Chapter 7 Bankruptcy

(949) 222-1041

Chapter 7 is most commonly known as personal or straight bankruptcy. With this option, people can have most debts discharged and walk away with a clean slate and a fresh start.

Heston & Heston is a bankruptcy law firm in with offices in Irvine and Riverside with highly experienced and knowledgeable attorneys. Richard and Halli Heston have practiced law since 1979 and are both Certified Bankruptcy Law Specialists. Since 2014, Benjamin Heston has been focusing his practice on bankruptcy, probate, and related issues. Their expertise and experience enable them to evaluate a client's particular situation and provide effective and successful bankruptcy representation to clients throughout Orange, Los Angeles, Riverside, and San Bernardino Counties.

The Means Test

In 2005, the bankruptcy laws changed and a new Means Test was implemented that made it more difficult to qualify for Chapter 7 bankruptcy. The Means Test is a complex analysis of your current income to determine the amount of “disposable income,” by deducting certain Internal Revenue Service guideline expenses, some of your actual expenses and some hybrid expenses from your income to determine if you qualify for Chapter 7.

Our attorneys have extensive experience working with people to find creative approaches and solutions to help resolve Means Test issues. Once you retain Heston & Heston, you can refer your creditors to our office which keeps the phones quiet at home. Once we file the bankruptcy petition, all creditor collection calls, levies, garnishments or foreclosures will stop as a result of the automatic stay.

Debt Elimination

With Chapter 7 bankruptcy, most unsecured debt can be discharged, including:

  • Credit card debt
  • Medical debt
  • Judgments
  • Personal loans
  • Income tax debt under certain circumstances

Chapter 7 is not available to every client, nor is it advisable to every person who would qualify for Chapter 7. We work with clients to understand their other options, including Chapter 13 and to identify which options would work best for the client's particular situation.

Heston & Heston specializes primarily in debt relief through Chapter 7 and Chapter 13 Bankruptcies.


Our firm has extensive experience and expertise in bankruptcy, having two Certified Bankruptcy Law Specialists, and we can assist most individuals, married couples and businesses with their financial problems through Chapters 7 and 13.

Client Review

Richard and his team were extremely helpful throughout the BK process. Richard Heston answered all of my many questions and was generous with his time. His staff is well organized, which made a difficult process relatively simple. My bankruptcy was due to a business failure. Heston & Heston helped me understand the personal and business issues both pre and post bankruptcy.