Chapter 7 Bankruptcy – Liquidation for a Fresh Start

Is Chapter 7 Right for You?

Chapter 7 bankruptcy in California is designed for individuals with little ability to repay debt. Qualification depends on the means test, which measures your income against state standards. Many clients keep their homes, vehicles, and essentials thanks to California’s exemption laws. Our attorneys help you determine if this option fits your circumstances.

The Chapter 7 Process

The process begins by filing a petition, which triggers an automatic stay that stops creditor harassment. A trustee reviews your case, and non-exempt assets may be liquidated. Within three to four months, most unsecured debts are discharged. With a Chapter 7 attorney near me, you’ll have clear guidance through each step.

Debts Discharged by Chapter 7

Typical debts eliminated include:

  • Credit cards
  • Medical bills
  • Personal loans

Some debts remain: student loans (in most cases), recent tax debts, and child support obligations. Understanding what can and cannot be discharged helps you plan effectively.

Protecting Your Assets

California’s exemption system allows many filers to keep essential assets such as a primary vehicle or equity in a home. Our lawyers help maximize these exemptions and, when appropriate, negotiate reaffirmation agreements for mortgages or car loans.

Life After Chapter 7

Once debts are discharged, many clients begin improving their credit within a year. Chapter 7 is not the end of your financial life—it’s often the reset needed to rebuild stability.

Common Questions about Chapter 7

  • Will Chapter 7 stop wage garnishments?

    Yes, the automatic stay halts garnishments immediately.

  • Can I keep my car or home?

    TimelinOften yes, if payments are current and equity is within exemptions.es vary, but many disputes can be resolved in months; more complex cases may require trial.

  • How often can I file Chapter 7?

    A new discharge is allowed every eight years.

Our Chapter 7 Services

At Shioda Langley & Chang, LLP, we handle the full process: means test evaluation, petition preparation, court appearances, and communication with creditors. Our attorneys in Los Angeles, Riverside, and Santa Ana have helped hundreds of Californians eliminate debt through Chapter 7.

Contact Us for a Fresh Start

Debt doesn’t have to define your future. If you’re considering Chapter 7, our attorneys are ready to help you understand the process and start moving forward.