Debt Lawyer in San Rafael, California
Get a Experienced San Rafael Debt Lawyer Available Statewide in California from Kostopoulos Bankruptcy Law. Reduce Debt, Stop Collections, and Rebuild Your Financial Future.
Get a Experienced San Rafael Debt Lawyer Available Statewide in California from Kostopoulos Bankruptcy Law. Reduce Debt, Stop Collections, and Rebuild Your Financial Future.
Many individuals and families in San Rafael face mounting balances, medical expenses, or collection calls.
If you are unable to keep up with payments and need lasting relief, you may qualify for California debt solutions designed to give you a fresh financial start.
Serving San Rafael from our Oakland, CA location, we quickly triage high‑impact accounts, verify claims, and outline a path that balances speed, total cost, and protection under California law.
Our lawyers sit down with you in San Rafael to understand your budget and repayment needs for Chapter 13.
We organize pay histories, creditor lists, and a feasible plan proposal for court review in San Rafael.
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.
Following your consult, we sequence fast wins—like halting improper contact—then pursue settlements or defenses in parallel. Milestones and due dates are tracked for you in writing.
Clear, upfront pricing with flexible payment options.
Serving clients across California with decades of debt relief experience.
The law provides tools to reduce or channel creditor contact, lawsuits, and garnishments where applicable.
Most clients are able to protect essential assets while resolving debt, where eligible.
Work directly with an experienced attorney throughout your case.
You may qualify for Debt Lawyer in San Rafael if:
Evidence review and claim verification are used to push for the best available outcome.
We assess exemptions, file motions where appropriate, and negotiate underlying debts to lift or limit garnishments.
From EOB disputes to collector calls, we challenge improper charges and pursue reductions or payment plans aligned with your cash flow.
Compounding interest and fees can snowball. We assess each account and pursue settlements, defenses, or structured relief based on your budget.
We analyze note terms, fees, and accelerations; then negotiate or defend to limit exposure and resolve the account.
Our plan aims to end rollovers, consolidate obligations, and stabilize cash flow.
” I was nervous about bankruptcy, but they made it straightforward. No judgment—just practical help and results. “
Danielle N.
” Professional and compassionate. They stopped the garnishment and helped me set up a plan that fits my budget. “
Tyler G.
” They customized my plan and even worked around my pay schedule. I finally feel in control again. “
Marcus W.
We represent clients throughout California; consultations and document exchanges are easily handled by phone and secure upload.
Where allowed, legal notices and ongoing negotiations reduce disruptive calls and letters.
From disputes to settlements, we handle the paperwork and strategy so you can move forward with confidence.
Negotiations often resolve within weeks or a few months; litigation or formal relief can span longer timelines with clear milestones.
Where appropriate, we design a structured plan that may spread arrears across 36–60 months to ease monthly strain.
We plan for both paths—out‑of‑court resolution or litigation—so you’re prepared either way.