy

At times, we all face hard decisions and, most often, they get harder as we grow up. For many Americans, the economy has been a challenge, leaving many of us to make hard financial decisions. Luckily, there are people who can make such decisions easier. For anyone facing debt and foreclosure, take heart, we promise it isn’t as bad as . . .
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5 Need-to-Knows For Those with Tax Debt

November 28th, 2014 | On Behalf of Liviakis Law | Posted in Debt Relief

Are you considering filing for bankruptcy? Bankruptcy is one of the best ways to get your life back on track and can be a solution to many of your financial troubles. From credit card debt to tax debt, bankruptcy can help you get rid of your stress and help you put your life in order. But before you begin the . . .
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The Benefits of Bankruptcy Can Help to Alleviate Pre-Bankruptcy Concerns

November 11th, 2014 | On Behalf of Liviakis Law | Posted in Business & Commercial Bankruptcy

Filing for bankruptcy due to credit card or other debt may seem intimidating, but the fact of the matter is it might be the smartest financial decision you will ever make. Bankruptcy gives people the opportunity to have a fresh start on their finances and there are many benefits to filing that you should be aware of if you are considering this . . .
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20 Types of Debt You Can Discharge with a Lawyer’s Help

November 7th, 2014 | On Behalf of Liviakis Law | Posted in Chapter 13, Chapter 7

Addressing Debt

People struggle with many different types of debt. Your situation is unique from anyone else’s, and you require a unique solution. Whether you are deep in credit card debt or falling behind on your mortgage, you can receive legal help to discharge or eliminate that debt. More and more people are turning to bankruptcy as an acceptable and sensible alternative. Bankruptcy . . .
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3 Reasons to Consider Bankruptcy Right Away

November 6th, 2014 | On Behalf of Liviakis Law | Posted in Business & Commercial Bankruptcy

Below represents 3 common reasons you may benefit from filing for bankruptcy sooner rather than later:

1.     Stop Foreclosure on Your Home

Filing for bankruptcy will stop the foreclosure process the moment your bankruptcy documents are filed. You will be notified by your bank if they plan on foreclosing on your home. A deadline will be given you to either bring your mortgage current . . .
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Eliminating or Restructuring Credit Card Debt through Bankruptcy

October 13th, 2014 | On Behalf of Liviakis Law | Posted in Chapter 7, Debt Relief

If you are facing serious credit card debt problems, filing for bankruptcy may offer a powerful solution. Carrying a balance on a credit card is usually not a problem; it is when you have too much credit card debt and you can only afford to make the minimum payments that the difficulties start. Credit cards have interest rates that change periodically, . . .
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Can Bankruptcy Clear Credit Card Debt?

October 13th, 2014 | On Behalf of Liviakis Law | Posted in Chapter 7, Credit Card Debt

When you find yourself in a mountain of debt, declaring bankruptcy may be your best, if not your only, course of action. We feel like it is extremely important to know how declaring bankruptcy will affect your debt and your future. Talking to an experienced bankruptcy attorney is something you need to do before you make the decision to declare bankruptcy. . . .
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Getting Relief from Credit Card Debt

May 9th, 2014 | On Behalf of Liviakis Law | Posted in Credit Card Debt

At Liviakis Law Firm, you will find answers to your questions about whether or not filing for bankruptcy will eliminate your credit card debt. Most people have unsecured and secured debt. Unsecured debt is debt that is not tied to any property. Medical bills, utility bills, personal loans, and credit cards are all considered unsecured debt. Home mortgages and vehicle . . .
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