Costello & Costello, P.C. in Chula Vista has concentrated its practice almost exclusively on bankruptcy since the firm's founding in the early 1960s, making it one of the longest-operating bankruptcy practices in the South Bay. The firm's Chapter 7 liquidation and Chapter 13 repayment-plan filings require detailed means-test calculations, homestead-exemption valuations under CCP § 704.730, and real-property assessments that sometimes involve local brokers such as David Fletes - Realty of America when a debtor's equity position determines whether a home can be retained through the proceeding. A third generation of attorneys now practices at the H Street office, continuing the work of the founding attorney who served as a Chapter 7 trustee in Kane County, Illinois before the practice relocated to California in 1984. Chapter 13 debtors facing mortgage arrears on properties in the Eastlake area or along the Broadway corridor coordinate pre-petition planning with mortgage servicers such as Rocket Mortgage Chula Vista to structure feasible sixty-month repayment plans. The firm's adversary-proceeding docket includes 11 U.S.C. § 523 dischargeability challenges, § 547 preference-recovery actions, and Chapter 11 reorganization plans for small businesses filing under Subchapter V of the Bankruptcy Code.