You Deserve a Fresh Start! We have helped hundreds of people just like you eliminate or greatly reduce their debt.

Frequently Asked Questions

Answered By Our Las Vegas Bankruptcy Lawyer

Q. What types of debts can be eliminated through bankruptcy?

A. Almost all types of debt bankruptcy can be eliminated in bankruptcy. The typical bankruptcy case has a mixture of debts: Credit cards, car repo charges, court judgments, medical bills, and loans, including “payday loans,” and from a failed business.

Q. What types of debts cannot be eliminated through bankruptcy?

A. You cannot eliminate debt for alimony, child support, student loans (except in exceptional circumstances), debt related to crimes, debt recently made, and debt obtained by making false statements. Tax debt can be eliminated depending on the several factors. Most creditors must take legal action in bankruptcy court within a short time to prevent the elimination of debt in bankruptcy. Realistically, creditors seldom have any reason to object to a debt being eliminated in bankruptcy.

Q. How can tax debts be eliminated in bankruptcy?

A. Precise and complex rules determine if tax debt can be wiped out in bankruptcy. These rules consider factors such as the type of tax debt, whether the returns were filed on time or not, what the government has done to collect on the tax, and the age of the tax.

Q. What about leaving out debts I want to keep, such as my car loan, home mortgage, or other bills tied to the purchase of property?

A. If you have debts because you purchased a vehicle, financed real estate with a mortgage or deed of trust, or financed furniture or appliances and want to keep the property, you still must list these debts in your bankruptcy. But, including debts in a bankruptcy does not mean you have to surrender the property. There are procedures in place to let you keep the important things you own and are continuing to pay on the original, or perhaps better, terms.

Q. What is the difference between the services that A Fresh Start Law provides from other bankruptcy attorneys in Las Vegas?

A. Attorney Dorothy Bunce explains all the paths that are available to solve your debt problem. You only work with Dorothy Bunce, an attorney with over 35 years of bankruptcy experience. When the case is over, your relationship does not end. You will receive the information and forms you will need to help you rebuild your credit. The future can be brighter than the past.

Q. What property will I lose if I file for bankruptcy?

A, Unless you have something exotic or very valuable, you are typically only at risk of losing real estate that is not your primary home. So if your name is on someone else’s home, if you own real estate overseas or outside of Nevada, or if you moved to Nevada within the last two years, you may lose property. It is crucial to disclose the information about ALL property you own during the initial consultation with the attorney so if necessary, we can advise you of other choices besides bankruptcy to solve your debt problems.

Q. What other property can I keep if I file for bankruptcy?

A. Whether you can keep property depends on two things. 1) Where you have lived during the past two years, which establishes what laws are available to protect your property. 2) What type of property you have and its value.

Q. How long does bankruptcy take?

A. There are two types of bankruptcy programs and each takes a different amount of time to complete.

1) A Chapter 7, or regular bankruptcy, once it is filed, without any complications, usually takes less than four months to complete.

2) A Chapter 13 Bankruptcy, also called a “wage earner’s plan,” can take between 3 to 5 years to complete. During the 3 to 5 years of Chapter 13, you are required to make monthly payments on all your debts.

Q. Do I make too much money to file for bankruptcy?

A. Even more affluent or upper-middle-income people live above their means. In many instances, people with a large income are spending more than they make and have debt problems or have had a business fail. They can obtain help in bankruptcy court but may have fewer choices than someone earning much less. For specific answers, just ask Attorney Dorothy Bunce.

Q. Besides bankruptcy, what other ways can I eliminate my debts?

A. If a creditor is unable to easily collect the money you owe, they may be willing to settle for less than the full amount owed. Creditors will not make “deals” on easy payment terms. They will not settle an account that is in good standing or where they are receiving regular payments. However, a creditor will settle for a lump sum of cash, if the time is right. This is where representation by an attorney could get you a better offer then you can do on your own. This is the perfect situation to use the experience of Dorothy Bunce to settle your debts.

Or, you may just need to be pointed in the right direction to be declared as “judgment-proof” meaning that even a creditor with a court judgment is unable to collect from you.

Q. If I filed bankruptcy with another lawyer, can you help rebuild my credit?

A. We thank our firm’s clients by providing them with all the information they need to help rebuild their credit after bankruptcy or debt settlement. We cannot provide non-clients with advice that has been exclusively provided to our clients.

Reviews & Endorsements

Learn why we are the right choice from past clients and fellow attorneys.
  • “I couldn't be more pleased or satisfied with Dorothy's work, her attitude and her willingness to go the extra mile for us.”

    John

  • “I would refer any prospective clients in the Las Vegas area to Dorothy without hesitation.”

    Robert G.

  • “I have worked with many lawyers in my profession, by far Dorothy was the best.”

    HVU

  • “She was present for the entire process and provided the support that was needed.”

    Charles

  • “She is a great person and very knowledgeable lawyer.”

    Anonymous

  • “She is great! Always on time with all the paperwork.”

    Anonymous

  • “I highly endorse this lawyer. Dorothy is a highly skilled and well-known attorney in the legal community for her outstanding professionalism and work ethic.”

    Channika D.

  • “I would not hesitate to refer someone to her in need of bankruptcy assistance.”

    Ryan M.

  • “After our initial consultation, I new Dorothy was the right person to help me navigate through chapter 7 bankruptcy.”

    Jim

  • “Thank you again for your work with us and now we can truly have a fresh start.”

    Michael

  • “Ms. Bunce is an excellent legal champion for her clients. I endorse this lawyer.”

    Anne-Marie B.

  • “Dorothy made this process for us so much easier and gave us a peace of mind to get through it.”

    Jared

  • “We can't wait to work with you, Dorothy.”

    Rebecca

  • “I am very pleased with her and her staff and I would highly recommend her.”

    Richard

  • “No wonder this office is called "a fresh start" because Attorney Bunce shows you the way to get a second chance from the mistakes you made.”

    Antoinette

Why Choose A Fresh Start Law?

  1. Over 35 years of experience.
  2. We provide free consultations!
  3. We cater a plan to your unique financial situation.
  4. We are here to help - we walk you through the process and ensure you leave feeling set up for success!
Need financial help? If you have more than $20,000 of debt, you may be eligible for bankruptcy. Learn how we can help!
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