Costello & Costello, P.C.

Category: Bankruptcy attorney

Address: 333 H St Suite 5000, Chula Vista, CA 91910, USA

Phone: +18774284544

Opening hours

Sunday: 8AM–5PM

Monday: 8AM–9PM

Tuesday: 8AM–9PM

Wednesday: 8AM–9PM

Thursday: 8AM–9PM

Friday: 8AM–9PM

Saturday: 8AM–7PM

Reviews

Jose Segura

May 13, 2022

Guinness Costello is a great Lawyer with a big heart he is a true professional and will be there with you from beginning to the end of your case. Highly recommended no need to look elsewhere. AAAAAAA++++++!!!!

Sandy Vecchio

Sep 16, 2021

Mr Costello is a breathe of fresh air compared to many other lawyers. I found him to be honest, professional, friendly, and helpful. He was careful to explain all details of the situation and what I should expect going forward. His fees were told to me upfront and were very fair. I highly recommend him.

greg santay

Sep 14, 2021

I have used Costello Law Offices on several occasions and was very pleased with the outcome each time. Steve went above and beyond in each situation helping me get things in order. His professionalism and responsiveness were very much appreciated in helping resolve my issues!!!

Gary Hall

Sep 13, 2021

I have had the honor of sending clients to Mr Costello for 15 years in two states . All of my people were treated with respect concern and unmatched professionalism. Competitive fees , most importantly great understanding of current law. So many have been able to transform their financial lives because of this very capable veteran Attorney . In today’s vulnerable market place. I can’t place a value on the priceless service and the protection with confidentiality my people by the hundreds have realized courtesy of Mr Costello .

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Questions & Answers

Can I file bankruptcy and keep my car?

Costello & Costello, P.C. | Oct 5, 2021
Costello & Costello, P.C. | Oct 5, 2021

Yes except in rare cases. In chapter 7, if you have a car payment, you would continue to make the payment if you wish to keep your car.

What property do I lose if I file for bankruptcy?

Costello & Costello, P.C. | Oct 5, 2021
Costello & Costello, P.C. | Oct 5, 2021

The by far great majority of the time the answer is that you lose nothing. The law provides for what is called exemptions which means in most cases the property you have including bank accounts are safe (exempt) from your creditors.

How long does bankruptcy take?

Costello & Costello, P.C. | Oct 5, 2021
Costello & Costello, P.C. | Oct 5, 2021

That depends on the type. With Chapter 7, once the case is filed, it is about three months from beginning to end in the great majority of cases. I often say thought that in a sense it is over the day it starts since on the day the case is filed, a stay goes into effect that prevents your creditors from doing anything to you or even communicating with you. With some few exceptions, your debts are now handled by me from day one.

Can I file bankruptcy on my own without a lawyer?

Costello & Costello, P.C. | Oct 5, 2021
Costello & Costello, P.C. | Oct 5, 2021

Yes, but there a so many pitfalls and many people fail at this often due to the small things and sometimes due to big things. You do not want that to happen. It can be a disaster. As compared to many kinds of legal processes, bankruptcy lawyers are a good deal. Compare to divorce in which you may pay a lawyer many thousands of dollars and typically come out on the other end with less than you went in with. Bankruptcy is often far more affordable and you come out on the other end free of much or all of your debt. So get a lawyer that knows what they are doing and the fee will be well worth it.

How do I know if I qualify for bankruptcy?

Costello & Costello, P.C. | Oct 5, 2021
Costello & Costello, P.C. | Oct 5, 2021

With regard to bankruptcy, it is not as much about whether you qualify for bankruptcy. 99.9% will qualify for some kind of bankruptcy. It really boils down to which chapter of bankruptcy is right for you. The primary kinds of bankruptcy are chapter 7, which is the most common, in which the qualification focuses on income, chapter 13 in which qualification focuses mostly on the amount of debt you have and chapter 11 in which pretty much everyone qualifies but is generally the least preferred method for most people due to its expensive nature (usually but not always for businesses). Do not assume anything. Call me and I can usually tell you after a few questions, which would work best for you.

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