Chapter 13 Bankruptcy Lawyers in Union City, California
Compassionate Union City Chapter 13 Bankruptcy Lawyers Available Statewide in California from Kostopoulos Bankruptcy Law. Regain Control, Stop Collections, and Eliminate Debt Legally.
Compassionate Union City 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 Union City 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 Union City to determine the best path under Chapter 13.
Every detail—forms, exhibits, and deadlines—is handled for a smooth filing in Union City.
You get breathing room: lawsuits pause while we steer your case toward confirmation.
Questions later? Our team remains available for updates, modifications, and guidance.
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 Union City 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.
Trustee-supervised payments can resolve arrears while you maintain ongoing mortgage payments.
Plan treatment can reduce or reorganize the debt causing the garnishment.
With the stay in place, lenders must pause repossession while your plan proceeds.
The stay pauses many IRS/State actions while a reasonable plan is reviewed.
Interest and penalties on unsecured debts often stop accruing post-filing.
A single plan helps resolve multiple lawsuits more predictably.
” Great communication and fast filing. The automatic stay kicked in right away and the calls stopped. “
Samantha R.
” Professional and compassionate. They stopped the garnishment and helped me set up a plan that fits my budget. “
Danielle N.
” 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. “
Brian T.
Plan length is usually three to five years, tailored to your budget.
Collections typically must cease upon filing; we notify creditors promptly.
With proper plan terms, many clients keep essential property.
After reviewing documents, we propose a payment you can maintain.
Debts like credit cards, medical bills, and some older tax obligations may be wiped out through bankruptcy while keeping protected assets safe.
Filing bankruptcy puts an immediate stop to wage garnishments and protects your income while your case is pending.