Do I have too much income or debt to file for Chapter 7 bankruptcy? Learn the income levels in California and whether you should file for Chapter 7 or 13.
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Falling behind on your mortgage? It’s a scary thing to deal with, especially with the looming specter of foreclosure. While that is an option, most lenders use foreclosure as a last resort. Modification of your mortgage can lower your payments and give you the time you need to get back on track.
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If you make less than the California median income, you'll likely qualify for chapter 7 bankruptcy. If you make more, you'll have to pass the means test.
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The goal of consumer bankruptcy is almost always the bankruptcy discharge. But a discharge can be denied for many reasons, most of which involve fraud or mismanagement of your property, financial records, or the bankruptcy process itself.
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