Bankruptcy Law Blog

Filing for Chapter 13 bankruptcy is often viewed through a narrow lens—one focused on restriction, discipline, and, above all, time. In Sacramento, where rising living costs, economic volatility, and financial stress are increasingly common, many individuals and families ask the same question: “Is it hard to wait 3–5 years for a Chapter 13 plan to finish……

Lawsuits during a Debt Relief Program can be particularly stressful. You’re already struggling to manage your finances and repay debts, and then you get hit with a lawsuit. It feels like you’ve been kicked while you’re down, but it’s essential to remain calm and remember it’s not the end of the world. In such a…

Bankruptcy is a difficult subject. Countless people have had to face the humiliation, fear, and frustration that accompany a bankruptcy filing. When the financial strain becomes unbearable and you need relief, the Liviakis Law Firm is here to help. Founded on a philosophy of understanding, patience, and trust, we provide extensive bankruptcy law services to…

If you’re considering bankruptcy as a means to erase or manage your debt, it’s important to understand the differences and implications of the types of bankruptcies available. In the U.S, the most commonly filed types of personal bankruptcies are Chapter 7 and Chapter 13, both of which can provide relief from overwhelming debt, but in…

At Liviakis Law Firm, we’ve worked with numerous clients who are concerned about what will happen to their assets when they file for Chapter 13 bankruptcy. While it’s a valid concern, the truth is that Chapter 13 bankruptcy is designed to help debtors reorganize their debts while keeping their assets intact. In this article, we’ll…

Become knowledgeable on how to protect the equity in your home, using Chapter 13 bankruptcy, with guidance from the highly reputed California bankruptcy attorneys at Liviakis Law Firm. What is Equity, and What’s Its Importance? Home equity, the difference between your current mortgage balance and the fair market value of your home, is not simply…

If you find yourself in a situation where wage garnishments are overwhelming your budget, it can feel like you’ve been put in the worst financial nightmare. It can consume your thoughts and limit your lifestyle choices. However, there is a solution that offers immediate relief. A Chapter 7 Bankruptcy can stop a California wage garnishment…

The process of filing for Chapter 13 bankruptcy in Sacramento, California, is not one to be taken lightly. It requires careful thought, planning and legal guidance through what can often be a complex and overwhelming procedure. With the help of an experienced bankruptcy attorney, such as those at the Liviakis Law Firm, individuals can navigate…

If you’re in a financial hardship and are filing for Chapter 7 bankruptcy in Sacramento, CA, the idea of filing a subsequent Chapter 13 bankruptcy can seem daunting. While the law does not categorically rule out the possibility of filing for Chapter 13 bankruptcy after a recent Chapter 7 case, it does come with its…

The decision to file for bankruptcy is never an easy one. In most cases, this daunting task can be overwhelming, and understandably so. A wave of questions could immediately flood your mind: How does this work? What must I do? Whom should I involve? For Sacramento residents, it might seem very enticing to solicit the…