When debt piles up, the rules about who qualifies can feel confusing and stressful.
How to qualify for Chapter 7 bankruptcy in California?
You qualify for Chapter 7 in California if your recent income is at or below the state median or you pass the means test, you complete approved credit counseling within 180 days, and you have no prior Chapter 7 discharge within eight years; your assets must also fit California exemptions.
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Frequently Asked Questions
How Long Does Chapter 7 Take In California
Most cases finish in four to six months, assuming forms are complete and no objections arise.
Can I Keep My Car In A California Chapter 7
Yes, if equity fits within the state vehicle exemption or you reaffirm or redeem the loan.
What If My Income Is Above The Median
You may still qualify by passing the second part of the means test that accounts for allowed expenses.
Do Both Spouses Need To File Together
No. One spouse may file alone, though community property rules can affect outcomes.
Will Chapter 7 Stop Wage Garnishment In California
Yes. The automatic stay stops most garnishments as soon as your case is filed.
What Debts Are Not Discharged In Chapter 7
Student loans, recent taxes, child support, and alimony generally survive Chapter 7