Business Details
Your Trusted Bankruptcy Attorney in Central California
Labiak Law Group is a dedicated legal practice serving clients across California's Central Valley. Our firm prioritizes accessibility and personalized service, ensuring clients work directly with attorney Stephen Labiak at every stage. We specialize in bankruptcy law, civil litigation, medical malpractice, and personal injury cases, with a proven track record handling matters ranging from $10,000 credit card debt to complex $4,000,000 cryptocurrency disputes.Our approach focuses on alleviating client burdens by taking ownership of legal challenges, offering 24/7 availability for urgent concerns, and providing clear guidance through complex processes. With offices in Fresno, Visalia, and Hanford, we combine local expertise with comprehensive legal knowledge to protect client interests in bankruptcy proceedings, asset protection, and debt relief strategies.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Settlement
Bankruptcy Exemptions
Medical Malpractice
Personal Injury
Foreclosure Defense
Tax Debt Relief
Asset Protection
Civil Litigation
Highlights and features
- Board-certified bankruptcy specialists with 1000+ successful cases
- Direct attorney access 24/7 for urgent legal concerns
- Proven success with complex cases up to $4M in debt
- Local expertise in Fresno, Visalia, and Hanford courts
- Customized debt relief strategies for unique financial situations
Associations and certifications
- U.S. Congress Debt Relief Agency
What people say
Man of character
Positive experience
Excellent
Thorough explanations
Compassionate approach
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy eliminates unsecured debts through asset liquidation. This process typically takes 3-5 months and is ideal for individuals with limited assets. Our attorneys help protect exempt property while discharging qualifying debts like credit cards and medical bills. Clients receive immediate relief from creditor harassment through the automatic stay provision.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy restructures debt into manageable payments over 3-5 years. This option preserves assets while reducing secured debt obligations. Our firm specializes in mortgage cramdowns and car loan rewrites to save client assets. The process stops foreclosures and reduces tax liabilities through court-approved repayment plans.
Debt Settlement
Debt Settlement resolves unsecured obligations through direct creditor negotiations. Our attorneys leverage bankruptcy threat potential to achieve favorable settlements. This service handles credit card debt, medical bills, and disputed liabilities while protecting client assets through strategic exemption planning.
Bankruptcy Exemptions
Bankruptcy Exemptions preserve client assets during proceedings. We utilize California's 703 and 704 exemption codes to protect homes, vehicles, and cash reserves. Our expertise maximizes exemption allowances while ensuring compliance with federal and state bankruptcy regulations.
Foreclosure Defense
Foreclosure Defense stops home seizures through bankruptcy filings. Chapter 13 plans reinstate mortgage arrears while eliminating second liens. Our urgent intervention halts auction sales and creates repayment solutions tailored to client financial capabilities.
People
Stephen Labiak
Attorney
Stephen Labiak is a board-certified bankruptcy attorney with extensive experience in debt relief solutions. He personally handles all client consultations and court appearances, offering 24/7 availability for urgent matters. His practice spans bankruptcy law, civil litigation, and personal injury cases.
Questions
What bankruptcy chapter is right for me?
Chapter 7 eliminates unsecured debt for low-income filers, while Chapter 13 restructures payments for higher earners. Our free consultation analyzes your income, assets, and debt type to determine the optimal solution.
Will I lose my home in bankruptcy?
California exemptions protect primary residences up to $75,000-$175,000 equity. Chapter 13 stops foreclosures entirely, allowing mortgage arrears repayment over 5 years while eliminating second liens.
How does the bankruptcy process work?
The process begins with a free consultation to assess your financial situation. We prepare required documents, file your petition, and represent you at the 341 meeting. Chapter 7 takes 3-4 months, while Chapter 13 requires 3-5 years of payments.
Can tax debts be discharged?
Certain tax debts qualify for discharge under Chapter 7 or reduction through Chapter 13. Eligibility depends on debt age, filing status, and tax type. Our experts analyze your specific tax obligations during consultation.
What assets can I keep?
California exemptions protect household goods, retirement accounts, and vehicle equity up to specific limits. Our attorneys maximize exemption allowances to preserve your essential assets during bankruptcy proceedings.
How long does bankruptcy stay on credit?
Chapter 7 remains for 10 years, Chapter 13 for 7 years. However, clients often rebuild credit within 2-3 years through responsible financial management and secured credit rebuilding strategies.
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