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| What
does it cost? |
Legal fees
are based the amount of work to be done. A Chapter 7 case that requires
one Court appearance costs less than a Chapter 13, which requires several
Court appearances. If your income is higher than the "median amount,
more legal work is required because the "long form" Means
Test must be completed. The fee is also higher when a Husband and Wife
file together than for a single person.
The Bankruptcy Court requires payment of a
filing fee. The filing fee is in addition to the legal fee. The attorney
collects this fee from you and pays the Bankruptcy Court when your
case is filed. |
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| Do
you want a free review of your financial situation? |
Go to our
preferred online agency for pre-bankruptcy counseling at www.cricketdebt.com.
If you use our access code when you register, the credit counseling
is free. |
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| Do
I Qualify for Chapter 7? |
You
can qualify if: |
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You
haven't completed a bankruptcy in the past 8 years, AND |
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Most
of your debt is for credit cards, medical bills, repossessions, court
judgments, collection agencies, broken leases, old payday loans, and
bank service charges that you cannot pay, AND |
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After
taking allowed deductions, such as your home mortgage, your car payment,
taxes, medical expenses, and various other allowed items, your family
income is lower than the median or middle amount. What is that middle
amount? I wish I could publish this figure on the internet, but the
amount is based on statistics from the Census
Bureau and changes too frequently to post. Feel free to email or
call us at (702) 456-1920 and we will be happy to tell you.
AND FINALLY |
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After
paying all your reasonable and usual living expenses, you don't have
enough money to pay debts. How much is not enough? Probably less than
$100.00 each month. You cannot throw away money that you could use
to pay debts by gambling or "living it up." You must show
the Court you really can't pay your debts, no matter how much you want
to! |
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| Should
you consider a Chapter 13 instead? Consider it if: |
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You
are behind on your mortgage payments or in foreclosure and could catch
up and to save your home, if given enough time, OR |
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Your
house is worth less than the amount you owe and you don't want to keep
it, but a foreclosure will give you a large tax liability, OR |
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You
owe your Uncle Sam a lot of money in back taxes. How much is a lot?
It would depend on your income, but if you can't afford to pay it off
in two years, it probably is a lot of money, OR |
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You
have other debts that cannot be wiped out through a Chapter 7, such
as Court fines, child support, or debts relating to recent use of credit
and you need time to pay these off, OR |
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You
have completed a Bankruptcy in the past 8 years and do not qualify
for a Chapter 7, OR |
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After
paying your basic living expenses, you have at least $100.00 left over
each month, so you don't qualify for Chapter 7. By paying just what
you can afford, you will be able to wipe out all of your debts in three
to five years, even if that means you pay less that 100% of your debt. |
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| What's
the difference between Chapter 7 and Chapter 13? |
The big difference
between Chapter 7 and Chapter 13 is the kind of help you need and what
you can afford. |
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Chapter
7 - this choice is best if during the past six months, your
income has been average or below, and your debts are not financing
the purchase of property. |
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Chapter
13 - this choice is best if your income is higher than average
and you can afford to pay something on their debts, even if it isn’t
100%, or if you want to SAVE something (a home, a car, or other item).
If your house is in foreclosure, OR you are behind on car payments,
OR you owe the IRS a lot of money, OR you have a special kind of
problem that you cannot solve with a Chapter 7, you may be able to
solve these kinds of problems in a Chapter 13. Even though you have
to make payments for at least 36 months, a Chapter 13 can save you
a huge amount of money. |
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| If
I have filed Bankruptcy in the past, can I file again? |
You must wait
8 years after filing any completed Bankruptcy to file a Chapter 7 Bankruptcy.
However, you may file a Chapter 13 case at anytime and you still may
be able to pay less than 100% of your debt. |
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| Why
might I want to file Chapter 13? |
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Your House is in
foreclosure - You could catch up on payment if given enough time. |
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Your
Car or Truck payments are delinquent - You need a vehicle, but can't
make up the back payments right now. |
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Uncle
Sam - You owe the IRS a lot of money and need time to take care of
it to stop bad things from happening. |
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Too much Income
or Property - You have more income than expenses, and can afford to
pay something on your bills, even if it is not 100%. Or your have property
that you would have to forfeit if you filed a Chapter 7 case. |
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Previous Bankruptcy
- You filed bankruptcy less than 8 years ago but money troubles found
you right now. Maybe your wages are being garnished and it doesn't
leave you with enough money to live on. |
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You have had a
bad break - You have debts that cannot be wiped out in a Chapter 7
Bankruptcy, and would never be able to pay them off any other way. |
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| In
an emergency situation, how soon can I file? |
This office
is available to prepare an emergency Bankruptcy case in 48 hours or
less, sometimes much less if there is a true emergency. But in order
to prepare your Bankruptcy, you must provide all the documents we need,
complete our 4 page questionnaire and verify that we have a complete
list of all your creditors. |
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| How
long does the Bankruptcy process take? |
It depends.
While there is no hard and fast rule as to how long any Chapter 7 Bankruptcy
case can stay open, your case could be completed as soon as 90 days
after your Trustee Meeting. Since the Trustee Meeting is held about
one month after your case is filed, it could be over in less than four
months. But if you fail to cooperate with Trustee or ignore your attorney's
instructions, your case could remain open indefinitely. Other issues
may occur to delay the completion of your case, but this is unusual. |
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| Is "A
Fresh Start" the right law firm for my Bankruptcy? |
Our motto is “courteous
and completely confidential.” Everyone on our staff will treat
you with compassion and respect your privacy.
At "A Fresh Start," we provide a Bankruptcy package that includes
personal service and extra benefits you won't find elsewhere. We represent
real people who are ready to take their financial problems seriously and
do something to change their life. We do not advertise on TV or have expensive
advertising in the Yellow Pages. We do not waste your time with gimmicks
such as “a free consultation." When you come into our office,
you will be in a calm, quiet place where you will meet your attorney privately.
Dorothy, our attorney, is a calm and competent Bankruptcy attorney, having
handled her first Bankruptcy case in 1979. Unlike many other lawyers, Dorothy
truly understands how you feel at this difficult time.
Once your Bankruptcy is over, we will show you how to rebuild your credit.
In this way, you can truly get a fresh start and can, with time, qualify
to purchase or refinance a home or buy a car from a dealer, instead of
at the "second chance" lot. |
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| What
does the Attorney do for me? |
We believe
your case deserves personal attention from everyone working on your
case. When you retain A Fresh Start, you will meet with Dorothy, your
attorney, personally and spend at least one hour going over your case.
During that time, you can ask all questions pertaining to your Bankruptcy
case. You may be surprised to find that Dorothy may anticipate your
questions before you ask them and will raise issues that you have not
considered. Before we send you your Official Bankruptcy paperwork,
Dorothy has reviewed it and will advise you on any possible problems.
If you have a garnishment or lawsuit pending, we immediately contact all
appropriate parties to stop the garnishment and prevent any future garnishments
once your case is filed.
If you have a foreclosure pending, we immediately contact all appropriate
parties to stop the foreclosure once your case is filed. If you intend
to keep your home, the attorney will work with you to formulate a Plan
to allow you to catch up on your back payments. |
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| Can
I file for Bankruptcy by myself? |
I understand
you can just fill out pre-printed forms and save lots of money.
You can certainly file your own Bankruptcy petition, but the new laws make
the bankruptcy process far more complicated than simply filling in the
blanks on pre-printed forms.
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 changed
Bankruptcy, making it far more complicated. These changes include:
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A means test to
determine the type of Bankruptcy you are allowed to file |
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A
requirement of credit counseling and debtor education |
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And
many, many additional details |
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Do you understand
the legal ins and outs to protect yourself within the bankruptcy process?
Aren't you already stressed by your current financial situation? Do you
understand how to take advantage of the many loopholes provided by Bankruptcy,
[but not cross the line and be charged
with fraud?
If you make mistakes in your filing, your case could be thrown out and
you risk having no protection. Or you could forfeit the property you thought
you could keep.
If you file Bankruptcy without an attorney and contact me for help later,
I WON’T BE ABLE TO HELP YOU!!! Once your case is filed, you cannot
just change your mind and back out. It can be very difficult to change
a case after it is filed because you submitted your Bankruptcy subject
to the penalty of perjury. The most important Bankruptcy work I do takes
place before the Bankruptcy paperwork is ever prepared.
Hire a qualified attorney to handle your bankruptcy filing. That attorney
may be me, or it may be someone else, but I highly recommend hiring an
attorney with lots of experience who actively participates in continuing
education programs to keep up with all the changes to the law. I also urge
you to hire an attorney who maintains a good working relationship with
the Trustees and the Judges. Bankruptcy is a small field of law and everyone
knows each other. You will find your experience in Bankruptcy much more
pleasant if you are represented by a qualified attorney who is respected
by the Court staff.
I urge you to review all the information on this site before making a decision
and I look forward to your call! |
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Sometimes
filing bankruptcy can be the answer on how to stop foreclosure,
stop garnishment of wages and stop collection agency calls. Call
for a consultation with our experienced attorney to find out how
to stop wage garnishment, a foreclosure or annoying collection
agency calls. Bankruptcy is our specialty and we want to help you
implement a financial plan to get you back on your feet again. |
Call
our bankruptcy attorney for help filing bankruptcy. We can answer
your questions about how to stop foreclosure, stop garnishment of
wages and stop collection agency calls. Let us help you stop wage
garnishment and get back on your feet again.
|
Click
here or Call 702-456-1920 to
contact Dorothy today for a confidential no obligation assessment.
Boulder
City, NV
Boulder City
Clark County, NV
Clark County
Henderson, NV
Henderson
Indian Springs, NV
Indian Springs
Las Vegas, NV |
Las
Vegas
Mesquite, NV
Mesquite
Nellis Air Force Base, NV
Nellis Air Force Base
North Las Vegas, NV
North Las Vegas
Nye County, NV
Nye County |
Pahrump,
NV
Pahrump
Searchlight, NV
Searchlight
Summerlin, NV
Summerlin
Tonapah, NV
Tonapah
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89030
89031
89102
89104
89109
89110
89115
89119
89121
89142 |
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