Bankruptcy Lawyers in Capitola, California
Affordable Capitola Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Affordable Capitola Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Capitola 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 California bankruptcy under federal bankruptcy protections.
Speak with an experienced bankruptcy attorney who will review your financial situation, explain your options, and confirm your eligibility—no pressure, just clear, honest guidance.
Receive a structured bankruptcy plan that aligns with your circumstances, ending collection harassment and clarifying your path to financial relief.
We finalize your bankruptcy filing by preparing and submitting your petition accurately, protecting your rights while guiding you through every step of your Chapter 7 or Chapter 13 process.
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 California 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 Capitola 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 California and are over 18 years old.
Heavy credit card debts can be cleared or reorganized in bankruptcy, providing relief while protecting exempt property.
Filing for bankruptcy triggers legal protections that end collection harassment and lawsuits right away.
We assist in eliminating or reducing unaffordable payments, giving you breathing room to rebuild your financial life.
We help you stop foreclosure or repossession, giving you time to catch up or restructure payments while keeping your home or car.
Bankruptcy can assist those with reduced income or job loss by stopping collections and protecting assets as you rebuild.
Bankruptcy can help eliminate burdensome healthcare debts, allowing financial and personal healing.
“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.
Bankruptcy impacts your credit temporarily, but it also provides a path to rebuild financially.
Chapter 7 generally takes 4–6 months, while Chapter 13 plans last 3–5 years depending on your case.
We provide clear, affordable payment options so you can file without heavy upfront costs.
Bankruptcy typically discharges credit card debt, medical bills, personal loans, and certain older tax debts while protecting exempt property.
Yes, bankruptcy protects your wages by stopping garnishments as soon as you file.