Chapter 7 Bankruptcy

California Chapter 7 Bankruptcy Lawyers

Debt can quickly spiral out of control—whether from job loss, medical bills, credit card balances, or other financial challenges. Chapter 7 bankruptcy offers a legal way to eliminate many unsecured debts and start over with a clean financial slate. At JTN Law, we guide you through the entire process, making sure you understand your rights and options every step of the way.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy, sometimes called “liquidation bankruptcy,” is designed to wipe out certain debts entirely. It can be a powerful tool for people who simply cannot repay what they owe. Most clients can keep their essential property thanks to exemptions under state and federal law.

Once your case is filed, an automatic stay immediately stops creditor calls, collection lawsuits, wage garnishments, and repossessions—giving you instant relief and breathing room.

Debts That May Be Discharged in Chapter 7

• Credit card balances
• Medical bills
• Personal loans
• Utility bills
• Certain judgments

Some debts, like student loans, recent taxes, and child support, generally cannot be discharged. We will review your situation to determine exactly what relief you may qualify for.

Who Qualifies for Chapter 7?

Eligibility for Chapter 7 depends on your income, expenses, and overall financial situation. You must pass the Means Test, which compares your household income to the median income for similar households in your state. Even if you earn more than the median, you may still qualify depending on allowable expenses and other factors.

We handle the Means Test analysis for you and explain all of your options—including whether Chapter 13 might be a better fit.

Why Choose JTN Law for Chapter 7 Bankruptcy?

• Clear, Practical Advice – We explain your rights and options in plain language so you can make confident decisions.
• Personalized Strategy – Every financial situation is unique; we create a plan tailored to your needs.
• Full-Service Representation – From start to finish, we handle all filings, communications, and court appearances.
• Compassion and Respect – We understand this is a difficult time and treat every client with dignity and care.

Take the First Step Toward a Debt-Free Future

If you’re overwhelmed by debt and unsure where to turn, JTN Law can help you understand whether Chapter 7 bankruptcy is right for you. We offer a confidential consultation to review your options and start building a plan for your financial recovery.

Call us today or contact us online to schedule your consultation and take the first step toward a fresh start.