In light of the current health crisis, we are happy to offer free telephonic consultations. Should you choose to retain our services, we can easily handle the bankruptcy process via telephone and email. We hope that everyone remains safe and healthy during these unprecedented times.
Bankruptcy Attorneys Serving Southern California
Chapter 7

Chapter 7 Bankruptcy Attorney Los Angeles

Wadhwani & Shanfeld — Helping You Choose the Ideal Path to Financial Freedom

When you call or sit down with a knowledgeable Los Angeles Chapter 7 bankruptcy lawyer from our team, we can help you discover which debt relief solution is suited to your needs. Our lawyers have helped more than 20,000 people across California. We have more than 65 years of collective experience and a reputation in the Southern California community for aggressive advocacy and informative counsel.

Don't hesitate to obtain the professional assistance you need to get your finances back on track. Call Wadhwani & Shanfeld today to speak with our team and get a free case evaluation!

We have offices conveniently located in Los Angeles, Sherman Oaks, Palmdale, Lancaster, Ontario, and Long Beach.

We Provide Practical, Customized Debt Relief Solutions

Chapter 7 bankruptcy is the most common form of bankruptcy that allows the filer to achieve financial freedom from debt in the most efficient manner possible by eliminating unsecured debts. Debt is considered "unsecured" if it is not attached to a material form of collateral.

Examples of unsecured debt include:

  • Credit card debts
  • Medical bills
  • Personal loans
  • Payday advances

Chapter 7 bankruptcy in California offers many benefits, such as enabling you to clear your debt in as little as four months. While Chapter 7 bankruptcy is beneficial because it is the quickest and easiest option for a debt-free future, not everyone can qualify.

Chapter 7 Bankruptcy Eligibility in CA - The Means Test

Also known as "straight" or "liquidation" bankruptcy, Chapter 7 bankruptcy can only be filed by individuals who pass the qualifying means test. This test was established by the United States Congress in 2005 and is designed to weed out individuals who have the financial capability to repay their debts under the Chapter 13 bankruptcy repayment plan option.

In order to pass the means test, you must demonstrate that you cannot afford to repay your debt.

  • First, the means test compares your income to the median income of the same household size in your county.
  • If your income is lower than the median income, you pass the means test. But, we are able to qualify many of our clients whose income is higher than the median income.
There are many factors that can influence your eligibility for Chapter 7 bankruptcy. We encourage you to contact our Los Angeles Chapter 7 bankruptcy attorneys to learn more whether you qualify and if is the right choice for you.

Client Testimonials

We've Helped Over 20,000 Satisfied Clients
  • “Very professional, helpful. Would recommend to anyone.”

    - Jose Portillo
  • “5 stars very very helpful. walked me through filing .”

    - Joan Bevis
  • “Very professional, easy process and always available to answer questions, Thank you”

    - Ikram Kacem Nsiri
  • “Wadhwani & Shanfeld was very professional and always answered my questions. We are so grateful for them.”

    - Christopher & Jillian West
  • “I very much liked Raj and his staff and I would give them 100 stars if possible. I was kept informed and very happy with the end results. Thanks again...Steve”

    - Stephen Grossman

Why Choose Wadhwani & Shanfeld?

The Right Attorney Can Make A Difference
  • Invaluable Bankruptcy Insight

    Attorneys Raj Wadhwani and Greg Shanfeld are Board-Certified Bankruptcy Specialists who leverage their insight on behalf of clients. 

  • Hands-On Guidance

    Our legal team does all of the work for you, including filing paperwork, keeping track of deadlines, and providing protection from creditors.

  • Experience Where it Counts

    Our attorneys have over 65 years of collective experience helping clients in a broad range of bankruptcy and debt settlement cases.

  • A Prolific Record of Success

    Our firm has successfully helped more than 20,000 people put the pieces of their lives back together after a bankruptcy.

Begin Putting the Pieces Back Together

If you're struggling with debt, the most important thing you can do is hire the right attorney. At Wadhwani & Shanfeld, we have successfully filed over 12,000 bankruptcy cases and helped over 20,000 people get back on their feet.