Serving Los Angeles, Riverside, Oakland, San Diego, Sacramento, San Jose, Fresno, Long Beach, Anaheim, Bakersfield, and communities across California.
Debt can overwhelm even the most careful Californians, with high living costs, medical bills, and unexpected hardships leaving families stuck. You don’t have to handle this alone.
At Kostopoulos Bankruptcy Law, our California bankruptcy attorneys guide you with clear, personalized strategies to stop creditor harassment, protect your assets, and eliminate overwhelming debt.
Kostopoulos Bankruptcy Law has filed over 10,000 bankruptcy cases nationwide, helping individuals and families protect what matters most while pursuing a fresh start.
We focus exclusively on Chapter 7 and Chapter 13 bankruptcy, bringing deep California-specific knowledge to protect your home, vehicle, and essential assets using the state’s generous exemption laws. You will work directly with an experienced bankruptcy attorney who will explain your options and answer your questions with compassion and respect.
Our transparent fee structure and flexible payment options ensure you can start your case without unnecessary delays.
Chapter 7 bankruptcy offers Californians a direct path to eliminate overwhelming unsecured debts such as credit cards, medical bills, and payday loans. If you qualify, you can discharge most debts within 4–6 months, providing a true financial reset while protecting exempt assets under California’s homestead and wildcard exemptions.
Our California Chapter 7 bankruptcy lawyers will:
✔ Determine your eligibility using California’s means testing requirements
✔ Guide you through asset protection planning to keep your essential property
✔ Complete and file your petition accurately to avoid delays
✔ Represent you at your 341 Meeting of Creditors
✔ Help you complete required credit counseling and debtor education courses
Chapter 7 may be the right solution if you are seeking a fresh start to rebuild your financial future without burdensome debt. Contact our California bankruptcy attorneys to evaluate your eligibility today.
If you have a steady income but are struggling to catch up on debts, Chapter 13 bankruptcy can help you protect your home and vehicle while reorganizing your debt into a single, affordable monthly payment.
✔ Stop foreclosure and catch up on missed mortgage payments
✔ Retain your vehicle while managing past-due balances
✔ Consolidate debts into a structured 3–5 year repayment plan
✔ Strip unsecured junior liens in some qualifying cases
✔ Protect your home using California’s homestead exemption while addressing debt
Our California Chapter 13 bankruptcy attorneys will work with you to design a repayment plan tailored to your income and living expenses while ensuring compliance with California and federal bankruptcy laws.
Chapter 13 can provide the time and structure you need to regain stability while resolving debt without losing your essential assets. Reach out to Kostopoulos Bankruptcy Law today to explore your options.
“I believe everyone deserves a second chance and a clear path forward. My team and I are here to guide you through the bankruptcy process with dignity, clarity, and results.”
– Rita Kostopoulos
✔ Licensed in California and multiple states nationally.
✔ Founder of Kostopoulos Bankruptcy Law, with decades of exclusive bankruptcy law experience.
✔ Recognized as a Top 100 Bankruptcy Lawyer by The National Advocates.
✔ Has successfully represented thousands of clients seeking Chapter 7 and Chapter 13 debt relief.
✔ Known for clear, compassionate guidance, helping clients protect their homes, stop creditor harassment, and move toward a fresh financial start.
✔ Committed to direct attorney access, transparency, and personalized strategies for every client.
We proudly assist clients throughout California, with convenient office locations in Riverside and Oakland to ensure your bankruptcy process is as accessible and stress-free as possible.
Located in: La Sierra Plaza
Address: 3844 La Sierra Ave Suite B, Riverside, CA 92505
Phone: Call (877) 969-7482
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Located in: Cranbrook Group Inc
Address: 7677 Oakport St #550, Oakland, CA 94621
Phone: Call (877) 969-7482
Directions
✔ Meet one-on-one with an experienced California bankruptcy attorney
✔ Securely review your documents in person or through flexible options like video consultations
✔ Receive prompt answers to your questions without delay
✔ Take confident steps toward stopping creditor harassment and managing your debt
We help clients in cities and communities throughout California, delivering personalized legal guidance for Chapter 7 and Chapter 13 bankruptcy wherever you live.
Explore our California service area pages to see how we can assist you in your city:
If your city isn’t listed, we likely serve your area and can assist with your bankruptcy needs either remotely or in person at our California offices.
Discuss your financial situation with a California bankruptcy attorney.
Receive clear guidance on whether Chapter 7 or 13 fits your needs.
Filing triggers an automatic stay, stopping garnishments and creditor actions.
We provide direct attorney access and updates at every stage of your case.
Filing for bankruptcy in California can:
✔ Stop wage garnishments, lawsuits, and creditor harassment
✔ Halt foreclosure actions to protect your home
✔ Discharge credit card debt, medical bills, and payday loans while preserving essential assets
Our team will evaluate whether Chapter 7 or Chapter 13 bankruptcy aligns best with your goals and guide you through each step, including California’s means testing, exemption planning, and mandatory credit counseling requirements.
If debt is weighing you down, don’t wait for creditors to take control of your financial future. Take action now—contact Kostopoulos Bankruptcy Law to speak directly with a seasoned California bankruptcy attorney who will craft a personalized strategy to protect your assets and secure your fresh start. Your path to financial freedom begins with one call. Reach out today!
Call (877) 969-7482 now or request your free consultation online.
All Consultations Are Free & Confidential
Fill out the form here or reach our bankruptcy law firm by phone at (877) 969-7482!
Bankruptcy can discharge many types of unsecured debts, such as credit card balances, medical expenses, and personal loans. However, some debts like most taxes, student loans, child support, and recent luxury purchases are generally not dischargeable in bankruptcy. Our California bankruptcy attorneys will review your debts to determine which can be eliminated.
Expect court filing fees of around $338 for Chapter 7 and $313 for Chapter 13, plus attorney fees based on your case complexity. We offer payment plans so you can start promptly.
California’s homestead and vehicle exemptions allow many clients to keep their property. Chapter 13 can also help you catch up on payments while retaining your home and vehicle.
Yes. Filing for Chapter 7 or Chapter 13 bankruptcy in California triggers an automatic stay that immediately halts foreclosure proceedings. Chapter 13 can also allow you to catch up on missed mortgage payments over time to keep your home while addressing other debts in a structured repayment plan.
Chapter 7 usually lasts between 4 to 6 months, whereas Chapter 13 involves a repayment plan spanning 3 to 5 years before the discharge is granted.
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