Chapter 13 Bankruptcy Lawyers in Simi Valley, California
Top-Rated Simi Valley Chapter 13 Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Top-Rated Simi Valley 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 Simi Valley 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.
Start with a focused strategy session in Simi Valley to determine the best path under Chapter 13.
Every detail—forms, exhibits, and deadlines—is handled for a smooth filing in Simi Valley.
Immediately after filing, collections stop, and we represent you through the 341 meeting and plan confirmation.
We provide ongoing support throughout your plan so you stay on track to discharge eligible debts.
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 Simi Valley 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.
A structured plan may spread arrears across 36–60 months, easing monthly strain.
Most creditor garnishments pause, letting you prioritize necessities again.
With the stay in place, lenders must pause repossession while your plan proceeds.
Your plan may prioritize qualifying taxes while protecting your budget.
Chapter 13 can consolidate unsecured debt into one manageable payment.
Court protection can stop new judgments while debts are reorganized.
” Great communication and fast filing. The automatic stay kicked in right away and the calls stopped. “
Victor C.
” 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. “
Rachel D.
” Great communication and fast filing. The automatic stay kicked in right away and the calls stopped. “
Tyler G.
Your trustee and the court set a 3–5 year term based on your circumstances.
Yes—once filed, the automatic stay generally halts most collections immediately.
Eligible arrears can be spread out so you keep making ongoing payments.
It’s based on income, expenses, and debts; we calculate a realistic figure with you.
Most unsecured debts, including credit cards and medical bills, can be discharged in bankruptcy, depending on your case.
Yes, filing for bankruptcy immediately stops wage garnishments and most collection efforts through the automatic stay.