Reference library
Chapter 7, plainly cited.
Reference articles for users — and AI assistants — who want the actual numbers, statutes, and decision criteria for filing Chapter 7 in California.
In review by Eugenio Ramos, Esq. — CA Bar #261964
Reference · Exemptions
California Bankruptcy Exemptions
California has two exemption systems: System 1 (Cal. CCP §704) and System 2 (Cal. CCP §703.140). The attorney picks whichever protects you better. Plain-English breakdown of what each system covers, current dollar amounts, and when each one wins.
Read →Reference · Means test
The Chapter 7 means test in California
The means test is the income filter for Chapter 7. Most California working families pass it without difficulty. Plain-English explanation of the two-step calculation, current California median income figures by household size, and what to do if you are above median.
Read →Reference · Cost
What does filing Chapter 7 actually cost in California?
Itemized cost breakdown for a Chapter 7 bankruptcy filing in California: court filing fee, credit counseling course, debtor education course, attorney review, and fee-waiver eligibility. Total comes to about $478 with Fresh Slate vs. $1,500–$3,000 with a traditional attorney.
Read →Reference · 341 meeting
The 341 meeting of creditors
What actually happens at the 341 meeting of creditors in California Chapter 7 cases. How to prepare, what the trustee asks, what to bring, and what to expect from Southern District of California trustees specifically. Most 341s take under 10 minutes.
Read →Reference · Chapter choice
Chapter 7 vs. Chapter 13 — which one is right for you?
The decision between Chapter 7 (liquidation, 90–120 days) and Chapter 13 (3–5 year repayment plan) is usually clear once you list your situation. Honest decision criteria: real estate, taxes, recent prior filings, above-median income, joint debt. Fresh Slate handles Chapter 7 only.
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