Chapter 7

Helping you find a way out of debt while keeping what you own
Contact Us Today

What is Chapter 7 Bankruptcy?

Filing For Chapter 7 Bankruptcy Achieve Financial Freedom In Sacramento, CA

Are you struggling beneath the weight of overwhelming debt? Maybe you just went through a divorce, retirement, job loss, or medical emergency. Perhaps your salary was unexpectedly reduced, or you were forced to take time off from work because of a personal matter or a downturn in the economy. You may feel overwhelmed and frightened as you consider Chapter 7 bankruptcy for the first time. You are not alone and Linda Deos, an experienced, compassionate Sacramento bankruptcy attorney can help!


My name is Linda Deos, Attorney at Law and I am a Sacramento bankruptcy lawyer, serving the Sacramento region. Every day I speak with honest, hardworking men, women and business owners just like you who are facing insurmountable debt and financial difficulties. I understand the stress that you are under and I’m here to help! I will listen to you and explore the bankruptcy options that are available to you.

Call Deos Law, PC at 916-442-4442 to schedule your free consultation today.

about chapter 7 bankruptcy

If your income is below a certain level for your family size, you may be eligible to file for Chapter 7 bankruptcy. Chapter 7 allows you to eliminate unsecured debts including: garnishments, credit card debt, medical bills, and repossessions. Our average turnaround time between the time we file your case and the time that you are discharged of your debts is 90 days. Most of my clients keep all of their protected assets in a chapter 7 bankruptcy and start rebuilding their credit right away.

what is the means test?

In order to qualify for Chapter 7, you will need to pass the Chapter 7 qualifying means test. The means test is a federally mandated calculation that compares your average monthly income earned over the last six months to your average allowed expenses. The remainder is your “disposable income.” If this amount is too high to qualify for Chapter 7 bankruptcy, you might still qualify to discharge some debts, and pay back others in manageable payments by filing for Chapter 13 bankruptcy. Linda Deos is well versed on all the nuances of the Means Test to qualify clients for this favorable bankruptcy option.

Contact Us Now

Have Questions?

Call Deos Law, PC at 916-442-4442 today to speak to an attorney.

Disclaimer: We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.

Share by: