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Chapter 7 Attorneys in Irvine

Providing Orange County Clients a Path Toward Financial Freedom

If you’re in a difficult financial situation with a considerable amount of debt to deal with, undergoing Chapter 7 bankruptcy can free you from the burden caused by most unsecured debts. You may have fallen behind on credit card payments or been hit large medical bills – in either of these cases and more, Chapter 7 can help you diminish or even eliminate your obligation to pay these debts.

At Financial Relief Law Center, APC, we can help you regain financial independence by walking you through each step of the Chapter 7 process. Bankruptcy can be an intimidating prospect for anyone, but it’s important to recognize that it can also be an important tool to clear the foundation for a better and more stable financial situation. If you need support, reach out to the Chapter 7 attorneys at Financial Relief Law Center, APC for assistance.


Contact us online or call (949) 570-5466. When you do, ask about how you can take advantage of a free initial consultation with us to learn more about your options in Chapter 7 bankruptcy.


“The entire team is very efficient and the entire process took less than 3 months for my approval. I highly recommend this firm to all my family and friends and anyone who is in need of legal help.”

- Claudia G.

What Is Chapter 7?

Chapter 7 is the most common form of bankruptcy used in the United States. Available to most individuals and businesses in Orange County, Chapter 7 is also often referred to as “liquidation bankruptcy” because nonexempt property and assets in a debtor’s estate are sold off. The proceeds from a bankruptcy sale are then used to pay creditors and satisfy the debtor’s obligation.

While this is what happens in theory, in many cases it’s possible that all property someone owns can be exempted from seizure and sale. This means the debtor can eject unsecured debt without losing household appliances, jewelry, family heirlooms, and whatever else they may value. An experienced Chapter 7 attorney may be able to help you win such a “no-asset” case or help you keep what’s most important to you should your creditors force a seizure and sale of your property.

Can All of My Debt Go Away?

Not all of your debt will clear in Chapter 7, but most of it can. If you owe a considerable about of unsecured debt – money owed that’s not secured by collateral – most of it can be discharged during bankruptcy.

Common types of unsecured debt include:

  • Credit card debt
  • Personal loans
  • Medical bills
  • Utility bills
  • Back rent
  • Government benefit overpayments

Secured debt, then, is property secured by collateral such as a vehicle or house. Your creditor can seek repayment by repossessing the property or placing a lien against it if you’re behind on payments. If you are up to date on payments for these things but have little or no equity in them yet, your other creditors cannot seek to claim them as payment.

How Do I Qualify for Chapter 7?

Qualifying for this type of bankruptcy is less about what you owe in overall debt and more about other aspects of your life, such as income, family size, and how much secured debt and arrears are tied to you.

You will first undergo a “means test” to determine whether or not your household’s income is below California’s median income. Documentation going back at least six months is also required and should account for expenses such as your mortgage payments, groceries, clothing, medical costs, and other “allowable” expenses. Other expenses are considered disposable income that could be put toward paying off your debt.

If you pass the means test, you’re cleared to file for Chapter 7 in Orange County. If you fail the means test, you may undergo the process again in six months if you think your situation would change enough to pass.

Get Help from Financial Relief Law Center, APC

If you’re considering Chapter 7 to free yourself from overwhelming debt, consult with our attorneys for help. We emphasize working with clients like you on a personal level to build a legal strategy that helps you get the most out of your bankruptcy case. You can expect to be treated by our attorneys with compassion through the process as we work together to help you achieve your goals.

For a free consultation, contact us online and tell us you’re interested in meeting with one of our attorneys to discuss your potential options in Chapter 7.

What Makes Us Different

  • 25+ Years of Combined Legal Experience

    Our team of attorneys has extensive knowledge of bankruptcy and estate planning law, with over two decades of combined experience between them.

  • Solutions Fit for Your Unique Case

    No two individuals, or their cases, are ever identical. We seek to provide viable solutions that your unique case deserves.

  • Constant Client Communication

    You won't be out of the loop! We make sure all of our clients are up-to-date with the status of their case.

  • Free Consultations

    Why pay to have a conversation? Our phone, video and in-person consultations are 100% complimentary.

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We take you and your case seriously. Contact us today for a free initial consultation and we will get back to you shortly!

We Serve Most Counties throughout California!