End The Harassment & Wave Goodbye To Your Debt With Las Vegas’s #1 Bankruptcy Attorney
Let's Discuss Your Options
The Creditors Are Calling, But You Aren’t Answering
You already know who is on the other end of the line. And if you are like millions of people in the country right now who have found themselves unable to meet their financial obligations, you aren’t alone.
The last thing you may have considered is bankruptcy, but you may be afraid of something you don’t completely understand.
What if we told you that filing for bankruptcy can allow you to keep your assets while reorganizing your payments? You can keep your home! You can keep your car! The team of experienced Las Vegas Chapter 7 and Chapter 13 bankruptcy lawyers at Vohwinkel Law can help you determine the best course of action for your unique situation, in order to give you and your family a fresh start.
Experience Relief from Debt and Stress
The most common reasons for bankruptcy today are real-life situations that befall responsible people every day, including:
- Job loss
- Medical issues and expenses
- Divorce
Financial vulnerability can affect all ages and all socioeconomic groups. Nobody is immune from serious financial problems that may cause them to consider bankruptcy.
Choose to keep your assets. Cease the creditor calls. Put a stop to the foreclosure and repossession efforts. Actively repair your financial profile.
Experience the overwhelming relief that comes from seeing a financial light at the end of the tunnel. The skilled team of Las Vegas bankruptcy attorneys at Vohwinkel Law can help make that relief a reality.
Frequently Asked Questions
Yes. Within only a few months you may be able to obtain a major credit card. At the very least, you may obtain a secured credit card and work your way toward an unsecured card.
A bankruptcy on your record will not prohibit you from buying a home, but it may affect the interest rate you can get from a lender willing to finance your mortgage. Most programs require a two-year waiting period after bankruptcy before you can get a home loan again but it differs among lenders and programs are changing all the time so you’ll have to check on the different programs with lenders when you’re ready to buy.
In most cases, yes. In fact, you may have several options available. You may be able to exempt a certain amount of equity in your car as a Chapter 7 exempt asset. You may also either affirm the debt and keep it out of bankruptcy, or you may redeem the car by buying it from the lender at its fair market value. In some cases, it makes better sense not to keep the car. Go over your options with an experienced bankruptcy attorney to decide what is best in your particular situation.
If filing Chapter 7 Bankruptcy, you can exempt a certain amount of equity in your home from the liquidation process, which may prevent its sale. You can also keep your home if you file Chapter 13 Bankruptcy, which does not require any selling off of assets. Chapter 13 can also be used to prevent foreclosure on your home.
If your household income is above the state median in your area, you may be ineligible to file for Chapter 7. A means test will calculate your current monthly income and expenses to determine if you qualify. If you are ineligible to file Chapter 7, you may still obtain relief from Chapter 13.
In November 2017 the Nevada WildCard Exemption went up to $10,000. This more generous exemption will allow us to help you protect more of your possessions and assets during bankruptcy.
The United States Bankruptcy Code is complicated. There are tons of rules, exceptions, and methods to file for protection. There are rarely-used types of bankruptcies that are only open to certain types of businesses. But for most people, there are three major types of bankruptcies.
Out of all the reasons to declare bankruptcy, arguably the most beneficial to you is the discharge of unsecured debts. When a debt is discharged, you are no longer responsible for it. Your creditors cannot attempt to collect on the debt and you have no obligation to ever pay it down.
Who Benefits From Filing For Bankruptcy? It Could Be You!
If you have found yourself behind on your monthly payments and are overwhelmed by the situation, you should consider bankruptcy as an option to alleviate your anxiety and your debt.
Getting the guidance of an experienced Las Vegas bankruptcy lawyer can put your mind at ease.
At Vohwinkel Law, we would be happy to discuss your options regarding manageable debt relief. For the past 20 years, we have assisted people just like you throughout Las Vegas to get relief from their overwhelming financial vulnerability. We can offer you flexible payment options, including $0 down options, and can assist you with refinancing and modification options as well. Let us help you get out from under your financial burden.
Testimonials
"Vohwinkel Law helped me immensely when my ex stuck me with over $25K in debt. All I was doing each month was paying minimum payments (over $1200 each month) and never making a dent in any of the principles. Rory and his team of excellent lawyers and staff helped me get rid of this nightmare and I am forever grateful for it. If you are looking to go through bankruptcy, look no further. It is such a hard decision to make but trust me, Rory makes it all the less painful. From start to finish, my bankruptcy took a couple of weeks and I was informed on every step of the bankruptcy at every stage of the process. God bless you Rory!!"
- Randy Schucker
"We are probably like many others and never thought we would be in a position that required us to file bankruptcy. 2020 thank goodness it's gone. During these unprecedented times, we fell into financial hardship and it was a blessing to find someone who was able to professionally maneuver us through these stressful times."
-Linda Boone
"All financial difficulties were solved by Vohwinkel Law with efficiency and professionalism. From the initial consultation where complex issues were clearly explained, to the paperwork and creditor meeting, all was handled with precision and dispatch. Alex, the smiling face behind the reception counter, moves the cases through the office with practiced ease. I would highly recommend Vohwinkel Law to anyone contemplating a bankruptcy filing."
-Don Becker