Legal Question in Bankruptcy in California

Re: balance transfers

There's no "restriction". All debts are governed by the same criteria. If a creditor can prove that you did not intend to repay your debts when you incurred them, then the debt will be nondischargeable in a CH. 7 case. Doing a balance transfer near in time to filing a CH. 7 case, without many payments made after that, and combined with other factors, can be a factor to the court in making such a determination.