Where do I file for bankruptcy if I live in San Diego County versus Sacramento County?

You file for bankruptcy in the federal district court where you have lived for the majority of the past 180 days. For San Diego County, this is the Southern District of California; for Sacramento County, it is the Eastern District of California. Here is how to determine the correct court and file your case: Step 1: Determine Your Residency Federal law requires you to file in the district where you have lived for the greater part of the 180 days immediately before filing. Calculate this period carefully. For example, if you lived in San Diego County for 100 of the last 180 days, you would file there, even if you just moved to Sacramento. Step 2: Identify the Correct Court Division If you live in San Diego County, you will file with the U.S. Bankruptcy Court for the Southern District of California, located in San Diego. If you live in Sacramento County, you will file with the U.S. Bankruptcy Court for the Eastern District of California, at its Sacramento division. Step 3: Complete the Bankruptcy Petition and Schedules You must prepare a significant amount of paperwork. This includes the official bankruptcy petition, financial schedules listing your assets and debts, a statement of financial affairs, and proof of credit counseling. Step 4: File Your Case with the Court You can file your completed petition and supporting documents with the clerk of the correct bankruptcy court. Most attorneys file electronically, but individuals filing without an attorney (pro se) can typically file in person at the courthouse. You must also pay the court's filing fee or apply for a fee waiver. Important Details and Nuances: Even though you file in federal court, California state law governs what property you can protect using exemptions. California filers must choose between two sets of exemptions (System 1 or System 2), which include protections for your home (the homestead exemption), car, and other assets. This is a critical decision that affects what you get to keep. Warnings and Limitations: Filing in the wrong court can lead to your case being dismissed or transferred, causing delays and potentially costing you more money. The 180-day residency rule is strict. If you have moved recently, it is essential to calculate your residency period accurately. This is general information and does not constitute legal advice. For complex situations, and to ensure you protect your assets properly, consult with a qualified California bankruptcy attorney.