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Bankruptcy destroys your credit. Your credit score indicates how likely it is youll repay debt, so bankruptcy can do tremendous damage to your credit. A bankruptcy will remain on your credit report for up to 10 years, but you can begin rebuilding your credit right away.
You can file your case in one of two ways: electronically using CM/ECF (Case Management / Electronic Case Files) or in person (over the counter) at the courthouse.
The Bankruptcy Self-Help Center is held every Wednesday from 2 to 4 pm (during COVID Operations, you must call for an appointment) at the U.S. Bankruptcy Court, Jacob Weinberger U.S. Courthouse, 325 West F Street, San Diego, CA, or you can contact The Legal Aid Society of San Diego, Inc. at (877) 534-2524.
These procedures are covered under Title 11 of the United States Code (the Bankruptcy Code). The vast majority of cases are filed under the three main chapters of the Bankruptcy Code, which are Chapter 7, Chapter 11, and Chapter 13.
The Central District of California has the distinction of being the largest Bankruptcy Court in the United States. Currently, there are five courthouses in the Central District, located in Los Angeles, Riverside, Santa Ana, San Fernando Valley, and Santa Barbara.
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If your annualized income is below the median income for a family of four (in California this figure differs from state to state), which is $101,315 per year/$50,658 for six months (or below $60,360 per year for a single person), then you pass the means test and are eligible to file a chapter 7.
Christopher B. Latham, Chief Judge Michael Williams, Clerk of Court.
BANKRUPTCY COSTS, EXPENSES RESPONSIBILITY OF CLIENT: BANKRUPTCY EXPENSESAMOUNTBankruptcy Credit ReportINDIVIDUAL: $37JOINT: $74Credit Counseling Course$14.95Court Filing FeeCHAPTER 7: $338 CHAPTER 13: $313Financial Management Course$9.95

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