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Creditors and Bankruptcy/filing bankruptcy in california


How much does the overall cost of a chapter 7 bankruptcy in California average? How long does it take to finalize from start to finish? What paperwork do I need to file on my own?

Hello Bryan:     The typical cost to do a chapter 7 in California is about 1,500 to 2,000, although you might be able to get an attorney to do it for you for around 1,000.     Also, there is a filing fee of 303 dollars, and you have to pay about 25 for debt counseling (which is just a quick test that takes about 15 minutes).   

I have a law degree and I do bankruptcies in California all the time and if I did a Chapter 7 for you I would charge 250.    Also, it is possible that you could get the filing fee waived, depending on where you are in California.    If not, you could pay the 303 filing fee in four installments with nothing down at the time of filing.       Also, it is possible to typical the 25 dollar counseling fee waived.

Can you do it yourself?   Yes, but difficult, time consuming, and a very real chance you will end up losing something that you otherwise would not have lost.   For someone that has never done it (lawyers included) bankruptcy can seem to be quite complicated.

It is hard to say any of this for sure without knowing more specifics about your situation.   For example, if you have judgments against you, or if you own real property, or if you make over a certain amount of income, you may not be able to do this yourself.     

I saw that you just sent me this email a few seconds ago.   If you wanted to call me to talk about your specific situation, I could give you more concrete answers.    You can call me at this number:   915  261-3893    I will not charge you just to talk on the phone.  

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Can answer questions about bankruptcy, lawsuits or judgments that have been filed against you. Also can answer questions about tax issues, property that is facing foreclosure, repossession of vehicles, and wage garnishments. 915 261-3893


Over 30 years experience assisting consumers with lawsuits and bankruptcy matters since graduating from law school.

Numerous published appellate court opinions; Law review publications; Article on consumer bankruptcy in Black Enterprise magazine; was requested to author a book on consumer bankruptcy by Doubleday Publishers

Over twenty years of education including law degree (J.D.); masters and bachelors degrees in political science; author of magazine articles related to consumer bankruptcy; hundreds of hours of continuing education legal education and seminars

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Have had well over a thousand bankruptcy clients during the past 30 years and have had many clients in civil lawsuits during the same time period

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