Chapter 7 Bankruptcy Lawyer in Las Vegas

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Being in debt is one of the most difficult situations to live with, especially if you are starting to face creditor harassment due to the amount of money you owe. Whether you are in debt to credit card companies, hospitals, or the IRS, A Fresh Start Law can help. Our Chapter 7 lawyer can help you to determine if you are eligible for filing Chapter 7 and whether or not it is the right solution to your debt.

At A Fresh Start Law, we understand that you have many bankruptcy firms to choose from. With the right Las Vegas Chapter 7 bankruptcy attorney by your side, your case is likely to go by much faster and easier. Backed by more than 35 years of experience, we can help you with all your legal needs today.

Is Chapter 7 Bankruptcy Right for Me?

Chapter 7 is known as the liquidation chapter. While bankruptcy is a viable solution for many people, it is not for everyone. There are many factors to consider if you are considering filing for bankruptcy, as well as a means test that you will need to take. A means test helps to determine whether you are eligible based on your assets and income.

If you are more than $20,000 in debt, this may be the solution that fits your needs, while clients with less than $20,000 in debt should consider debt settlement instead.

Chapter 7 bankruptcy might be right for you if the following statements are true:

• You have significant medical bills you cannot repay
• You have credit card debt which is unmanageable
• You don't have much equity in your home
• You don't have significant valuable assets to lose
• You are unable to pay back personal loans
• You are currently unable to drive due to motor vehicle surcharges

Do I Qualify for Chapter 7?

Any person who owns property can file for Chapter 7 bankruptcy, however, in order for your debt to be discharged, you must meet several requirements:

• You must pass the “means” test.
• You have not already filed a previous bankruptcy within a certain period.
• The bankruptcy court must not believe you are cheating creditors.
• You must be a natural person.

What is the Means Test?

The means test determines whether or not you have enough disposable income to repay some of your debts over a five-year period. This means the monthly paycheck you receive should be enough to pay a portion of your debts after subtracting specific expenses.

Chapter 7 -- Who Can't File?

You cannot file for Chapter 7 bankruptcy if you already obtained a debt discharge within the last eight years or a Chapter 13 case within the last six years. You also cannot file if a previous Chapter 7 case of yours was dismissed within the last 180 days for these reasons:

• You violated a court order.
• The bankruptcy court decided that your case was filed fraudulently.
• You requested a dismissal

Choose the Right Las Vegas Lawyer for Your Chapter 7 Bankruptcy

If you want to learn more about the bankruptcy process or simply want to confirm that Chapter 7 is right for you, turn to the attorney at A Fresh Start Law. Attorney Dorothy Bunce has over three decades of experience and is ready to answer any questions you might have. Do not hesitate to reach out today!

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