Chapter 7 Bankruptcy

Are you considering bankruptcy because you are overwhelmed and are losing the battle with debt?

Perhaps you’ve suffered several setbacks in recent years from unemployment, illness, or divorce. Chapter 7 is the original form of “fresh-start” bankruptcy. However not everyone qualifies.

For example, if your income is above the California median, you probably can’t file Chapter 7. Your lawyer will need to apply a bankruptcy “means test” to find out if you qualify. If your income is too high or other factors makes you ineligible, you may be able to file Chapter 13 bankruptcy.

If overwhelming debt is your problem, our free consultation can begin your solution – call 510-233-7700 now! or email the office.


There are a few types of debt that Chapter 7 Bankruptcy does not cancel:

-Liens on personal or real property (the debt will be canceled, but you don’t get to keep the security if you don’t pay for it).

-Most income taxes incurred in the last three years.

-All student loans, unless you qualify for a hardship discharge.

-Child support and spousal support or property settlements.

-Any money owed as a result of injuring or killing someone while you were operating a motor vehicle, vessel or aircraft under the influence of alcohol, drugs, or another substance.


We counsel many people who are interested in filing Chapter 7 Bankruptcy. Our goal is to help you make the right financial decision. Once we agree to work together we will work with you to determine if you are eligible for Chapter 7 bankruptcy and if it’s the best option.

We offer a free 30 minute consultation. Meeting with our bankruptcy attorney implies no obligation and is confidential. Call Dowe Bankruptcy Law at 510-233-7700 to schedule an appointment that fits your schedule.