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Using Bankruptcy to Keep the Lights On

Liviakis Law Firm Team

When you’re behind on your utility bills, it can be a severely stressful situation. Odds are, that if your utilities are being shut off, this is just the tip of the financial issue iceberg for you. On a positive note, by filing bankruptcy, you can be protected from utility shut-off, including your gas, water, electricity, and telephone.

Afforded to consumers by the “automatic stay”, once you filed bankruptcy, the utility services company can’t refuse or disconnect your services, much in the same way that creditors must stop all collection attempts. This reprieve, however, is only temporary and you must show a good faith effort to pay what you owe and provide “adequate assurance” of payment within 20 days after filing for bankruptcy. Proof of “adequate assurance” is a monetary deposit, account co-signer, or other form of assurance that utilities company agrees upon.

Before resorting to this, you can contact the Utility Company directly to see if alternate payment plans can be arranged. For example, some utilities offer customers the ability to push back a pay date by a week or two. Other times, you can allow a month or maybe even two to go by before you actual face a shut-off. If you have already received a notice that your services will be shut off, time is of the essence. If you consult a Sacramento bankruptcy attorney and discover that bankruptcy is your best option, then an emergency bankruptcy may be needed to ensure that you don’t lose any services. This is a method of bankruptcy that allows your utilities to stay on, while you gather the necessary information needed in a bankruptcy filing.

Don’t delay in taking an account of your financial situation if you are facing a utility shut-off, home foreclosure, or vehicle repossession. Ignoring the issue will not help at all. Contact a local bankruptcy attorney to ensure you are making and educated decision about how to obtain debt relief.

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Former Office
1215 K St

Sacramento, CA 95814

Phone: 916 459 2364
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Phone: 916 459 2364

Client Reviews

Mr. Liviakis is extremely knowledgeable and answered all of the questions that we had about our situation. He made a really difficult time manageable with his help and expertise. I would definitely recommend...

Lindsey Joyner

Mik is a great attorney. Very friendly & professional. Price is was bit high compared to other firms. Probably the highest I've seen. If price your thing, checkout other firms. Other than that, Mik will get the...

Oi Vinn

Mik helped us save our home and settle with creditors during the pandemic after we were forced to close our family business for over a year. I am forever grateful. He was kind and professional and followed up...

Jina and Steven Hale

Mr. Liviakis was timely and professional. He patiently answered questions and explained the process. He provided handouts that clearly outlined due dates. The firm's paralegal was very easy to work with. I...

Wes Pohl

I nothing but great Experiences, and great service.

Tony Boone

Positive: Professionalism, Quality, Responsiveness, Value

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