Bankruptcy Lawyers in Bay City, Michigan
Stress-free Bay City Bankruptcy Lawyers Available Statewide in Michigan from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Stress-free Bay City Bankruptcy Lawyers Available Statewide in Michigan from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Bay City are burdened by credit card bills, medical debts, and constant creditor calls.
If you are unable to keep up with payments and need a fresh start, you may qualify for Michigan bankruptcy under federal bankruptcy protections.
Schedule a consultation with an experienced bankruptcy professional to review your debts, explore your best legal options, and determine if you qualify with honest, clear guidance.
Get a clear, customized bankruptcy path to handle your debts, protect what matters, and end creditor harassment as you work toward a fresh start.
We handle every detail of your bankruptcy petition, providing careful filing and clear explanations at each step in your case.
Once filed, the automatic stay stops collections, lawsuits, and garnishments while your bankruptcy case proceeds. Our team handles the legal work, keeping you informed every step of the way so you can focus on your next chapter.
Clear, upfront pricing with flexible payment options.
Serving clients across Michigan with decades of bankruptcy experience.
The automatic stay stops creditor calls, lawsuits, and garnishments.
Most clients protect their essential assets under bankruptcy exemptions.
Work directly with an experienced bankruptcy attorney throughout your case.
You may qualify for bankruptcy in Bay City if:
You are unable to pay debts as they come due.
You have unsecured debts like credit cards or medical bills, or are behind on secured debts.
You pass the Means Test for Chapter 7 or have income to fund a Chapter 13 plan.
You complete a court-approved credit counseling course before filing.
You have not recently filed bankruptcy within restricted timeframes.
You reside in Michigan and are over 18 years old.
Bankruptcy can help you eliminate or restructure high credit card debts, protecting what’s important while allowing you to reset your finances.
Filing for bankruptcy triggers legal protections that end collection harassment and lawsuits right away.
If your monthly bills are unmanageable, bankruptcy can help restructure or discharge these obligations for relief.
We help prevent home foreclosure or car repossession through bankruptcy protections, giving you room to keep your assets.
If you’ve had a drop in income, bankruptcy can pause collections and help stabilize your finances.
Filing for bankruptcy can clear unmanageable medical bills, helping you regain peace of mind during your recovery.
“The Kostopoulos team made the bankruptcy process clear and manageable. No judgment, just real help.”
James A.
“I was overwhelmed by debt and constant calls. Kostopoulos guided me through bankruptcy and helped me protect what mattered.”
Monica H.
“They helped me stop garnishments and eliminate over $32k in debt, giving me a fresh start.”
Tamara K.
Filing can discharge unsecured debts and stop collections, allowing you to regain financial control.
While your credit will be impacted initially, many clients begin rebuilding shortly after bankruptcy and see credit scores improve over time.
Chapter 7 generally takes 4–6 months, while Chapter 13 plans last 3–5 years depending on your case.
We offer clear pricing and flexible payment options, often allowing payment plans before filing.
Most unsecured debts, including credit card and medical bills, may be wiped out in bankruptcy.
Bankruptcy triggers an automatic stay, which halts wage garnishments and creditor actions right away.