Kostiv Cardinal – Best Reorganization Bankruptcy Lawyers in Ontario, CA
Kostiv Cardinal – Best Reorganization Bankruptcy Lawyers in Ontario, CA
At Kostiv Cardinal, we specialize in Chapter 13 bankruptcy, commonly known as reorganization bankruptcy. This form of bankruptcy allows individuals with regular income to create a manageable repayment plan to pay off their debts over three to five years, all while keeping their assets. Our experienced legal team is committed to helping you regain financial stability by guiding you through every step of the Chapter 13 process.
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Areas of Reorganization Bankruptcy Law Practiced in Ontario, CA
Chapter 13 bankruptcy is designed for individuals who have a steady income but are overwhelmed by debt. Instead of liquidating assets, Chapter 13 allows you to develop a repayment plan to pay off your debts over a period of time. At Kostiv Cardinal, we help you create a feasible plan and work with creditors to ensure you can stay on track.
Our attorneys will work with you to develop a repayment plan that is tailored to your financial situation, ensuring that the plan meets the court’s requirements and gives you a realistic path to resolving your debts. Kostiv Cardinal ensures that your plan is fair and manageable, helping you avoid foreclosure and keep your assets.
Unlike Chapter 7 bankruptcy, Chapter 13 allows you to keep your home, car, and other valuable assets while reorganizing your debt. Our team at Kostiv Cardinal helps you maximize your asset protection by guiding you through the exemptions and helping you maintain ownership of essential property.
What Makes Kostiv Cardinal the Best Reorganization Bankruptcy Lawyers?
Filing for Chapter 13 bankruptcy can be an intimidating process, but at Kostiv Cardinal, we strive to make it as seamless as possible. Our team has extensive experience in reorganization bankruptcy cases, and we are committed to providing you with personalized legal support. We understand the financial stress you are facing, and we work tirelessly to help you achieve long-term financial relief.
Watch How Kostiv Cardinal Can Help You With Your Reorganization Bankruptcy Case
See how Kostiv Cardinal is here to help you every step of the way.
Why Choose Kostiv Cardinal for Your Reorganization Bankruptcy Case?
At Kostiv Cardinal, we approach each Chapter 13 bankruptcy case with compassion, dedication, and a deep understanding of bankruptcy law. We work closely with you to develop a repayment plan that fits your financial situation and helps you get back on your feet. Our goal is to ensure you keep your assets and secure a fresh financial start.
Experience and Expertise:
Our attorneys have successfully guided many clients through the Chapter 13 bankruptcy process. We are experts in restructuring debt, working with creditors, and representing clients in court to ensure their repayment plans are approved.
Personalized Attention:
At Kostiv Cardinal, we take the time to understand your unique financial circumstances and develop a strategy that works for you. We’ll guide you through the process, providing regular updates and advice tailored to your situation.
Asset Protection:
One of the key benefits of Chapter 13 bankruptcy is the ability to keep your assets. Our team works diligently to protect your home, vehicle, and other important property while negotiating a repayment plan that works for you.
Let Kostiv Cardinal Help You Achieve Financial Stability
If you’re struggling with overwhelming debt but have a steady income, Kostiv Cardinal is here to help you regain control of your financial future through Chapter 13 bankruptcy. Our experienced attorneys will work with you to develop a manageable repayment plan, protect your assets, and help you secure long-term financial stability. Book your consultation today to learn how we can assist with your reorganization bankruptcy case.
Meet The Kostiv Cardinal Team
Your Reorganization Bankruptcy Lawyers
Kostiv Cardinal Partner With The Best Legal Counsel In the Reorganization Bankruptcy Lawyer field.
Meet Petro Kostiv
Petro Kostiv, founder of Kostiv Cardinal, is an accomplished attorney specializing in immigration and business law with extensive experience representing clients across the globe. Fluent in multiple languages and a licensed commercial pilot, Petro brings a unique, global perspective to his legal practice, delivering exceptional results for clients in immigration, aviation, and international business.
Meet Michael Quiroga
Michael Quiroga is a dedicated attorney at Kostiv Cardinal with over 15 years of legal experience, specializing in immigration law, including asylum cases, removal defense, and special immigrant juvenile status. His deep personal connection to immigration, combined with his professional expertise, drives his passionate advocacy for clients facing complex legal challenges.
Meet Cesar Coronel
Cesar Esteban Coronel is an accomplished immigration attorney with a law degree from Cuenca University in Ecuador and licensure in California. Specializing exclusively in immigration law, Cesar has provide personalized legal services to individuals navigating the complexities of the U.S. immigration system. Cesar is dedicated to offering clients a professional, compassionate approach to their legal needs.
Mayra Arroyo-Massa
With a strong background in immigration and labor law attorney Mayra Francoise Arroyo-Massa is committed to advocating for clients and guiding them through complex legal challenges. Fluent in both English and Spanish, Mayra brings expertise and a passion for making a positive impact in every case with dedication to providing justice with every case she handles.
Sophia Wright
Sophia Wright is a skilled attorney at Kostiv Cardinal, holding bar licenses in both China and the United States. With a Bachelor’s degree in Statistics from Chongqing Technology and Business University, Sophia built a distinguished career in China, specializing in business law, civil litigation, and contract law. Now practicing immigration law in the U.S.
Raul Mejia Santos
Raul Mejia Santos is a dedicated attorney with a deep understanding of the immigrant experience, drawing from his personal journey as an immigrant. He was the first in his family to attend college and has remained active in community organizations in both New York and Puerto Rico. Raul is also a published writer, contributing to legal and professional journals.
Our Commitment To You, Our Client
At Kostiv Cardinal, our team is more than just a group of skilled attorneys; we are dedicated advocates who are committed to delivering exceptional results for our clients. With deep expertise across multiple areas of law, we approach each case with the personalized attention it deserves, ensuring that our clients receive tailored solutions that meet their unique needs.
What Clients Are Saying
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Reorganization Bankruptcy FAQ
Chapter 13 bankruptcy allows individuals with regular income to reorganize their debts into a manageable repayment plan, usually over three to five years. Unlike Chapter 7, you keep your assets while catching up on missed payments and paying off unsecured debts. Kostiv Cardinal can help you create a plan that suits your financial situation.
Most debts, including mortgage arrears, car loans, credit card debt, medical bills, and personal loans, can be included in a Chapter 13 repayment plan. Kostiv Cardinal will review your financial situation and ensure that all eligible debts are properly addressed in your plan.
Yes, one of the advantages of Chapter 13 bankruptcy is that it allows you to keep your house and car, as long as you continue making payments under the repayment plan. Kostiv Cardinal will work with you to protect these important assets and ensure they are included in your plan.
The repayment plan typically lasts between three to five years, depending on your income and the amount of debt you owe. Kostiv Cardinal will help you determine the length of your plan and ensure it is manageable for your financial situation.
Filing for Chapter 13 bankruptcy puts an automatic stay in place, which stops foreclosure proceedings immediately. This gives you time to catch up on missed mortgage payments through your repayment plan. Kostiv Cardinal will ensure that your home is protected and that you have the time you need to get back on track.
Filing for Chapter 13 bankruptcy will impact your credit score, and the bankruptcy will remain on your credit report for seven years. However, Kostiv Cardinal can help you rebuild your credit after bankruptcy and regain financial stability.
If you’re unable to complete your repayment plan, there are options available, such as modifying the plan or converting to Chapter 7 bankruptcy. Kostiv Cardinal will work with you to find the best solution if your circumstances change during the plan.
You may be eligible to file for Chapter 13 bankruptcy even if you’ve filed before, but specific time limits apply. Kostiv Cardinal can review your case and determine whether you qualify for Chapter 13 after a previous bankruptcy.
The amount you repay depends on your income, expenses, and the total amount of debt. Some unsecured debts may be partially discharged, while secured debts must be repaid in full. Kostiv Cardinal will work with you to ensure that your plan is fair and manageable.
The bankruptcy trustee oversees your case, reviewing your repayment plan and collecting payments. Kostiv Cardinal will ensure that your plan is submitted correctly and that the trustee’s requirements are met.
Yes, certain types of back taxes can be included in your Chapter 13 repayment plan. Kostiv Cardinal will review your tax debts and help you include them in your plan if they qualify.
At Kostiv Cardinal, we provide comprehensive legal support for every stage of the Chapter 13 bankruptcy process. From creating a customized repayment plan to protecting your assets and representing you in court, we are committed to helping you achieve financial stability and a fresh start.
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Kostiv Cardinal Ontario, CA Location And Office Hours
ADDRESS:
3130 Inland Empire Blvd, Building D Ontario, CA 91764
OFFICE HOURS:
Monday – Friday 9:00am to 5:00pm
Saturday – 9:00am to 4:00pm
1st and 3rd Sunday – 9:00am to 1:00pm
