My question involves bankruptcy in the state of: California
I have good credit, no collections, charge offs, 30 days late (ever) BKs etc but I do have high debt (approx 14k) and only net about $1600 a month. Prior to a speeding ticket I received in Nov, I was able to pay all my bills with no money left over. I was late all every bill that I had last month and this month since the court has taken their sweet time to refund me the bail for my cite ($500) and that has doubled my minimum monthly payments making it impossible for me to pay.
Do I have to be late and being harrassed by creditors to qualify for Chap 7 or does it look like I am eligible to start now? If so, is anyone here able to refer me to a good attorney so I don't get screwed over by someone who doesn't know what they are doing? I live in Orange County if that helps.
Thanks![]()

