If you are struggling with overwhelming debt that never seems to go away, you’re not alone, and you do have options. Bankruptcy is often misunderstood, but in reality, it’s a smart financial tool that can help you rebuild stability and peace of mind.
At Kostopoulos Bankruptcy Law, our Michigan and California attorneys combine compassion with proven experience. We believe clients deserve guidance from a firm that’s backed by the right credentials, results, and reputation—and that’s exactly what we deliver.
We’re proud to be recognized by leading bankruptcy organizations and trusted by clients across Michigan and California for reliable, ethical representation.
Real clients share how we’ve helped them protect their homes, stop creditor calls, and find lasting financial relief. Your success story could be next.
Contact Kostopoulos Bankruptcy Law for a free case evaluation from a bankruptcy attorney by phone at (877) 586-1829 or by submitting your details online.
If you are experiencing financial distress, you can turn to our legal team of bankruptcy attorneys for help! We can help you understand and determine If bankruptcy is right for you or if there is another way to help you outside of bankruptcy. If it is, our bankruptcy law firm can walk you through the process of filing for either Chapter 7 or 13. Our bankruptcy lawyers also explain bankruptcy law.
Chapter 7 allows debtors to discharge (or wipe out) many types of unsecured debts, such as medical bills, collection accounts and credit card debt.
Meanwhile, Chapter 13 is the debt consolidation part of the bankruptcy law that allows the debtor to pay off all or a portion of his or her debt over a period of three to five years under a reorganized repayment structure.
Ready to get started? Reach out to our team today for a free case evaluation by phone at (877) 586-1829 or by submitting your details online.
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A reaffirmation agreement allows you to keep a secured debt, like a car loan, and continue making payments in exchange for keeping the collateral.
A reaffirmation agreement allows you to keep a secured debt, like a car loan, and continue making payments in exchange for keeping the collateral.
Read LessYes, your bankruptcy case can be dismissed for various reasons, such as failing to meet filing requirements, not attending the 341 meeting, or not making plan payments in Chapter 13.
Yes, your bankruptcy case can be dismissed for various reasons, such as failing to meet filing requirements, not attending the 341 meeting, or not making plan payments in Chapter 13.
Read LessWhile you can file for bankruptcy without a lawyer, it's strongly recommended to seek legal counsel. Bankruptcy is a complex process, and an experienced attorney can guide you through it, protect your rights, and ensure the best possible outcome.
While you can file for bankruptcy without a lawyer, it’s strongly recommended to seek legal counsel. Bankruptcy is a complex process, and an experienced attorney can guide you through it, protect your rights, and ensure the best possible outcome.
Read LessChapter 7 involves liquidating assets to pay off debts, while Chapter 13 allows you to keep assets and repay debts over time. The best option for you depends on your income, debts, and assets. Our attorneys can help you determine the right path.
Chapter 7 involves liquidating assets to pay off debts, while Chapter 13 allows you to keep assets and repay debts over time. The best option for you depends on your income, debts, and assets. Our attorneys can help you determine the right path.
Read LessThe 341 meeting is a brief hearing where creditors can ask you questions about your debts and assets under oath. Your attorney will be present to represent you and ensure the process goes smoothly.
The 341 meeting is a brief hearing where creditors can ask you questions about your debts and assets under oath. Your attorney will be present to represent you and ensure the process goes smoothly.
Read LessYes, you'll typically need to attend a 341 meeting of creditors in bankruptcy court. However, it's usually a brief meeting where your attorney will represent you. Kostopoulos Bankruptcy Law will prepare you for the meeting and ensure a smooth process.
Yes, you’ll typically need to attend a 341 meeting of creditors in bankruptcy court. However, it’s usually a brief meeting where your attorney will represent you. Kostopoulos Bankruptcy Law will prepare you for the meeting and ensure a smooth process.
Read LessYes, filing for bankruptcy triggers an automatic stay, immediately halting wage garnishment and other collection actions. Our attorneys can help you utilize bankruptcy to protect your wages.
Yes, filing for bankruptcy triggers an automatic stay, immediately halting wage garnishment and other collection actions. Our attorneys can help you utilize bankruptcy to protect your wages.
Read LessYes, medical bills are generally dischargeable in bankruptcy, providing significant relief from overwhelming medical debt.
Yes, medical bills are generally dischargeable in bankruptcy, providing significant relief from overwhelming medical debt.
Read LessBankruptcy can discharge most unsecured debts like credit card debt, medical bills, personal loans, and certain business debts.
Bankruptcy can discharge most unsecured debts like credit card debt, medical bills, personal loans, and certain business debts.
Read LessCertain debts like most student loans, child support, alimony, and some taxes are typically non-dischargeable. Kostopoulos Bankruptcy Law can clarify which debts you can eliminate through bankruptcy.
Certain debts like most student loans, child support, alimony, and some taxes are typically non-dischargeable. Kostopoulos Bankruptcy Law can clarify which debts you can eliminate through bankruptcy.
Read LessFactors like high income, recent prior bankruptcies, or failure to complete credit counseling can disqualify you. Our attorneys in Oakland, CA, and other locations can help you understand the eligibility requirements.
Factors like high income, recent prior bankruptcies, or failure to complete credit counseling can disqualify you. Our attorneys in Oakland, CA, and other locations can help you understand the eligibility requirements.
Read LessThe timeline for filing bankruptcy depends on the chapter you choose. Chapter 7 typically takes 4-6 months, while Chapter 13 can take 3-5 years. Kostopoulos Bankruptcy Law can streamline the process and guide you through each step.
The timeline for filing bankruptcy depends on the chapter you choose. Chapter 7 typically takes 4-6 months, while Chapter 13 can take 3-5 years. Kostopoulos Bankruptcy Law can streamline the process and guide you through each step.
Read LessBankruptcy offers several benefits: Automatic Stay: Immediate stop to creditor harassment, lawsuits, and wage garnishments. Debt Discharge: Elimination of most unsecured debts like credit cards and medical bills. Fresh Start: The opportunity to rebuild your finances and credit. Asset Protection: Some assets can be protected...Read More
Bankruptcy offers several benefits:
Qualification for bankruptcy depends on your income, debts, and assets. If you're struggling with overwhelming debt and unable to meet financial obligations, you may qualify. Kostopoulos Bankruptcy Law offers free consultations to evaluate your situation and discuss potential debt relief solutions, including bankruptcy.
Qualification for bankruptcy depends on your income, debts, and assets. If you’re struggling with overwhelming debt and unable to meet financial obligations, you may qualify. Kostopoulos Bankruptcy Law offers free consultations to evaluate your situation and discuss potential debt relief solutions, including bankruptcy.
Read LessBankruptcy filing fees vary depending on the chapter you choose. At Kostopoulos Bankruptcy Law, our Riverside and Oakland offices offer free consultations to discuss your specific case and provide a transparent cost breakdown.
Bankruptcy filing fees vary depending on the chapter you choose. At Kostopoulos Bankruptcy Law, our Riverside and Oakland offices offer free consultations to discuss your specific case and provide a transparent cost breakdown.
Read LessWhen you file for bankruptcy in Riverside, CA, or any of our Kostopoulos Bankruptcy Law locations, an automatic stay immediately stops creditor harassment. We'll then guide you through the legal process, which can involve either liquidating assets (Chapter 7) or creating a repayment plan (Chapter...Read More
When you file for bankruptcy in Riverside, CA, or any of our Kostopoulos Bankruptcy Law locations, an automatic stay immediately stops creditor harassment. We’ll then guide you through the legal process, which can involve either liquidating assets (Chapter 7) or creating a repayment plan (Chapter 13), ultimately leading to debt discharge and a fresh financial start.
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