Professional Bankruptcy Attorneys in San Bernardino

Our San Bernardino Bankruptcy Services

How Can We Help?

The experienced professionals at Kostopoulos Bankruptcy Law are here to assist you with Chapter 7 and 13 filings, defense against foreclosure and repossession, protection from wage garnishment, and smart loan modification services.

Liquidation bankruptcy (Chapter 7) completely wipes away most of your debts, and can give you a second chance, but you’ll have to liquidate many of your assets in the process.

Filing Chapter 13 bankruptcy allows you to consolidate your debts and make easy payments on them for 3 to 5 years. Count on our experienced team to help you every step of the way.

If you are facing foreclosure or repossession, it’s clever to discuss viable defense strategies with our bankruptcy lawyers. Let us help to save your assets.

If you file chapter 13 bankruptcy, and later find that the payments structure is undoable, you may be able to have your payments modified so that they are not such a burden.

If you don’t see a positive path to the future via wage garnishment, consult with our professional bankruptcy lawyers to explore the best debt relief options for you.

Why Choose Us

Discover Why We're San Bernardino’s Best
Bankruptcy Lawyers

Discover Why We’re San Bernardino’s Top Bankruptcy Choice Contact Kostopoulos Bankruptcy Law today, and experience the benefits of our proficiency, and our endless dedication to each of our clients.

Specialized Expertise

Our bankruptcy lawyers have multiple decades of experience helping our esteemed clients to reestablish their financial fortitude and rediscover the joy of life.

Personalized Guidance and Support

The understanding team at Kostopoulos Bankruptcy is here to assist you with individualized support and guidance. Allow us to help strengthen your financial future.

Post-Bankruptcy Planning and Rebuilding

If you have recently undergone bankruptcy, it's important to make a detailed plan on how you will reestablish financial responsibility, improve your creditworthiness, and be able to, once again, attract lenders.

Legal Protection and Relief

For eligible individuals and businesses, filing bankruptcy provides legal protection from debt collection and relief from debts that are heavy burdens.

Contact Us Today

All Consultations Are Free & Confidential

Fill out the form here or reach our bankruptcy law firm by phone at (877) 969-7482!


Federal bankruptcy laws are in place to give individuals and businesses a fresh start with their finances by either wiping out debts or restructuring payments for them.

Different variations of bankruptcy include Chapter 7, Chapter 9, Chapter 11, chapter 12, chapter 13, and chapter 15. The two types that apply to most individuals are Chapter 7 and chapter 13.

This will depend on various factors, including the amount of equity you have amassed in your property, and what your vehicle is currently worth.

Chapter 7 bankruptcy, also called “liquidation bankruptcy,” discharges the vast majority of your debts and wipes your financial slate clean. There are some exclusions, like child support and tax liens.

With Chapter 7 bankruptcy, you’ll have to liquidate the majority of your assets in order to pay off your creditors, but in return, many of your debts are forgiven completely.

Criterion for qualifying for Chapter 7 bankruptcy include being an individual, couple, or business; passing the “means test,” and not having filed Chapter 7 in at least eight years.

Also called “wage earner’s plan,” Chapter 13 bankruptcy allows you to make structured, budget-friendly payments on your debts with court supervision for up to five years.

With Chapter 13, your debts are not written off as with Chapter 7. Instead, you make payments you can afford over three to five years to pay off your debts.

You have to have a reliable income source, be current with your taxes, and not have filed Chapter 13 for at least two years, and not have filed Chapter 7 bankruptcy in at least 4 years.