Bankruptcy Lawyers in Gilroy, California
Affordable Gilroy Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Affordable Gilroy Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Gilroy 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.
Consult with a skilled bankruptcy attorney who will analyze your finances, clarify your legal paths, and confirm if you qualify, offering straightforward, pressure-free guidance.
We develop a clear bankruptcy plan that helps protect your property, stop creditor actions, and identify which debts can be eliminated.
We craft a bankruptcy plan that fits your unique financial needs, guiding you on protecting assets, managing dischargeable debts, and stopping collection actions immediately.
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 Gilroy 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.
Drowning in credit card bills? Bankruptcy helps clear or reduce these debts, giving you a fresh financial start.
Filing for bankruptcy triggers legal protections that end collection harassment and lawsuits right away.
We help you reduce or eliminate payments you can no longer afford, providing a clear path toward a fresh financial start.
Bankruptcy can halt foreclosure proceedings or car repossession, giving you time to catch up on payments.
If you’ve lost income or your job, bankruptcy can protect your finances while giving you a path toward a stable future.
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.
It either clears or reorganizes your debts and stops collection efforts, helping you start over financially.
Bankruptcy affects your credit at first, but many clients begin rebuilding shortly after discharge.
Chapter 7 generally takes 4–6 months, while Chapter 13 plans last 3–5 years depending on your case.
You don’t need to pay everything upfront, and we provide clear payment plan options.
Bankruptcy typically discharges credit card debt, medical bills, personal loans, and certain older tax debts while protecting exempt property.
Bankruptcy triggers an automatic stay, which halts wage garnishments and creditor actions right away.