Chapter 7 Bankruptcy Attorney Southern California

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 file more than 10,000 bankruptcy cases 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 Chapter 7 bankruptcy attorneys to learn more whether you qualify and if is the right choice for you.


  • Wadhwani & Shanfeld I feel very lucky to have just found you.
  • Wadhwani & Shanfeld You saved my house I am very appreciative.
  • Wadhwani & Shanfeld I was very lucky to have been referred to him and I am now starting my life again debt free!
  • Wadhwani & Shanfeld THANK YOU for the great service and help you have provided me and my family.
  • Wadhwani & Shanfeld very helpful during the bankruptcy process
  • Wadhwani & Shanfeld Thank you for all the great work you and your team have done.
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