Business Details
21 Years
experience
Emergency
services
Your Trusted Bankruptcy & Debt Relief Solution in Michigan & California
Kostopoulos Bankruptcy Law has been a trusted advocate for individuals and families overwhelmed by debt since 2005. With over 10,000 successful bankruptcy cases resolved, our firm combines legal expertise with compassionate guidance to help clients achieve financial freedom. Our team of seasoned attorneys operates across Michigan and California, offering personalized solutions for Chapter 7 and Chapter 13 bankruptcies, debt consolidation, and student loan relief. We prioritize client education, transparent communication, and ethical representation, ensuring every client receives tailored advice that aligns with their unique financial situation.Our multilingual staff and flexible payment plans make our services accessible to diverse communities, while our proven track record demonstrates our commitment to delivering measurable results. By staying at the forefront of bankruptcy law developments, we provide authoritative counsel that empowers clients to rebuild their financial futures with confidence.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Consolidation
Student Loan Forgiveness
Creditor Harassment Protection
Wage Garnishment Relief
Medical Debt Discharge
Foreclosure Prevention
Bankruptcy Consultation
Debt Settlement
Details
- Year established: 2005
Highlights and features
- We have resolved over 10,000 bankruptcy cases successfully
- Our team offers multilingual support in 5 languages
- Flexible payment plans start at just $100 down
- We serve clients across two states with local offices
- Client testimonials highlight exceptional personalized service
What people say
Polite and professional
Stopped garnishment immediately
Smooth bankruptcy process
Knowledgeable staff
Life-saving financial relief
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation. This service helps clients discharge medical bills, credit card debt, and other obligations while protecting essential assets. Our attorneys guide clients through the means test qualification process and ensure compliance with state exemptions.
Chapter 13 Bankruptcy
Chapter 13 establishes structured debt repayment plans for clients with regular income. This service allows debtors to retain property while repaying creditors over 3-5 years. Our team negotiates favorable terms with creditors and ensures court-approved payment plans that match clients' financial capabilities.
Debt Consolidation
Debt consolidation combines multiple obligations into one manageable payment. This service helps clients reduce interest rates and simplify payments through legal debt restructuring. Our attorneys negotiate with creditors to lower balances and create sustainable repayment timelines.
Student Loan Forgiveness
Student loan forgiveness programs eliminate educational debt through federal initiatives. This service assists clients with Public Service Loan Forgiveness (PSLF) applications and Income-Driven Repayment (IDR) plans. Our experts verify eligibility and manage documentation for loan discharge processes.
Creditor Harassment Protection
Creditor harassment protection stops collection calls and lawsuits through legal interventions. This service utilizes automatic stays to halt wage garnishments and debt collection activities. Our attorneys represent clients in disputes over improper collection practices and negotiate debt settlements.
People
Rita Kostopoulos
Attorney
Experienced bankruptcy attorney with specialization in consumer debt relief and financial restructuring. Provides compassionate legal counsel to help clients achieve debt-free futures through strategic bankruptcy filings and debt negotiation.
David Yu
Attorney
Skilled debt relief lawyer focusing on Chapter 7 and Chapter 13 bankruptcies. Offers multilingual legal services to diverse clients while maintaining a client-centered approach to financial rehabilitation and creditor protection.
Daniel E. Bassir
Attorney
Dedicated bankruptcy practitioner with expertise in stopping foreclosure proceedings and wage garnishments. Specializes in complex debt discharge cases while providing clear, actionable legal guidance to individuals facing financial crises.
Luke Hayes
Attorney
Consumer protection attorney focused on debt relief solutions and creditor harassment defense. Combines legal expertise with personalized service to help clients navigate bankruptcy processes and achieve financial stability.
Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates unsecured debt through asset liquidation, while Chapter 13 creates structured repayment plans for debtors with regular income.
Can bankruptcy stop wage garnishment immediately?
Yes, filing for bankruptcy triggers an automatic stay that immediately halts wage garnishment and creditor collection actions.
How long does bankruptcy stay on credit reports?
Chapter 7 remains for 10 years, while Chapter 13 stays for 7 years. Both allow credit rebuilding during and after the process.
Are medical bills dischargeable in bankruptcy?
Yes, medical debt qualifies as unsecured debt and can be completely discharged through Chapter 7 bankruptcy proceedings.
Can I keep my car during bankruptcy?
Chapter 7 may allow car retention through exemption laws, while Chapter 13 lets you keep vehicles by continuing payments through repayment plans.
What debt cannot be discharged?
Non-dischargeable debts include most student loans, child support obligations, recent tax debts, and debts from fraud or malicious acts.
