The personal finance professionals at Kostopoulos Bankruptcy Law are dedicated to helping people in Lancaster, California redevelop their financial strength with an array of expert services.
If you pass the means test and file for Chapter 7 bankruptcy, most or all of your unsecured debt will be totally discharged. This includes medical bills, utility bills, and overdue credit card bills.
With Chapter 13 bankruptcy, you’ll enjoy bringing your past-due bills up to date with convenient payment options over a course of three to five years.
If bill collectors are constantly harassing you, threatening you with mortgage foreclosure or automobile repossession, allow our team of effective bankruptcy attorneys to help you end that.
If the payments on your loan have become unmanageable, and you have fallen behind, let our financial pros help you to restructure it with better interest rates and lower payments.
Looking at your paycheck and seeing that part of your wages have been garnished to pay past-due bills is disheartening. The team at Kostopoulos Bankruptcy Law is here for you with expert assistance.
Our team genuinely cares about helping every client to experience less stress and more financial fortitude. Let us help you next with a full range of top-quality services.
Our team of Lancaster bankruptcy attorneys and other financial professionals has multiple decades of combined experience. Allow us to tailor a strategy for you to grow your financial strength.
Whether you need to restructure your mortgage loan, file bankruptcy, or plan your financial future, the helpful experts at Kostopoulos Bankruptcy Law look forward to serving you.
Completing the bankruptcy process offers you a new lease on your financial life. Let us help you make intelligent choices about increasing your credit rating and building your fiscal future.
We understand that it's already stressful when you're behind on your bills, and it becomes nearly unbearable when debt collectors continuously harass you. Let us deal with them and get them off your back.
All Consultations Are Free & Confidential
Fill out the form here or reach our bankruptcy law firm by phone at (877) 969-7482!
Some of the various benefits include experiencing less stress about overdue bills, stopping creditor harassment, and restructuring your debt with lower payments and better interest rates.
For most people, yes, but there has to be at least eight years between the filing dates.
Yes, you may file jointly or separately. Consider filing separately if your spouse has significant assets to protect.
If you file bankruptcy separately, it will not affect your spouse’s credit rating. However, it may make it more difficult for your spouse and you to get joint credit accounts in the future.
Some of the benefits include less stress, unsecured debt being wiped out, ending creditor harassment, restructuring debts to be more manageable, and getting a fresh start on your financial future.
It might be possible, but it’s a complex process. You’ll likely be able to have some income tax obligations dismissed if they are at least three years old. There are conditions though. Contact us to learn more.
As with outstanding income tax obligations, having student loans discharged via bankruptcy is possible, but difficult. You’ll have to prove that making payments on your outstanding student loans causes you serious hardship.
Definitely. Chapter 13 bankruptcy is an excellent vehicle to stop foreclosure. Actually, that’s one of the primary reasons that this particular type of bankruptcy was created.
You may call us at (877) 969-7482, or stop by our office at 7677 Oakport St Ste 550, Oakland, CA 94621. We look forward to serving you!