Seek Counsel from the Best Bay City Bankruptcy Attorneys!

At Kostopoulos Bankruptcy Law, we have helped more people than we can count with filing for bankruptcy, dealing with repossession, settling medical and other debt, and much more. We know that choosing the right attorney can be tough. We truly care for our clients and want to help them through the challenging legal system. We can give you what we call fresh start bankruptcy.

When you file for bankruptcy in Bay City, MI, it starts a legal case where a court will analyze your assets and liabilities. A judge can rule to forgive you debts, so you won’t have to pay them. Since bankruptcy is outlined in federal law, any Bay City lawyer has to follow the procedures.

Not only are we one of the best Bay City bankruptcy law offices, but we are also known for counseling clients in many areas of bankruptcy. If you are looking for a certain representation, check out what we practice here.

Credit Card Debt

Bankruptcy really helps you get out of credit card debt. It can stop the need to spend most of your money to prevent falling farther behind in debt, so you can focus on daily living expenses again. It will stop creditors’ collection efforts.

Creditor Harassment

Creditors may begin to harass or embarrass you in order to collect your debt. Have you been intimidated? Has your boss been told about your debt? Are there any other coercive methods applied to you? If any of these are true, get in touch with us for a consultation.


Facing foreclosure is a terrifying thing. Your home is your safe place and a large financial investment. As soon as you file for Chapter 7 or Chapter 13 bankruptcy, foreclosure proceedings will halt. It begins an automatic stay that keeps you in your home no matter what, even with an eviction notice. If foreclosure is threatening your home, contact Kostopoulos Bankruptcy Law and the Rita Kostopoulos law firm.

Tax Forgiveness

Generally, taxes cannot be discharged in bankruptcy. But, there’s usually an exception to any rule. Filing for bankruptcy may allow you to have back taxes, fines, and penalties forgiven. You do have to meer the IRS requirements for tax forgiveness. Let a professional from Kostopoulos Bankruptcy Law help you with this.

Medical Expenses

Medica expenses are one of the most common reasons for bankruptcy. With the prohibitive cost of medical insurance, medical expenses can really hurt your finances. When you have expenses that aren’t covered by insurance, they can be very expensive. It can feel like you’re losing control of your life, even if you are a hard worker. Let us help you get your bills paid with our fresh start legal services.

Facing Repossession

Is there a lender for your car loan who is trying to repossess your vehicle because you failed to make payments? Vehicles like cars and trucks are some of the most commonly repossessed assets. At Kostopoulos Bankruptcy Law, we have assisted hundreds of clients in keeping their vehicles. We would love to help you with our counsel and legal support so that you can keep control of your vehicle or get it back after a repossession.

Wage Garnishment

Are you having a portion of your paycheck taken? When your wage is garnished, a portion of your paycheck is given to creditors to reimburse them. Wage garnishment can be used to pay back some debts even without a court order. Some of the debts eligible for wage garnishment are postponed student loan debt, overdue income tax debt, and unpaid childcare.

Student Loans

Being unable to pay your student loan debt can make you question your decisions. If you need a fresh financial start, then Kostopoulos Bankruptcy Law is here to help. We are your best resource for regaining control of your finances. Let us talk through your case with you so we can decide if bankruptcy or student loan modification are right for your situation.

Is bankruptcy the right decision for me?

There are many deb-related solutions open to you, and some of them involve bankruptcy. If you’re unsure about filing for bankruptcy, then we can explain all of your options to you. Our attorneys at Kostopoulos Bankruptcy Law have the expertise to give you a free consultation to help you understand. The consultation is free with no strings attached, so you have nothing to lose by meeting with us.

Will filing for bankruptcy protection help me?

Yes it will. As soon as you file for bankruptcy, creditors cannot collect from you anymore. They can’t even try, no more phone calls or litigation attempts, no more bank taxes or wage garnishments. With Chapter 7 bankruptcy Bay City, at least the majority of your debts will be discharged, if not all of them. Bay City Chapter 13 bankruptcy can consolidate your debts so that you have time to repay them.

What is the most common myth about bankruptcy?

The biggest myth about bankruptcy is that you will lose everything. This is not true. For most of our clients, they kept all of their assets. Get in touch today to set up a free consultation to learn about bankruptcy from the experts. We can make the process simple and easy for you.

We have seen too many people getting incompetent representation from other lawyers. At Kostopoulos Bankruptcy Law, we have the expertise to get you control of your finances again.

Kostopoulos Bankruptcy Law & the Best Bay City Attorneys at Law!

Our team of experienced bankruptcy lawyers are friendly and understanding. We will do everything we can to give you a high-quality level of representation. We are not one of those attorneys who just wants to make some quick cash off of you.

We have experienced Bay City bankruptcy lawyers who can speak with you about your case. We have the expertise and board certifications to help you find your way to financial freedom. Get in touch now to learn more about what we can do, and how we’ll personalize your case so that you can enjoy financial stability again.