What Debts Can I File Bankruptcy on in California?

If you’re struggling with debt, you may be wondering: What debts can I file bankruptcy on in California?

In California, bankruptcy can eliminate debts like credit card balances, medical bills, personal loans, utility bills, and certain car loans. However, obligations such as child support, most student loans, and some taxes typically cannot be discharged.

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How Much Does it Cost to File Bankruptcy in California?

If you’re considering bankruptcy, one of your biggest concerns might be the cost. You may be wondering: How much does it cost to file bankruptcy in California?

As of 2025, the court filing fees for bankruptcy in California are:

  • $338 for Chapter 7
  • $313 for Chapter 13

Beyond court fees, attorney costs can range from $1,000 to $5,000, depending on the complexity of your case. Other expenses may include credit counseling courses and miscellaneous administrative fees.

With decades of experience assisting Californians through the bankruptcy process, I’ve helped countless individuals understand the financial aspects of filing. Let’s explore the full cost breakdown and what to expect when filing for bankruptcy in California.

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How Long Does it Take to File Bankruptcy in California?

If you’re considering bankruptcy, you may be asking: How long does it take to file bankruptcy in California?

In California, a Chapter 7 bankruptcy case typically takes 3 to 6 months from filing to discharge, while Chapter 13 cases last 3 to 5 years due to their structured repayment plans. More complex cases may take longer.

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