How to file a chapter 7 in california

In other words, if you are three or four months behind, then you must pay the back payments which are due in order to reaffirm it.

You can selectively reaffirm your debts — you can state that you wish to keep the house and the furniture, but that you want the car and the jewelry to go back to the respective Creditors.

Approved California Debt Education Courses. Depending on your situation, having a lawyer help you with your bankruptcy filing may be a good investment. There are a variety of organizations, non-profits, and other resources available to anyone looking to file Chapter 7 bankruptcy in California.

California Indian Legal Services, Inc. Escondido Boulevard, Escondido, CA California Rural Legal Assistance, Inc. Inland Counties Legal Services, Inc. Edward R. Robert F. Robert E. Robert T. Attorney Andrea Wimmer. Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team as Managing Editor.

While in private practice, Andrea handled Take our screener to see if Upsolve is right for you. Upsolve is a c 3 nonprofit that started in Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U. To learn more, read why we started Upsolve in , our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.

Free Articles. Bankruptcy Tool. Filing Guide. Once your non-exempt property is sold and your secured loans are handled, your remaining unsecured loans are discharged. Your unsecured debts include credit card debt, medical debt, and personal loans. Remember that some types of debt cannot be discharged. These include student loans debt, debt incurred due to driving drunk, child support debt, and spousal support debt.

Your credit score will be somewhat damaged by a bankruptcy, but it was probably already damaged by missed payments.

Then, pay the card off in full every month. Your credit will be healthy again in no time. If you think bankruptcy might be the solution to your debt problems, contact one of our experienced local bankruptcy attorneys today for a free consultation and case evaluation.

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However, California also has one of the highest poverty rates in the nation. Its high cost of living is a major reason for decreasing economic output and increasing poverty. Those struggling with debt may have somewhere to turn, however — bankruptcy. Since bankruptcy law is federal, many of the same principles apply in bankruptcy cases regardless of where the case is filed.

However, exactly what happens to your property once you enter the jurisdiction of the bankruptcy court is another matter entirely. Each state, including California, has its own set of laws that dictate how much property debtors can shield from their creditors both inside and outside of bankruptcy. These laws are called exemption laws. Your property is only vulnerable to the extent it has value over and above any outstanding loans.

In a Chapter 7 case, it means that your stuff could be sold as part of a liquidation sale by the trustee. In a Chapter 7 case, any property you own that exceeds the applicable exemption limit could be subject to sale by the trustee. As a practical matter, most people keep their stuff through the Chapter 7 process; however, now you know what it means when we say your stuff could be vulnerable.