Bankruptcy Lawyers in Modesto, California
Proven Modesto Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Proven Modesto Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Modesto 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.
Connect with a bankruptcy attorney who will carefully assess your financial details, outline your available solutions, and confirm your eligibility without any pressure.
We build a bankruptcy plan for your exact needs, giving you a roadmap to protect your property, eliminate debt, and stop collection actions.
We develop a clear bankruptcy plan that helps protect your property, stop creditor actions, and identify which debts can be eliminated.
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 Modesto 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.
We help discharge or restructure credit card debt through bankruptcy, allowing you to reset your finances while protecting exempt assets.
Bankruptcy can end harassing creditor calls and collection actions the moment you file.
Struggling to pay monthly debts? Bankruptcy can stop unaffordable payments, helping you breathe easier.
Filing for bankruptcy halts foreclosure or repossession, allowing you to catch up on payments or restructure your debts.
If you’ve had a drop in income, bankruptcy can pause collections and help stabilize your finances.
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.
Bankruptcy allows you to eliminate or manage debt while stopping collections and lawsuits immediately.
Bankruptcy impacts your credit temporarily, but it also provides a path to rebuild financially.
A Chapter 7 bankruptcy usually takes a few months, while Chapter 13 repayment plans last 3–5 years.
You won’t need to pay everything upfront; we provide transparent costs and can arrange pre-filing payment plans.
Bankruptcy typically discharges medical bills, credit card debt, and certain older taxes.
Filing triggers an automatic stay, halting wage garnishments right away.