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Your Trusted Bankruptcy Attorney in Central California
The Labiak Law Group is a dedicated legal practice serving Central California, specializing in bankruptcy law and debt relief solutions. With offices in Fresno, Visalia, and Hanford, we prioritize accessibility and personalized service, ensuring clients speak directly with attorney Stephen Labiak from the initial consultation through case resolution. Our expertise spans Chapter 7 and 13 bankruptcies, debt settlement, medical malpractice, and personal injury cases, with a proven track record of handling matters ranging from $10,000 credit card debts to complex $4 million cryptocurrency disputes. We emphasize transparency, offering 24/7 availability for urgent client needs and leveraging local knowledge of Central Valley courts to protect client assets through exemptions like Californias 703 and 704 codes.Our philosophy centers on alleviating client stress by taking full responsibility for navigating legal challenges, whether halting foreclosures, recovering repossessed vehicles, or negotiating with creditors. With decades of combined experience, we provide strategic guidance tailored to each clients unique financial situation, ensuring compliance with federal bankruptcy procedures while maintaining a compassionate, client-first approach.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Settlement
Bankruptcy Exemptions
Medical Malpractice
Personal Injury
Foreclosure Defense
Creditor Harassment Defense
Asset Protection
Free Consultation
Highlights and features
- We offer 24/7 availability for urgent legal needs.
- Our team handles cases from $10,000 debts to $4 million disputes.
- Local expertise in Central Valley bankruptcy courts and exemptions.
- Attorney Stephen Labiak personally manages every client case.
- Proven success stopping foreclosures, repossessions, and creditor harassment.
What people say
Personalized service
Stopped foreclosure immediately
Knowledgeable bankruptcy attorney
Helped us sleep at night
Highly recommend
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts like credit cards and medical bills through asset liquidation. Qualification depends on income and expenses, with exemptions protecting essential assets such as homes, vehicles, and retirement accounts. The process typically concludes in 3-4 months, providing swift debt relief for eligible individuals.
Chapter 13 Bankruptcy
Chapter 13 restructures debt into a 3-5 year repayment plan, ideal for higher-income individuals or those with non-dischargeable debts. It stops foreclosures, reduces car loan balances, and discharges remaining unsecured debt post-plan. This option allows debtors to retain assets while regaining financial stability through court-approved payments.
Debt Settlement
Debt settlement resolves unsecured obligations through direct negotiations with creditors or via bankruptcy proceedings. This service targets credit card debt, medical bills, and disputed claims, aiming to reduce total liabilities to manageable lump sums. Attorney-led negotiations leverage bankruptcy threats to secure favorable terms without court filing.
Asset Protection
Asset protection utilizes Californias 703 and 704 exemptions to safeguard homes, vehicles, and cash during bankruptcy. Our team maximizes exemptions to retain equity up to $175,000, protect $2,000+ in bank accounts, and secure personal property. Strategic planning ensures compliance with state laws while minimizing asset liquidation risks.
Foreclosure Defense
Foreclosure defense halts home auctions through bankruptcy filings, loan modifications, or court litigation. Immediate automatic stays stop lender actions, while Chapter 13 plans reinstate missed payments over time. We negotiate with mortgage companies to reduce arrears, lower rates, or eliminate second liens through lien stripping.
People
Stephen Labiak
Bankruptcy Attorney
Stephen Labiak is a board-certified bankruptcy attorney with decades of experience helping Central Valley residents resolve debt crises. He personally handles all client consultations, leveraging expertise in Chapter 7 and 13 bankruptcies, asset protection, and creditor defense. Known for 24/7 availability and a client-focused approach, he prioritizes practical solutions over corporate formalities.
Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates unsecured debt through asset liquidation and takes 3-4 months. Chapter 13 restructures debt into a 3-5 year plan, allowing debtors to retain assets while repaying creditors based on income and expenses.
Will bankruptcy stop wage garnishments and creditor calls?
Yes, filing bankruptcy triggers an automatic stay that immediately halts wage garnishments, bank levies, foreclosure sales, and creditor harassment, including phone calls and lawsuits.
Can I keep my home and car in bankruptcy?
California exemptions protect equity in homes up to $175,000 and vehicles up to $3,000 under Chapter 7. Chapter 13 allows debtors to retain all assets by repaying secured debts through a court-approved plan.
Does Labiak Law Group offer free consultations?
Yes, we provide free bankruptcy consultations to review your financial situation, explain options like Chapter 7 or 13, and create a customized debt relief strategy with no upfront obligation.
How long does the bankruptcy process take?
Chapter 7 cases typically discharge debt in 3-4 months. Chapter 13 requires 3-5 years of plan payments. The 341 meeting of creditors occurs 30-45 days post-filing, with minimal client attendance required.
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