Bankruptcy Lawyers in Santa Cruz, California
Get Santa Cruz Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Get Santa Cruz Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Santa Cruz 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.
Receive a structured bankruptcy plan that aligns with your circumstances, ending collection harassment and clarifying your path to financial relief.
We prepare your bankruptcy filing meticulously, ensuring your documents are accurate while guiding you through the Chapter 7 or Chapter 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 Cruz 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.
Heavy credit card debts can be cleared or reorganized in bankruptcy, providing relief while protecting exempt property.
We help end creditor calls and collection actions instantly with bankruptcy’s automatic stay protection.
We help reduce payments you can’t afford through bankruptcy, guiding you toward a manageable financial path forward.
Facing foreclosure or vehicle repossession? Bankruptcy protection can help you keep your home or car.
Bankruptcy can help you manage debts after a job loss or income cut, protecting your assets.
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 can discharge unsecured debts like credit cards and medical bills or restructure payments, providing immediate relief from collections and lawsuits.
Although bankruptcy lowers your credit at first, it often helps clients rebuild and strengthen their credit profiles in the long run.
Most Chapter 7 cases finish in 4–6 months, while Chapter 13 involves a repayment plan over three to five years.
Many clients use payment plans to manage fees before we file their bankruptcy case.
Bankruptcy can eliminate debts like credit cards, personal loans, medical bills, and older tax debts.
Yes, filing for bankruptcy triggers an automatic stay that immediately stops wage garnishments and most collection activities.