Bankruptcy Lawyers in Sacramento, California
Trusted Sacramento Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Trusted Sacramento Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Sacramento 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 craft a bankruptcy plan that fits your unique financial needs, guiding you on protecting assets, managing dischargeable debts, and stopping collection actions immediately.
Get a strategic bankruptcy plan tailored to your unique situation, including advice on asset protection, dischargeable debts, and how to stop creditor harassment 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 Sacramento 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 assist in discharging or reorganizing overwhelming credit card debts, giving you a clean slate while safeguarding key assets.
Stop creditor calls and collection harassment now with the protection provided by bankruptcy.
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 lost income or your job, bankruptcy can protect your finances while giving you a path toward a stable future.
We help discharge heavy medical debts through bankruptcy, reducing your financial burden so you can heal without added stress.
“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.
While there is an initial credit hit, many clients see credit improvements once debts are cleared.
A typical Chapter 7 case takes about 4–6 months, while Chapter 13 repayment plans usually last 3–5 years, depending on your case details.
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.
Filing triggers an automatic stay, halting wage garnishments right away.