Chapter 7 Bankruptcy Attorney Serving The San Francisco Bay area
Is Chapter 7 Bankruptcy Right for Me?
In a Chapter 7 bankruptcy, you may be able to eliminate most unsecured debts, including payday loans, medical bills, credit cards, personal loans, and past repossessions. In many cases, you can keep your home and car as long as you stay current on your payments. The benefits begin immediately — once you file, the calls, lawsuits, garnishments, and bank freezes stop, giving you the relief you need to move forward.
Because Chapter 7 has specific eligibility requirements and important legal steps, it’s essential to have knowledgeable guidance from someone who understands the process. At The Law Office of Eric J. Gravel, we assist individuals and families throughout the San Francisco Bay Area — including San Francisco, Oakland, Berkeley, Alameda, and surrounding communities — in pursuing meaningful financial relief. With more than 17 years of experience, we’re committed to helping you move toward a fresh start.
Call The Law Office of Eric Gravel at 415-843-7454 to schedule a consultation with a lawyer today.
Are There Any Types of Debt Chapter 7 Doesn’t Cover?
Unfortunately, a Chapter 7 bankruptcy does not erase every type of debt you may have. Certain obligations — including overdue income taxes, child support, spousal support, and most student loans — typically remain even after your case is completed. However, while Chapter 7 may not eliminate these specific debts, it does provide a major advantage by allowing you to discharge other burdensome obligations such as credit card balances and medical bills.
By freeing yourself from these debts, you can increase your available income, making it easier to manage the remaining obligations. Because bankruptcy laws can be complex, especially in high-cost areas like the Bay Area, it’s important to work with an experienced legal team. At our firm, we take the time to carefully review your financial situation and help you build a strategy aimed at reducing your overall financial burden. With our guidance, you can move toward long-term financial stability and peace of mind.
What Are Some of the Requirements for a Chapter 7 Bankruptcy?
To ensure that Chapter 7 bankruptcy is utilized fairly and appropriately, applicants are required to first pass a financial assessment known as the means test. This crucial test demonstrates to the court that your income does not reach a level sufficient to reasonably allow for the repayment of your outstanding debts. In addition to passing this test, it is mandatory for applicants to complete an approved financial counseling course within six months prior to filing for bankruptcy. This course is designed to equip you with essential knowledge about managing your finances more effectively in the future.
To avoid any potential delays or mistakes in your application process, it is vital to thoroughly review these requirements and guidelines before submitting your case to the court. Legal complexities can often arise, and having a clear understanding of what is expected will save you time and trouble. Attorney Eric J. Gravel is well-equipped to guide you through this process, helping you determine your eligibility, prepare the necessary paperwork, and navigate each step along the way. His expertise will ensure that everything proceeds as smoothly as possible, alleviating any stress associated with the bankruptcy filing process.
CHAPTER 7 — FAQs
Can I qualify for Chapter 7 if I live in a high-cost Bay Area city?
Yes. Eligibility depends on income compared to California’s median levels, not local cost of living.
Will Chapter 7 stop collection calls right away?
Yes. The automatic stay begins as soon as your case is filed, stopping all creditor actions immediately.
Can Chapter 7 eliminate medical debt and credit cards?
Yes. These are common unsecured debts discharged in Chapter 7.
Will I have to go to court for Chapter 7?
Most clients only attend a short trustee meeting (341 meeting), which can be done by phone or video.
Can I keep my car in a Chapter 7 bankruptcy?
In most cases, yes—especially if you are current on payments and your equity fits within California’s exemptions.
Disclaimer: We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.
Have Questions About Bankruptcy?
Contact The Law Office of Eric Gravel at 415-843-7454 — we’ll take the time to answer your questions and help you understand your options.