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El Dorado County Bankruptcy Means Test Calculator

Automatically apply the El Dorado County expense standards, and California income standards to your means test calculation.

El Dorado County Bankruptcy Court

Find where to file if you live in El Dorado County.

California Bankruptcy Exemption Laws

Automatically apply the El Dorado County expense standards, and California income standards to your means test calculation.

Filing Bankruptcy In El Dorado County, CA

LegalConsumer.com's "Bankruptcy By Zip Code" website has provided free, local bankruptcy information to more than 10 million consumers since 2006!

How to File 

Bankruptcy Court

Exemptions

Types of Debt

  • Secured Debts: Bankruptcy doesn't get rid of secured debts. You'll be asked what you plan to do about your secured debts when you file. Your options are:  -
    • Surrender: Give back the property, and wipe out any remaining deficiency balance in bankruptcy. 
    • Redeem: - Come up with the cash the buy the property outright, at its current value.. 
    • Reaffirm: - Keep the arrangement you have, and leave this debt unaffected by your bankruptcy.
    • Common Types Secured Debts:
      • Mortgages
      • Car Loans
      • Judgement Liens:
        • How to "void" them on exempt property.
  • Unsecured Debts: Most unsecured debts, like credit cards and medical debts can be discharged in bankruptcy.
    • Credit Card Debt
    • Medical Debt
    • Personal Loans
    • Payday loans
  • Unsecured Debts that require extra steps:

DIY Solutions

  • UpSolve: Upsolve is a new way to file for bankruptcy that is well-suited to debtors who have little or no property.
  • SoloSuit: If you've been sued for a debt, SoloSuit can help you stave off a wage garnishment. 

Note: This website is updated as time permits. It is up to you to contact your local court and confirm and update any information you need. Information is not advice. See a bankruptcy lawyer for advice about how the law relates to your situation.

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Means Test Calculator for El Dorado County, For Cases Filed on or after May 15, 2023

The free bankruptcy means test calculator is a free, automated version of the official Means Test Form you must file with the court.

This free automated version:

...to help you determine whether you pass the "means test" for Chapter 7 bankruptcy.

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California Bankruptcy Exemptions - All Categories

California Exemptions Summary:

Homestead

$313,200 to $626,400 depending on the county, and the median sale price for a home in prior calendar year.

2023 California Homestead Calculator (by County)

Vehicle Exemption

Motor vehicles to $3,825, or $3,825 in auto insurance for loss or damages (husband and wife may not double)

Personal Property

Jewelry, heirlooms & art to $9,525 total (husband and wife may not double)Health aids
Building materials to repair or improve home to $3,825 (husband and wife may not double)
Tools, implements, materials, instruments, uniforms, books, furnishings, & equipment to $9,525 total ($19,050 total if used by both spouses in same occupation); amount of exemption for commercial motor vehicle not to exceed $4,850 ($9,700 if used by debtor and spouse in same trade)
Deposit accounts  to $1,826 (as of July 2021 MBSAC for family of 4)

Wild Card

None (use federal non-bankruptcy wage exemption)

Deposit Accounts  to amount "necessary for the support of the judgment debtor, as well as the judgment debtor’s spouse and dependents"(CCP 704.225.) Using this exemption, a family living paycheck to paycheck could likely exempt an entire account balance; however, courts have yet to weigh in on the new law. A debtor must assert this exemption for it to apply.

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How to use ChatGPT (and Other AI Tools) to Navigate the Bankruptcy Process in California

If you've been reading at all, you know that the improvement in generative AI tools, like ChatGPT v.4, have made it possible now to get work done more quickly than ever, especially in knowledge fields like law.

This is great news for consumers because now they can use ChatGPT as a research assistant when exploring their debt relief options.

This article will show you how to effectively use AI tools, like ChatGPT, Google Bard, and Claude.ai, to help you through the bankruptcy process in your state and county.

Getting Started

To effectively use AI, you must understand it's an auto-complete machine. So, to get an answer you can use, crafting the question is very important. This is called prompt engineering. They teach courses in prompt engineering to young lawyers at big law firms.

In our tests here at LegalConsumer.com, we have discovered that GPT4 does best when answering questions like the ones that follow. Sometimes, it will say it can't give you information about legal matters. But, if you rephrase the question and ask what a lawyer would ask me in this situation, it is quite free and gives good information you can use as a foundation for further research. more...