Change Your Mortgage


Sacramento, California, Mortgage Modification Attorney

If you currently owe more money on a second home or vacation property than the declared property value, there are legal options available through Chapter 13 or Chapter 11 bankruptcy that allow you to restructure your mortgage to lower the principal balance. Your second mortgage on your principle residence may also be completely eliminated if your home’s value has declined.

I am debt relief attorney Mikalah Liviakis. I opened my law firm with a commitment to focus strictly on helping my clients seek debt relief in order to build a stronger financial future for themselves. Since then, I am proud of my record of helping many individuals and families build personal assets by restructuring their mortgage on their personal property in order to avoid foreclosure, or to reduce their loan to reflect the reduced value of the property.

More Than Just Getting Out of Debt — Change Your Mortgage, Build Your Future

The Liviakis Law Firm has earned a reputation for focusing on debt relief as a means of improving your financial future. If you took out a mortgage on a second home, commercial property or real estate but it is no longer valued at the original loan amount, bankruptcy rules allow you to revalue the property to reduce the amount you owe on the loan. In addition to property revaluation, I will renegotiate a lower interest rate, which can be as low as prime plus a nominal margin. Investing the savings you realize each month is a sound financial strategy to help you build a stronger financial future. To help you protect your growing personal assets, I also offer a range of estate planning services and tools.

Chapter 13 or Chapter 11 Bankruptcy as a Means to Build a Stronger Financial Future


Filing bankruptcy is not something you should do without serious consideration. A Chapter 13 personal bankruptcy or a Chapter 11 business bankruptcy on your record will affect your credit rating for many years. It is, however, a legitimate strategy that can be used to improve your finances in order to continue to build personal wealth, free of debt.

With offices conveniently located in Rancho Cordova and Sacramento, I represent clients in communities throughout Sacramento County, El Dorado County and Placer County, California. My offices are open 9 a.m. to 5 p.m. Monday through Friday and include free parking.

Contact an office near you for a free initial phone consultation with an experienced, knowledgeable Sacramento bankruptcy attorney who is ready to help you start building a secure financial future. The bankruptcy lawyer you hire will make a difference in the outcome of your case and the outlook for your financial future.

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Start Your New Financial Direction.

    Client Testimonial

    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 professional handling of the case gave me confidence that the matter would be done right.

    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 out very well. It was an easy experience and no stress at all.

    They Truly Cared

    After interviewing several lawyers, I decided to use Miki. Miki and his staff were knowledgeable and helpful throughout the process. They kept me informed every step of the way and made me feel like they “cared”. I have worked with a number of attorneys over the past 25 years and Miki is someone whom you can trust.

    Definitely Recommend

    I would definitely recommend Atty. Liviakis to anyone that I know that needs help to sort out their financial problem. Very easy to talk to and always prompt when I have questions. Chapter 11 Client

    Mikalah was the most informed and knowledgeable proffesional i have ever had the privilege to work with.not only did he handle our case succesfully,he treated us with dignity and respect in a very tough time. I highly recomend this attorney he is a man with integrity,a true professional.

    Chapter 7 Client

    Liviakis Law Firm was professional and empathetic to my situation. I felt that I could discuss my situation without judgment or feeling shame. I appreciated the quick communication and professional demeanor of all staff.