The bankruptcy attorneys at Liviakis Law Firm represents individuals and businesses throughout Sacramento, CA to eliminate debt, reorganize mortgage debt, and to settle disputes with creditors. We offer Chapter 7, Chapter 13, Chapter 11, Chapter 12, and debt settlement services. We help Northern California area residents with their personal and business financial challenges. The firm is focused on results and has earned recognition in bankruptcy and debt reorganization. When you are in over your head give our experienced California bankruptcy attorneys a call because we stop creditors from bothering you, we help eliminate debt, and we get you back to a successful financial future.
California bankruptcy lawyer Mikalah Liviakis is well known for helping clients relieve themselves of overwhelming debt. During 2012 and 2013 Liviakis won client satisfaction awards for helping people with debt and providing excellent customer service.
The Liviakis Law Firm uses California bankruptcy law to eliminate debts, help retain property, and help rebuild a better financial future. Liviakis starts by stopping creditors from collection and then helps to rebuild your credit after bankruptcy. When your debt is more than you can handle you need debt relief solutions to avoid being taken advantage of by credit card companies with high interest rates and mortgage companies that have put your into mortgage you can't afford. Just give our experienced attorneys a call.
Most people that need debt relief choose Chapter 7 or Chapter 13 bankruptcy depending on their level of income and what kind of debt they have. Our California bankruptcy attorneys help you choose the right type of bankruptcy for a fresh start.
Chapter 7 is a liquidation bankruptcy intended to clear away unsecured debts like credit cards, pay day loans, and medical debt. To qualify for Chapter 7 bankruptcy, you must pass the means test. The means test provides income guidelines for each person based on their family size and where they live. The Liviakis Law Firm calculates the means test for you based on your pay stubs.
Chapter 13 reorganizes your debt and in many case unsecured creditors (credit cards, ect.) still receive little to no payment. Mortgages and car loans on the other hand receive a reduced amount that fits within your budget and allows you to stay in your home and keep driving your car. That means that hard working individuals keep more of their income for living expenses to support their family. Many debtors choose to file for Chapter 13 bankruptcy because it helps them catch up on their mortgage payments, avoid foreclosure, and to retain their real and personal property, while protecting it from creditors.
We will help you qualify for bankruptcy even in tough cases where you have a unique financial situation or you make more money than the average person we can still help you reduce debt. The good news is that bankruptcy does not require you to hand over your possessions. The Liviakis Law Firm understands how important your property is and we know how to protect it from the creditors. Our attorney use a variety of strategies to keep you in your home, save your retirement and your bank accounts.
When we file bankruptcy we will actually be reseting your credit. That means that the late payments, defaults, foreclosures, and repossessions that are 90 days or more past due, will be reset. This is crucial to actually improving your credit and your score. Just ask us for a special credit report and we can project your credit score after bankruptcy. Often times is will likely increase in the future.
We don't rush you through the process and we answer your questions along the way.
The reason our bankruptcy attorneys are highly rated is that we develop a customized plan for each clients so that they feel comfortable through the process and we are in a position to meet all of our debt relief objectives.
That's why California residents choose the Liviakis Law Firm. We help you stop creditors from pursuing you, eliminate most debt, and keep your possessions. We've been helping residents all over Northern California and we have won numerous client satisfaction awards for our accomplishments.
For a Free Case Evaluation from one of our Debt Elimination Attorneys Call Us Today!