Providing Genuine Care to Your Case


Van Nuys Chapter 7 Bankruptcy Attorneys

We Have Offices in Los Angeles & Irvine

Chapter 7 bankruptcy is a liquidation bankruptcy. It discharges most unsecured debts, like credit cards, medical bills, personal loans, and payday loans. In order to qualify for a typical consumer Chapter 7 bankruptcy, you must pass a “means test,” which takes your household income into account. In most situations, you will also need to show that you have no disposable income to repay your creditors. If your income is too high to qualify for a Chapter 7, you may want to consider Chapter 13 bankruptcy or debt settlement. Chapter 7 is a relatively quick process. You will typically receive a discharge in as little as four to five months after the filing of your case.

A common misconception associated with Chapter 7 bankruptcy is that one cannot keep any assets. Most people are able to keep their cars, house, pension fund, furniture, jewelry, and other assets of value, which an experienced attorney can protect through exemptions. Another misconception is that if one has income that’s too high, that’s an automatic disqualification from Chapter 7. Certain situations allow for Chapter 7 eligibility, despite high income. For example, if a debtor is deemed to have mostly “nonconsumer” debt, such as business debt or medical debt, they may qualify for a Chapter 7 without having to pass the means test. This is why it’s crucial to discuss all alternatives with an experienced attorney.

Contact us at (747) 477-4408. You can also reach us via our online contact form.

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“Karine was very knowledgeable, informative, had great communication and excellent customer service.”

– J.M.

“Bankruptcy can be a very scary thing to go through, but with Karine by your side, you have nothing to worry about.”

– Aurora R.

“Karine was able to address all my concerns and gave me advice on how best to proceed with my case.”

– Jaclyn D.

Contact Us Today!

If you or any of your loved ones need help with or are currently considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy, contact Karine Karadjian, A Professional Law Corporation today. We offer consultations free of charge. Your case will be personally handled by an experienced, caring attorney from start to finish. We can meet you during weekends, early mornings, or late evenings if typical office hours don’t work for you. If we don’t have an office near you, we can meet you at your home, or a local coffee shop if you prefer (coffee on us!). We look forward to getting you back on your feet as quickly as possible.

Why Choose Our Firm?

We Take the Time to Show We Care

Free Phone Consultations
Flexible Scheduling & Accessibility Options
Direct Access to Your Attorney
Consults in English, Spanish, Arabic, Armenian, and French
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