The median income limits for Chapter 7 bankruptcy means test were released and decide who can file Chapter 7 bankruptcy. These numbers will update again for California median income.
Reaffirmation is where you promise to keep owing debt. The reaffirmation process varies state to state, but generally, the reaffirmation process goes like this.
Each state has rules about what you can keep in Chapter 7. In Los Angeles County -- where the Antelope Valley is -- these are ruled by the California bankruptcy exemptions.
Statement of Intention is where you put yourself back on the hook to owe a debt that would otherwise be cleared in bankruptcy. But you don't get a free car.
Chapter 7 process is a template which can vary case to case. This is grossly over-simplified, but at least can provide a basic road map to where we're headed.