Chapter 7 Bankruptcy
The fastest legal way to wipe out unsecured debt and start fresh.
Chapter 7 is what most people picture when they think "bankruptcy." In about 90–120 days, qualifying credit card debt, medical bills, old utility bills, and most personal loans are legally erased. Eugenio has guided thousands of San Diego County families through exactly this process for over 16 years.
Do I qualify?
California has a "means test" based on household size and county median income. Most working families in National City and South Bay qualify. The fastest way to know for sure: take a few minutes to chat with Rami above, or call us — we'll tell you straight.
What can I keep?
California's exemption laws are generous: most clients keep their car, household goods, retirement accounts, and (with proper planning) their home. We walk through your situation specifically before filing — no surprises.
What gets wiped out?
Credit card balances, medical debt, old utility bills, personal loans, deficiency balances on repossessed cars, most lawsuit judgments, and wage garnishments. Student loans, recent taxes, child support, and DUI judgments are not dischargeable.
How the process works
- 1. Free consultation
We listen first. You tell us your situation — debts, income, assets. We tell you honestly whether bankruptcy is your best move.
- 2. Gather documents
Pay stubs (last 6 months), tax returns (last 2 years), bank statements, list of debts. We give you a checklist and help you fill any gaps.
- 3. We file your petition
Once filed, an automatic stay stops creditor calls, lawsuits, and garnishments — that day.
- 4. The 341 hearing
A short meeting with the trustee, usually 30–45 days after filing. Eugenio is with you the entire time. Most last under 10 minutes.
- 5. Discharge
About 60 days after the hearing, the court enters your discharge order. Your qualifying debts are gone — for good.
The fastest way: talk to Eugenio.
Free 30-minute consultation. English or Spanish. No pressure. Right for any case.
Or prep it yourself, for $478 total.
Fresh Slate: our free AI tool preps the forms. Eugenio reviews every filing for $100 before it reaches court. Simple cases only (single, no real estate, mostly unsecured debt).
See if Fresh Slate fits