Nevada Bankruptcy
If you are experiencing financial difficulties, Chapter 7 or Chapter 13 Bankruptcy may be right for you.
Naimi and Dilbeck is a strong leader in Las Vegas and throughtout Nevada assisting businesses and individuals under financial pressures to explore solutions for financial crisis. We work with our clients to identify alternative strategies to achieve a client's particular goals. We strive to simplify the process and restore calm and order in an otherwise difficult time.
Filing for bankruptcy is more than simply filling out paper work or pulling your credit report. Without a deep understanding of the applicable state and federal laws, you may lose valuable rights, and, more importantly, personal property. You need an experienced bankruptcy attorney like those of Naimi and Dilbeck to make sure you and your family are protected.
Through bankruptcy, you can:
- Stop harassing creditors
- Stop foreclosures
- Stop lawsuits
- Stop repossessions
- Lower interest rates
- Lower payments
- Stop IRS levies
- Stop wage garnishments
- Strip second mortgages
We specialize in filing personal bankruptcy claims. Under Chapter 7 bankruptcy, you will receive a complete discharge about four months after filing. At the time you receive your bankruptcy discharge, most or all or your debt is erased, and you will have the fresh financial start you deserve. Under Chapter 13 bankruptcy, the intention is to pay off a portion of your debt, often pennies on the dollar, receive a discharge in 3-5 years after making all of your planned payments.
Before one can file for bankruptcy in Nevada, provisions in the new bankruptcy laws mandate that one must complete a credit counseling course. A personal financial management seminar must be completed later. Our office has arranged for these courses to be conveniently completed online at your home. We then begin compiling the information needed to complete your bankruptcy petition and schedules, including a list of your creditors, a compilation of your property and other assets, and documentation of your income.
Don't feel guilty! At some point in almost every person's life they will face some degree of financial difficulty. People in Nevada are no different. Debt can be overwhelming, and there is no reason to continue suffering. For more information on filing bankruptcy in Nevada, and to discuss which legal options are best for your financial circumstances, please contact us online or at 866-656-4758 to set up FREE CONSULTATION.
Below you will find a brief overview of bankruptcy law, procedures, and some frequently asked questions:
Should I File for Bankruptcy Protection?
If you are afraid to answer the phone or open the mail because you are afraid of creditors, have lost your job, are suffering reduced salary, are facing foreclosure or repossession, or are experiencing high medical or credit card bills, then personal bankruptcy may be an option for you. Only after our FREE consultation can we advise you with certainty if bankruptcy is for you.
You deserve a guilt-free fresh start!
Bankruptcy is about starting over fresh. It is about getting back in control of your financial future. Do not feel any shame for considering bankruptcy. In today's economy, many people, from all walks of life, are in your situation. High income people with $1,000,000 homes file bankruptcy every day! Then again, so do 18 year olds who started out in life with $35,000.00 in debt due to "free" credit cards. And who gives an 18 year old a $5,000.00 credit line anyway? Credit card companies! Creditors will try to make you feel guilt, and may even threaten you with jail. Remember, being bankrupt is not a crime. Ignore their threats and get some help.
Bankruptcy Is Not All Your Fault!
Take control. Do not feel humiliated or ashamed. K-Mart and WorldCom went bust. The telecommunications and auto industries have gone south. The housing bubble has burst. Manufacturing has moved overseas. The dollar is taking a beating. Thousands have been laid off. You have no control of this - it is not your fault. You cannot control the economy, you cannot control pie in the sky investors, you cannot control politicians, and you cannot control unethical accountants at multinational corporations (Enron), but you can take control back by contacting a bankruptcy lawyer. Probably since you can remember, marketing companies have been trying to get you to buy into the belief that if you didn't have the cash, just "charge it."
The Credit Card / Debt Trap
Credit card companies have been encouraging you to "charge it" at over 20% interest for years. How many "account balance" transfer offers have your received? How many new extensions of credit? Here's the trap! After you have established a decent payment history with a credit card company, they up the credit limit. "Congratulations," they say. Now that you have more credit, you spend it. They will keep increasing that credit limit until you can barely make the minimum payment. Now they own you. Make the minimum payment on your MasterCard or Visa and you will be paying that debt for 35 years or more. Don't feel any shame about taking back control.
What credit card companies have to fear is the United States Bankruptcy Code and a bankruptcy lawyer. That is why credit card companies spent $25,000,000 lobbying Congress to get the bankruptcy laws changed to PROTECT THEM from you. Fortunately, we can still protect you. If you are considering bankruptcy, we offer a free consultation to help you come to terms with your financial future. We understand.
Don’t be afraid! The law in its current state allows you to keep most or all of your personal property, your car, your home, and pretty much anything else within reason. There is no reason not to take back control right now!
The first step is to determine which bankruptcy is right for you. Click for more information on Chapter 7 and more information on Chapter 13. Or, call us right now at 866-656-4758 to set up a FREE CONSULTATION immediately.
