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Chapter 7 bankruptcy can totally eliminate a lot of your debts, but you’ll likely be required to liquidate all non-exempt assets to make it happen.
If you have reliable employment and wish to restructure your debts so that you can afford to make the payments on time, consider a Chapter 13 bankruptcy.
Living with the pending threat of repossession or foreclosure is very stressful to say the least. Let our highly effective team of bankruptcy lawyers help you terminate that anxiety.
If you have filed a chapter 13 bankruptcy, it’s still possible to restructure your mortgage loan so that you can keep your home. Have you considered the benefits of a lower interest rate or extended repayment time period?
Did a court garnish your wages? Come in and sit down to talk with one of our knowledgeable financial experts. We’ll help you weigh out your best options.
Your neighbors in and around Moreno Valley, California, have relied on us for many years to help them rebuild financial stability in their lives. We take a personalized approach to every case, and we're here waiting to help you next.
The Kostopoulos Bankruptcy Law Firm is dedicated to helping our esteemed clients restructure their finances and live with less pressure and financial duress.
Our friendly and deeply knowledgeable team of bankruptcy attorneys will treat you like a family member as they assist you through your journey to reestablish your financial vitality.
After bankruptcy, it's important to plan your finances carefully so that you can increase your credit score, avoid higher interest rates, begin saving money, and start to rebuild your creditworthiness.
After you file bankruptcy, you'll be protected from the endless efforts of debt collectors to call you, send you mail, e-mail you, or otherwise contact you at all.
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When you file for bankruptcy, this immediate injunction prohibits debt collectors from harassing you further. Its purpose is to allow you to breathe freely while you restructure your finances.
Yes, it can. If you have been distressed over overdue medical bills, bankruptcy could be the answer for you. Medical bills are unsecured, meaning they are eligible for discharge via bankruptcy.
Some of the various types of debts that can be discharged with bankruptcy include medical bills, credit card bills, past due rent, unpaid utility bills, past-due utility bills, and personal loans.
A means test determines whether an individual is qualified for Chapter 7 bankruptcy relief. It’s a comparison of the person’s wages to the medium income of a person in a similar household.
The typical Chapter 7 bankruptcy case requires between four and six months from filing to complete. In cases where no assets are involved, debts can be discharged in as little as 90 days.
It’s possible that you’re allowed. However there are some restrictions. If you are allowed, it must have been at least eight years since you last filed for chapter seven.
Nationally, a Chapter 13 bankruptcy provides a restructured payment plan to pay off debts within 36 – 60 months. The specific time frame will depend on your amount of debt, expenses, and income.
It’s possible, but not automatic. It will depend on the age of the debt, whether your tax filings are current, and the type of tax that you owe.
It’s possible, but a difficult process. You have to be able to show that making payments on your student loans would cause you severe financial hardship.