Credit Report Errors After Bankruptcy

February 20th, 2015 | On Behalf of Liviakis Law | Posted in Debt Relief

One of the most common reasons people file bankruptcy is to get a “fresh start.” But for many folks, that fresh start is hard to come by because of credit report errors. Creditors often fail to report an updated status for discharged accounts or continue to report their pre-discharge status and balance.

Such creditor conduct has a significant effect on consumers. Obviously, bankruptcy itself has a . . .
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The Automatic Stay in Bankruptcy Blocks Creditors

February 13th, 2015 | On Behalf of Liviakis Law | Posted in Bankruptcy

For many folks in the greater Sacramento area, the most valuable component of a bankruptcy is the automatic stay, which is usually gained immediately upon the filing of the initial bankruptcy documents. The stay stops most creditor actions against a debtor, including foreclosures, repossessions, garnishments, utility shut-offs, and, most of the time, evictions. The stay can also be effective in ending creditor collection efforts and . . .
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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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