Bankruptcy Lawyers in Royal Oak, Michigan
Affordable Royal Oak Bankruptcy Lawyers Available Statewide in Michigan from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Affordable Royal Oak Bankruptcy Lawyers Available Statewide in Michigan from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Royal Oak 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 strategic bankruptcy plan tailored to your unique situation, including advice on asset protection, dischargeable debts, and how to stop creditor harassment immediately.
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 Royal Oak 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.
We help discharge or restructure credit card debt through bankruptcy, allowing you to reset your finances while protecting exempt assets.
We help you stop collection calls and lawsuits immediately through the automatic stay provided by bankruptcy protection.
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.
Bankruptcy can assist those with reduced income or job loss by stopping collections and protecting assets as you rebuild.
Free yourself from overwhelming medical bills by using bankruptcy to eliminate qualifying healthcare debt.
“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 can discharge unsecured debts like credit cards and medical bills or restructure payments, providing immediate relief from collections and lawsuits.
Bankruptcy will affect your credit temporarily, but most people start seeing positive changes once debts are cleared.
Most Chapter 7 cases finish in around 4–6 months, while Chapter 13 plans can run 3–5 years.
We offer flexible payment options and clear, upfront pricing. In many cases, payment plans can be arranged before filing.
Most unsecured debts, including credit cards and medical bills, can be discharged in bankruptcy, depending on your case.
Yes, filing for bankruptcy triggers an automatic stay that immediately stops wage garnishments and most collection activities.