Facing overwhelming debt can feel isolating and frightening. You may be receiving foreclosure notices, losing part of your paycheck to wage garnishments, or dealing with relentless creditor calls. You don’t have to face this alone.
At Kostopoulos Bankruptcy Law, we’ve been helping Riverside residents and families eliminate millions in debt for over 20 years. With 10,000+ successful bankruptcy filings across California and Michigan, we know how to stop financial chaos and protect your home, wages, and future.
We offer:
✔ Free confidential consultations
✔ Flexible payment plans starting at $100 down
✔ No fee unless we file your case
✔ Same-day appointments to stop foreclosure and creditor actions immediately
Call 877-969-7482 now to speak with a compassionate bankruptcy lawyer in Riverside and take your first step toward a financial fresh start.
When your financial future is at stake, you need a law firm that understands California bankruptcy laws, has local courtroom experience, and is committed to winning results. Here’s why Riverside residents trust us:
Our lawyers are recognized leaders in consumer bankruptcy law.
Over 20 years helping 10,000+ clients across California and Michigan.
Familiar with Riverside Division of the Central District of California Bankruptcy Court and local trustees.
Services available in English, Spanish, Greek, Arabic, and Mandarin.
Named one of the Top 100 Firms by the Debt Education and Certification Foundation.
File from the comfort of your home or meet in-person at our Riverside office.
Clients have noted that the attorneys provide personal service and individual attention throughout the bankruptcy process.
If you notice any of these warning signs, it’s time to arrange a free consultation:
Bankruptcy law exists to protect you—not punish you. Our attorneys can help you understand your rights and options immediately.
Filing for bankruptcy doesn’t have to be complicated or stressful. Our proven process makes it straightforward:
Meet virtually or in-person to review your finances.
We determine whether Chapter 7 or Chapter 13 is your best solution.
Our attorneys prepare and file your case with the Central District of California Bankruptcy Court (Riverside Division).
Filing stops all creditor actions, foreclosures, wage garnishments, and lawsuits.
We represent you during the trustee meeting; most clients never appear in court.
Chapter 7 cases often close in 4–6 months; Chapter 13 repayment plans last 3–5 years.
Contact us today to learn how fast we can start protecting your assets.
Choosing the correct bankruptcy chapter is critical for maximizing asset protection and debt relief.
| Feature | Chapter 7 | Chapter 13 |
|---|---|---|
| Eligibility | Passes California means test | Steady income available for repayment |
| Duration | 4–6 months | 3–5 years |
| Debt Discharged | Most unsecured debts wiped out | Restructured into court-approved plan |
| Asset Protection | Keep home, car, and essentials via exemptions | Retain property while catching up on payments |
| Stops Foreclosure | Yes, temporarily | Yes, can fully save home |
| Stops Wage Garnishment | Yes | Yes |
At Kostopoulos Bankruptcy Law, we don’t just file paperwork—we build custom legal strategies to protect your assets, stop creditor harassment, and help you regain financial stability. Our Riverside office provides full-spectrum bankruptcy services tailored to your situation.
If you’re overwhelmed by unsecured debts like credit cards or medical bills, Chapter 7 bankruptcy in Riverside may give you a clean slate in as little as 4–6 months.
✔ Eligibility: Pass California’s means test based on your income and household size.
✔ Benefits: Eliminate most unsecured debts while keeping your home, vehicle, and personal property under California exemptions.
✔ Process: We handle all filings, attend the trustee meeting on your behalf, and guide you through rebuilding credit after discharge
For individuals with steady income who want to save their home from foreclosure or catch up on overdue payments, Chapter 13 bankruptcy in Riverside can provide immediate relief.
✔ Benefits: Stop foreclosure instantly with the automatic stay, consolidate debts, and make affordable monthly payments for 3–5 years.
✔ Property Protection: Keep your house, car, and valuables while restructuring mortgage and other debts.
✔ Added Advantage: Discharge eligible unsecured debts at the end of the repayment plan.
Facing foreclosure can be terrifying, but we’ve stopped countless home sales in Riverside through swift legal action. Our foreclosure defense attorneys can:
✔ File emergency bankruptcy petitions to trigger the automatic stay.
✔ Negotiate with lenders for loan reinstatement or restructuring.
✔ Use Chapter 13 to catch up on missed payments and avoid losing your home permanently.
✔ Utilize lien stripping for second mortgages under Chapter 13 to reduce financial burdens.
✔ File emergency bankruptcy petitions to trigger the automatic stay.
✔ Negotiate with lenders for loan reinstatement or restructuring.
✔ Use Chapter 13 to catch up on missed payments and avoid losing your home permanently.
Even if foreclosure isn’t imminent, a loan modification can reduce your monthly payments and make your mortgage manageable.
✔ We work directly with banks to lower interest rates, extend loan terms, or adjust payment schedules.
✔ Often combined with bankruptcy filings to achieve lasting financial relief.
When creditors garnish your wages, it can feel impossible to stay afloat. Our wage garnishment lawyers can:
✔ File bankruptcy to stop garnishments immediately through the automatic stay.
✔ Recover wrongfully garnished wages in some cases.
✔ Create plans to permanently discharge or reduce debts causing garnishments.
Student loans can’t always be fully discharged in bankruptcy, but our student loan debt attorneys help you explore:
✔ Hardship discharge cases
✔ Income-driven repayment plans
✔ Federal forgiveness programs
✔ Negotiating with lenders for better repayment terms
If your car is at risk of repossession, or has already been taken, our repossession defense team can:
✔ Halt repossessions immediately with bankruptcy filing.
✔ Recover recently repossessed vehicles.
✔ Restructure auto loans in Chapter 13 bankruptcy.
No matter your financial crisis, we build comprehensive solutions that may combine:
✔ Emergency bankruptcy filings
✔ Loan restructuring
✔ Foreclosure prevention
✔ Garnishment and levy protection
Call 877-969-7482 today to speak directly with a Riverside bankruptcy lawyer about stopping foreclosures, garnishments, or repossessions before it’s too late.
Understanding local bankruptcy trends allows us to strategically position your case for the best possible outcome:
✔ Riverside County sees thousands of bankruptcy filings annually, with a high concentration of Chapter 7 and Chapter 13 cases due to rising living costs and foreclosure rates.
✔ Foreclosure filings have increased in recent years, making timely action critical for homeowners facing default notices.
✔ Local trustees are experienced and efficient, often closing straightforward Chapter 7 cases in as little as four months.
By working with a law firm deeply rooted in Riverside’s legal community, you gain insider knowledge that generic, out-of-town lawyers simply can’t provide.
Successfully filing bankruptcy here requires:
✔ Knowledge of Riverside Division filing requirements and deadlines.
✔ Understanding local trustee expectations for financial documentation.
✔ Experience negotiating with Riverside-based creditors and lenders.
From preparing flawless petitions to representing you in hearings, we handle every detail with precision. Our team has appeared before Riverside trustees and judges countless times, ensuring no surprises and no mistakes that could jeopardize your fresh start.
Bankruptcy laws in California are unique—and so is the bankruptcy process in Riverside County. Hiring a local Riverside bankruptcy attorney means working with a team that knows every detail of how bankruptcy cases are handled here, giving you a significant advantage in protecting your home, wages, and future.
When you file for bankruptcy in Riverside, your case is typically handled by the Central District of California Bankruptcy Court (Riverside Division).
✔ Court Location:
United States Bankruptcy Court
Riverside Division
3420 Twelfth Street
Riverside, CA 92501
✔ Local Trustees: Your case will be assigned to a Riverside-area trustee who oversees the administration of your bankruptcy. Our attorneys have decades of experience working with local trustees, ensuring your paperwork is flawless and your rights are fully protected.
✔ Judges: Familiarity with Riverside bankruptcy judges and courtroom procedures helps us anticipate challenges and craft stronger strategies for your case.
California’s exemptions are some of the most generous in the country, allowing you to protect significant assets during bankruptcy. As of 2025:
✔ Homestead Exemption: Up to $678,000 in equity protection for your primary residence.
✔ Vehicle Exemption: Protect up to $7,500 of vehicle equity.
✔ Personal Property: Exemptions for household goods, furnishings, and personal effects.
✔ Retirement Accounts: Most 401(k)s, IRAs, and pensions are fully protected.
Our team ensures you claim every exemption you’re entitled to, safeguarding your home, car, and retirement savings throughout the process.
Filing bankruptcy provides immediate and long-term protection:
Legally stops creditors, foreclosures, and lawsuits upon filing.
Safeguards your home, car, and retirement funds.
Erases most unsecured debts permanently.
End garnishments and keep your entire paycheck.
Begin rebuilding credit within months after discharge. Chapter 7 bankruptcy is typically a faster way to resolve financial difficulties than Chapter 13.
Client reviews often highlight the compassionate nature of the legal representation provided.
Many people avoid bankruptcy due to misunderstandings. Let’s clear them up:
If you’re struggling with debt, you may be wondering: What debts can I file bankruptcy on in California? In California, bankruptcy can eliminate debts like credit card balances, medical bills,
If you’re considering bankruptcy, one of your biggest concerns might be the cost. You may be wondering: How much does it cost to file bankruptcy in California? As of 2025,
If you’re considering bankruptcy, you may be asking: How long does it take to file bankruptcy in California? In California, a Chapter 7 bankruptcy case typically takes 3 to 6
Ready to take control of your financial future? Our Riverside attorneys are here to help. Clients state the attorney was always available to answer their questions, providing reassurance and clarity throughout the process.
Call 877-969-7482 for a free, confidential consultation.
3844 La Sierra Ave, Suite B
Riverside, CA 92505
✔ Free Consultations
✔ Same-Day Appointments
✔ Flexible Payment Plans
✔ Multilingual Support
Different bankruptcy law firms in Riverside offer free consultations to prospective clients, making it easier to explore your options without financial pressure.
All Consultations Are Free & Confidential
Court filing fees: $338 for Chapter 7, $313 for Chapter 13. Flexible payment plans start at $100. Average legal fees for filing Chapter 7 bankruptcy in Riverside range from $1,275 to $4,000, including additional costs. In California, 95% of Chapter 7 bankruptcy fees typically range from $2,500 to $4,000, covering filing fees and credit report fees. MacLean Chung Law Firm’s Chapter 7 bankruptcy fees for Riverside County will be $1,275 plus additional costs for filing and credit report fees.
If you are filing alone, your bankruptcy case will cost approximately $1,658, including attorney fees and additional costs. If you are filing jointly, your bankruptcy case will cost approximately $1,703, including attorney fees and additional costs. If you need a payment plan, an additional $200 will be added to your total bankruptcy fees. The Riverside Bankruptcy Attorneys at MacLean Chung Law Firm maintain a 99% Chapter 7 bankruptcy success rate, ensuring reliable outcomes for clients.
Chapter 7: 4–6 months, though the process can take as little as 90 to 120 days to resolve matters. Chapter 13: 3–5 years repayment plans.
California’s exemptions often protect both. Chapter 13 allows you to catch up on overdue payments.
Yes. Filing triggers an automatic stay that halts all creditor contact and lawsuits.
Most unsecured debts are discharged. Some debts, like student loans and certain taxes, may not be.
