Chapter 13 Bankruptcy Lawyers in Alameda, California
Experienced Alameda Chapter 13 Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Experienced Alameda Chapter 13 Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Many individuals and families in Alameda are burdened by credit card bills, medical debts, and constant creditor calls.
If you are unable to keep up with payments and need a fresh start, you may qualify for California bankruptcy under federal bankruptcy protections.
Your first step is a no-pressure consultation in Alameda where we map debts, income, and priorities.
Our team drafts a tailored plan, coordinates documents, and schedules your case quickly in Alameda.
With the stay in place, we manage trustee communications, objections, and plan adjustments as needed.
After confirmation, we stay with you—monitoring payments and helping you finish the plan successfully.
Clear, upfront pricing with flexible payment options.
Serving clients across California with decades of bankruptcy experience.
The automatic stay stops creditor calls, lawsuits, and garnishments.
Most clients protect their essential assets under bankruptcy exemptions.
Work directly with an experienced bankruptcy attorney throughout your case.
You may qualify for Chapter 13 bankruptcy in Alameda if:
You are unable to pay debts as they come due.
You have unsecured debts like credit cards or medical bills, or are behind on secured debts.
You pass the Means Test for Chapter 7 or have income to fund a Chapter 13 plan.
You complete a court-approved credit counseling course before filing.
You have not recently filed bankruptcy within restricted timeframes.
You reside in California and are over 18 years old.
Chapter 13 can help you catch up on arrears over time while stopping foreclosure actions.
Most creditor garnishments pause, letting you prioritize necessities again.
Filing can stop repossession efforts and allow catch-up through plan payments.
The stay pauses many IRS/State actions while a reasonable plan is reviewed.
You may pay less than the full amount while still getting court protection.
We notify creditors and handle objections or claims within the case.
” I was nervous about bankruptcy, but they made it straightforward. No judgment—just practical help and results. “
Jason P.
” From day one, they explained the process clearly and handled the paperwork so I didn’t stress. The team stayed in touch and answered every question. “
Ashley M.
” I was nervous about bankruptcy, but they made it straightforward. No judgment—just practical help and results. “
Brian T.
Most plans run 3 to 5 years, depending on your income and goals.
Collections typically must cease upon filing; we notify creditors promptly.
Often yes—plans are designed to cure arrears and maintain essential payments.
Your trustee payment depends on your disposable income and claims filed.
Most unsecured debts, including credit card and medical bills, may be wiped out in bankruptcy.
Yes, filing for bankruptcy triggers an automatic stay that immediately stops wage garnishments and most collection activities.