
Quoting
Betty3
You would have to make less than the median family income for a family of four (the # of people in your family) in your state of California for Chapter 7 which is $68,310. However; if a person can pass the Means Test, they can still file a Chapter 7 even if their income is over the median. This is a fairly complicated set of calculations that will identify if you can pay a significant portion of your bills & should be required to do so instead of getting rid of them in a Chapter 7. If you happen to pass the means test, you can file Chapter 7. If you flunk, you would have to file a Chapter 13 repayment plan. You would probably need a bankruptcy attorney to determine if you might qualify for Chapter 7 (help you with the means test) - it's very possible you won't qualify with your income & based on your post but I can't make that as a definite statement.