Long Beach Chapter 7 Bankruptcy Attorney

If you pass the Mean’s Test, there are several documents you must file in order to start the process. You must provide the bankruptcy court in your jurisdiction with the following information:

  • A list of all of your creditors and the type of debt you owe
  • Your monthly income
  • The amount you owe to your creditors
  • A list of all of your property
  • A list of your monthly living expenses, such as food costs, housing payments, utility bills, etc.
  • The amount of money you make per month
  • The amount that you owe each creditor and the nature of the debt

After filing for Chapter 7 bankruptcy, creditors cannot pursue any type of harassing collection efforts in order to collect the money you owe. Creditors are also exempt from executing judgments, foreclosing on your home, garnishing your wages and levying your bank accounts. Once you file for bankruptcy, all of your creditors receive written notice of the action and a Chapter 7 bankruptcy trustee is assigned your case. A trustee examines all of your property and may require you to surrender any non-exempt items of value to repay your creditors. Few debtors in Chapter 7 bankruptcy actions end up losing their property trustees will only force the sale of assets that are worth enough to make a financial difference. After your case is reviewed, you will be required to attend a creditor’s meeting where the trustee will question you about your debt. Once this process is complete, the court will then discharge all of your qualifying debts.


Contact your Long Beach Bankruptcy Lawyer to discuss your options.

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