The friendly bankruptcy attorneys at Kostopoulos Bankruptcy Law in Oceanside, California offer a full range of financial services. Let us help you restore your financial vitality and creditworthiness.
If you pass the means test and file for Chapter 7 bankruptcy, you’ll enjoy having all or most of your unsecured debt discharged. However, you’ll most likely have to sell off non-essential assets, like a Harley-Davidson, for instance.
Chapter 13 bankruptcy offers a system for reorganizing debt and bringing it current. You’ll be able to make affordable payments on your accounts over a period of up to five years.
When you make the smart choice to work with the financial pros at Kostopoulos Bankruptcy Law, we’ll help quickly end creditor harassment and ceaseless attempts to collect overdue bills.
Our knowledgeable bankruptcy attorneys and financial counselors can help you reorganize your payment schedules to enjoy longer payback periods and lower interest rates.
We invite you to research our reputation online, and ask your loved ones about the superior financial services we offer to our friends and neighbors in Oceanside, CA. We look forward to impressing you!
The team at Kostopoulos Bankruptcy Law genuinely cares about our clients, and we ceaselessly strive to overdeliver on the services we provide. We're here to help you develop a more powerful financial future!
The financial professionals at Kostopoulos Bankruptcy Law provide customized services for every client. Let us help you to rediscover what financial freedom means.
Our goal is to give you the assistance you need to develop financial security. Whether you need to file bankruptcy, need help stopping creditor harassment, or want to restructure your mortgage, we're here for you.
After bankruptcy, you have a fresh financial beginning. We offer expert planning and rebuilding services to help you reestablish your cash flow and develop creditworthiness.
Begin working with us today, and allow us to quickly and effectively put an end to bill collectors ceaselessly harassing you about overdue payments.
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Yes, filing for bankruptcy can cause a significant drop in your credit score. Also, bankruptcy remains on your credit report for up to a decade. However, most people can improve their credit scores after bankruptcy by making smart decisions.
Yes, you can file for bankruptcy regardless of your employment situation. However, if you are employed, your income will partially determine whether you can file Chapter 7 or Chapter 13.
Yes, it will. Once you have filed for bankruptcy, an automatic stay will be issued by the court, meaning that creditors will no longer be able to visit or contact you about overdue debt.
Nearly anybody can file for Chapter 13 bankruptcy, provided that their combined unsecured and secured debt totals less than $2,750,000.
Yes, although it may be more difficult during the first two years than after. The effects of bankruptcy diminish with time, but remain on your credit report for up to 10 years.
An automatic stay is an injunction issued by the court that stops creditors from attempting to collect overdue debts. It halts creditors’ legal right to call, e-mail, visit, or otherwise contact you.
If you pass the means test and are eligible for Chapter 7 bankruptcy, then yes, nearly all of your medical bills and other unsecured financial obligations will be completely discharged.
Unsecured debts are financial obligations that are not backed by collateral. Examples of debts that are commonly forgiven in Chapter 7 include past-due rent, personal loans, doctor and hospital bills, overdue utility bills, and unpaid credit card bills.
A means test is a standardized algorithm that reviews your financial strength relative to other people in your demographic group.