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Chapter 7 Bankruptcy


Debt Liquidation

If you are being crippled by high credit card debt, personal loans, payday loans or medical bills, Chapter 7 may be a way for you to rid yourself of those debts. Also known as “liquidation,” “debt wipe-out” or “fresh start,” Chapter 7 cases are typically resolved 4 months after the filing date. You will receive a Bankruptcy Discharge and your obligation to pay the discharged debts will be over.  


Chapter 7 Bankruptcy is typically reserved for those Debtors who cannot pay back a portion of their debt.  In order to determine whether a person qualifies, they must pass the "Means Test" and show that they are making less than the median income for a household of their size.    Together, we will determine if you qualify and whether filing Chapter 7 is the best option for you.

811 W Morton Ave

Porterville, CA 93257

1010 W Main St

Visalia, CA  93291

The Advantages of Filing Chapter 7 Bankruptcy

The main advantages of Chapter 7 Bankruptcy is that it eliminates a massive amount of your debt in a short amount of time.  Chapter 7 Bankruptcy is a relatively quick and straightforward process, that generally takes a four months from start to finish.  By filing Chapter 7 Bankruptcy, you can do the following:


  • You will eliminate all of your unsecured debt, which means any loan that is not backed by an underlying asset. This includes credit card debt, medical bills, utility bills, personal loans and some taxes. Debts that are not dischargeable include recent taxes, student loans, alimony and child support payments.
  • Generous California Bankruptcy exemptions allow California residents to keep their most of their property after filing for Bankruptcy.
  • You will put a halt to most lawsuits and eliminate the underlying liability through Chapter 7 bankruptcy.
  • You will put an immediate halt to wage garnishments and bank levies.
  • Bankruptcy prevents repossessions, and forces companies that repossessed vehicles or other property to return it.
  • You will be allowed to keep most secured property such as cars and your home as long as you are current on your loan payments.


101 N Irwin St, Ste 112C

Hanford, CA 93230