If you’ve found this page, you probably know that you need some financial help. Our Chapter 13 bankruptcy attorneys know that good people like you need help sometimes. What you might not know is that, even when you’re down on your luck, you have options. Let our Las Vegas bankruptcy lawyers help you understand how Chapter 13 bankruptcy works. Contact us to begin immediately working on your case.
Our bankruptcy lawyers are currently taking new cases. Each new client starts with a free consultation with our experienced team. Reach out to us by phone, chat, email, or fill out our booking form to schedule your free consultation. Contact us today to see what our bankruptcy lawyers can do to fight for you.
When you work with our experienced legal team, we make sure you choose the best possible path to a new start. If filing for Chapter 13 bankruptcy is the best option for you, we make sure that you understand why.
We work aggressively to pursue your right to financial freedom under Nevada law. When you reach out to schedule your free, no-obligation consultation, we will walk you through all of your options, so you have all the information you need to find the right bankruptcy solution for your situation.
You can reach out to our bankruptcy attorneys in these ways:
Our bankruptcy attorneys are friendly, understanding, aggressive litigators. Contact us today to see just how affordable and beneficial a bankruptcy attorney can be for you!
Chapter 13 bankruptcy is a legal proceeding that allows you to catch up on some of your debts and discharge other debts. If you have a steady income, a Chapter 13 bankruptcy allows you to get rid of the debts you can’t pay while keeping the things that are the most important to you.You make payments for a period of three or five years. Once you finish your payments, your qualifying debts are discharged, and you have the fresh start that you deserve.
Filing for Chapter 13 bankruptcy may be your best option if you have a steady income. You use your monthly income and your expenses to calculate a monthly payment amount. That payment gets divided among your debts.If you have secured debts, like a mortgage or a car payment, you can use these monthly payments to get current on your debts and keep these items. For non-secured debts like credit card debts, you can use the monthly payments to pay some of what you owe. Then, when your Chapter 13 payment period is complete, your non-secured debts are wiped clean.
A bankruptcy filing under Chapter 13 works to make your debt payments manageable based on your income. You start by looking at your income. Then, you determine how much you can afford to pay.You calculate your expenses based on a combination of what your actual expenses are and what typical monthly expenses are in your area for allowed categories of expenses like utilities. You factor in secured debts like your mortgage and your car payment so that you can get caught up. Then, you put your remaining disposable income towards paying some of your unsecured debts. When you pay a portion of your unsecured debts for the payment period, you can discharge the rest of your debts with a clean slate.
Our bankruptcy attorneys can help you determine if a Chapter 13 filing is right or you. If you qualify to file a Chapter 13 case, there are some advantages over a Chapter 7 proceeding that you may want to take advantage of.In a Chapter 13 proceeding, you can save your home from foreclosure. Even if you’re behind on your mortgage payments, a Chapter 13 bankruptcy filing can halt the foreclosure process and give you time to catch up. There are other benefits to filing a Chapter 13 proceeding if you qualify. The experienced bankruptcy attorneys at Half Price Lawyers can help you understand all the options.
You file for Chapter 13 bankruptcy by bringing a petition to the bankruptcy court. The petition tells the court that you’re seeking Chapter 13 bankruptcy protection. You must file paperwork that details your debts, assets, income, and expenses. The court looks at the entire financial picture from the period before you begin your case. You provide tax returns so that the court has a clear view of your financial situation. If you’re married, you may file together.A trustee oversees the case, and there will be a meeting of the creditors to verify your debts and develop a payment plan that’s both reasonable and appropriate under Nevada law. Although a bankruptcy proceeding can seem overwhelming, it doesn’t have to be. Our experienced Las Vegas bankruptcy lawyers can help you each step of the way.
When you file for bankruptcy in Las Vegas, we’re with you every step of the way. From your initial consultation to your final hearing, we want to help you succeed in restructuring your finances and moving forward.
When you work with our Las Vegas bankruptcy lawyers, you can expect a skilled, enthusiastic team that works with you to educate you in the law and help you reach your goals in the best possible way. If you want to be done drowning in debt, call us. It’s free to call and talk to our legal team. Contact us today by phone, chat, contact form, or email. You can even just stop by our offices! Let us show you what bankruptcy can do for you and how our bankruptcy attorneys get justice for our clients every day. Contact us today.
Half Price Lawyers
732 S. 6th Street Suite 100
Las Vegas, NV 89101
