Chapter 13 Bankruptcy Lawyers in Gilroy, California
Client-Focused Gilroy Chapter 13 Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Client-Focused Gilroy 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 Gilroy 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 Gilroy where we map debts, income, and priorities.
Our team drafts a tailored plan, coordinates documents, and schedules your case quickly in Gilroy.
We guide you through trustee meetings, cure plans, and any creditor issues that arise.
Count on annual check-ins and responsive help if income or expenses change during your plan.
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 Gilroy 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.
Filing can pause foreclosure and give you a path to become current again.
A Chapter 13 plan can address the debt behind the garnishment and stop further pulls.
Filing can stop repossession efforts and allow catch-up through plan payments.
Certain tax debts can be repaid over time without aggressive collection pressure.
Interest and penalties on unsecured debts often stop accruing post-filing.
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. “
Ashley M.
” They customized my plan and even worked around my pay schedule. I finally feel in control again. “
Erica S.
” Great communication and fast filing. The automatic stay kicked in right away and the calls stopped. “
Jenna F.
Your trustee and the court set a 3–5 year term based on your circumstances.
Creditor contact should stop after filing while your case moves forward.
With proper plan terms, many clients keep essential property.
It’s based on income, expenses, and debts; we calculate a realistic figure with you.
Bankruptcy typically discharges credit card debt, medical bills, personal loans, and certain older tax debts while protecting exempt property.
Bankruptcy triggers an automatic stay, which halts wage garnishments and creditor actions right away.