Bankruptcy Lawyers in Santa Barbara, California
Stress-free Santa Barbara Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Stress-free Santa Barbara Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Santa Barbara 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.
Meet with a bankruptcy specialist who will evaluate your financial situation, present your options clearly, and help you determine your eligibility for relief.
Let us design a bankruptcy strategy that fits your financial life, helping you stop collections, protect your assets, and discharge eligible debts.
We handle all filings and paperwork, submitting your bankruptcy petition accurately while guiding you through each stage of your Chapter 7 or 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 Santa Barbara 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.
Struggling with high credit card balances? We can help discharge or reorganize them through bankruptcy for a clean slate.
We help you stop collection calls and lawsuits immediately through the automatic stay provided by bankruptcy protection.
If your monthly bills are unmanageable, bankruptcy can help restructure or discharge these obligations for relief.
Stop foreclosure and repossession threats with bankruptcy protection while you reorganize your finances.
If you’ve lost income or your job, bankruptcy can protect your finances while giving you a path toward a stable future.
Filing for bankruptcy can clear unmanageable medical bills, helping you regain peace of mind during your recovery.
“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 initially, but many clients begin rebuilding credit shortly after discharge, often improving their scores over time.
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, upfront fees and flexible payment options to make filing bankruptcy easier for you.
Bankruptcy can clear debts like credit cards, medical bills, personal loans, and certain older tax debts while protecting exempt assets.
Filing triggers an automatic stay, halting wage garnishments right away.