Michael T. Nichols, Esq. practices bankruptcy, personal injury, and estate planning law in Chula Vista from Suite G at 637 Third Avenue, California State Bar #256878. Bankruptcy consultations at the firm begin with a means-test analysis under 11 U.S.C. § 707(b) to determine Chapter 7 eligibility, with tax-return preparation and income documentation coordinated through local preparers such as CHULA VISTA CPA | TAX CPA for accurate current-monthly-income calculations. Admitted to the California State Bar in 2008 with authorization to practice in the Central, Eastern, Northern, and Southern Districts of California, Nichols handles the full spectrum of consumer bankruptcy from petition filing through discharge and post-discharge motions. The personal-injury docket covers motor-vehicle collisions and premises-liability claims, with treatment records from providers including American Chiropractic Services forming the clinical-documentation backbone for pre-litigation demand packages. Estate-planning services include revocable living trusts structured to avoid California probate on estates exceeding the $184,500 threshold, durable powers of attorney under Probate Code Section 4000, and advance healthcare directives compliant with Probate Code Sections 4700–4701.