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Bankruptcy Counseling

FREE Bankruptcy Application Form

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Filing Bankruptcy in California

File for bankruptcy under California bankruptcy laws and save your home today!

If you’re faced with a serious financial problem, and are thinking about filing bankruptcy in California, it’s advisable to seek professional help, and work out your bankruptcy filing in an organized and planned way. California bankruptcy filings can prove to be troublesome from the legal point of view, since bankruptcy filings stay on the credit report for a long time, and hamper your future credit facilities. Under California bankruptcy law, it’s possible for the debtor to file for California Chapter 7 bankruptcy, or if you’re not eligible for that, then it’s advisable to try for California Chapter 13 bankruptcy. California bankruptcy attorneys are the best professionals to advise you which bankruptcy is suitable for you, so it’s worth contacting one in your area.

State exemptions in California

Federal bankruptcy exemptions not available in California

Homestead

Real or personal Property you own and occupy including your mobile home, boat, stock cooperative, community apartment, planned development or condominium to $75,000.00 if single and not disabled; $100,000.00 for families if no other family member has a homestead; $150,000 if age 65 or older, or physically or mentally disabled; $100,000 if 55 or older, single and earn less than $15,000 or married and earn less than $20,000 and creditors seek to force the sale of your home; sale proceeds exempt for 6 months after received (husband and wife may not double the amount.)

Wages

A minimum 75% of total wages

Wild card

None available - use the federal non-bankruptcy wage exemptions instead

Automobiles

Motor vehicles up to a maximum of $2,725, or a maximum of $2,725 for auto insurance loss, or damages (husband and wife cannot double)

Insurance

Insurance exemptions such as: Disability or health benefits; Fraternal unemployment bonds; Life insurance proceeds or avails if clause prohibits proceeds from being used to pay beneficiary's creditors; Fidelity bonds; Homeowners' insurance proceeds for 6 months after received, to homestead exemption amount; Matured life insurance benefits needed for support; Un-matured life insurance policy loan value to $10,775 husband and wife may double to $21,550.

Pensions

County employees; County firefighters; County peace officers; Private retirement benefits, including IRA's and KEOGHS; Public employees; Public Retirement benefits

Misc.

Business or professional licenses exemption

California bankruptcy lawyer

Bankruptcy laws differ from state to state, and so it's imperative you discuss your debt and financial conditions with your California bankruptcy attorney today, and get authentic counseling for your bankruptcy filing procedure. Generally, California bankruptcy lawyers offer some free services, and many federal and state governments provide free bankruptcy related help too, so it’s recommended you find out about such institutions in your area, and avail your free bankruptcy aid today.

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