Bankruptcy Filing Services
What is Chapter 13 & How Does it Work?
A Chapter 13 plan is not merely a legal formality—it’s a personalized strategy tailored to your financial situation, allowing you to manage your debts over three to five years under court supervision. This approach ensures fair repayment terms without interest, contrasting sharply with Chapter 7, which involves asset liquidation. Particularly in Las Vegas, where the economic dynamics can be volatile, this plan offers a stable path to financial recovery.
In this plan, all your payments are consolidated into one monthly sum to the Bankruptcy Trustee, simplifying your financial commitments and helping maintain a stable financial status. This method is generally more protective of your credit score than liquidation options.
Is This Path Right For You?
Filing for Chapter 13 bankruptcy offers a pathway to regain financial stability by structuring debt in a manageable way. It’s ideal if you’re facing overwhelming debts, creditor harassment, or the risk of losing essential assets.
What Chapter 13 Offers
Home and Vehicle Protection: This bankruptcy route provides a legal way to catch up on overdue payments while keeping your property in Las Vegas.
Debt Collector Challenges: It halts wage garnishments and creditor harassment, giving you peace of mind and protecting you from lawsuits.
Complex Debt Solutions: Ideal for managing secured debts like home and car loans over a manageable period and for eliminating secondary mortgages when your home’s value falls below the first mortgage.
Co-debtor Protection: Protects co-signers on personal debts from creditor actions, ensuring that creditors leave your co-debtor alone as long as you keep up with your plan payments.
Means Test Requirement: If your income is above the Nevada state median, this form of bankruptcy might be your only option. Especially, if you have certain non-dischargeable debts like unpaid income taxes, student loans, or child support, which can be paid back over time without interest.
What to Expect During the Process
The journey typically lasts between three to five years, depending on your tailored payment plan. Your main responsibilities will include making the monthly payments and attending a few simple administrative hearings. Freedom Law Firm will guide you through every step, ensuring a smooth and stress-free process. After contact us, we can get the process started and start protecting you right away regarding many of your debts, including a foreclosure of your home.
Cost of Filing in Nevada
The filing fee is $313, with attorney fees varying based on case complexity (typically, a bankruptcy attorney’s fee ends up being a very small percentage compared to the total amount of debt you are able to eliminate). These costs are integrated into your payment plan, making the process affordable without compromising on the quality of your representation. Our firm is committed to providing value far exceeding the fees we charge.
Frequently Asked Questions
When you file for Chapter 13 bankruptcy, you enter into a court-approved repayment plan that considers your unique financial situation. This plan consolidates your debts into a single monthly payment calculated based on your income and debts, allowing you to manage your finances more effectively while repaying creditors over a set period.
A Chapter 13 bankruptcy filing in Las Vegas typically spans three to five years. The exact duration depends on your income level compared to the Nevada state median—those earning less may complete their plan in three years, while those earning more might need five years to fulfill their repayment obligations.
Initial impact on your credit is inevitable, but this option can ultimately lead to improved financial health.
Chapter 13 bankruptcy often allows you to keep significant assets, such as your home and car. The plan is designed to prevent the liquidation of these assets, enabling you to continue living in your home and using your vehicle as you make payments under the terms of the bankruptcy plan.
This approach could be a suitable choice if you’re facing significant debt but wish to avoid liquidating your assets. This plan is particularly beneficial for individuals with a steady income who can afford to repay a portion of their debts over time, allowing for financial recovery while retaining essential assets.
If your income is too high to qualify for Chapter 7 bankruptcy and you’re facing serious threats such as foreclosure or vehicle repossession, you may qualify for this filing. This plan is intended to provide relief by restructuring your debt into manageable payments.
Yes, Freedom Law Firm offers free initial consultations to discuss your financial situation and explore your options. These consultations can be conducted over the phone or via Zoom, providing you with convenient access to legal advice.
Purchasing a car with cash during the plan is possible. However, if your repayment plan requires that all disposable income be paid to the trustee, funds like bonus checks or tax refunds should not be used without the trustee’s approval. Always consult with your bankruptcy attorney before making significant financial decisions during this period.
Yes, filing for Chapter 13 bankruptcy can stop foreclosure proceedings. By law, once you file, all collection activities, including foreclosure, must cease. This provides you the opportunity to catch up on missed mortgage payments through your repayment plan.
Ready to start your journey to financial freedom? Contact Freedom Law Firm today at or fill out our online form to schedule your free virtual consultation. Let us help you regain control and move forward with confidence.
Las Vegas Chapter 13 Bankruptcy Lawyers
Free Consultations | Affordable Legal Help to Restructure Your Debt
Struggling with mortgage payments, creditor calls, or unpaid taxes in Las Vegas? A Chapter 13 bankruptcy plan may be your best option to stop collections, protect your property, and eliminate financial stress. At Freedom Law Firm, our experienced attorneys have helped thousands of Nevada residents restructure debt and keep what matters most.
Whether you’re facing foreclosure, garnishment, or overwhelming medical debt, we bring decades of experience navigating Chapter 13 cases in Clark County. We know how to protect your assets, manage co-debtor risks, and create affordable repayment plans tailored to your needs.
Call us at (702) 352-9390 today for a free consultation.
Why Hire a Chapter 13 Bankruptcy Lawyer in Las Vegas?
Chapter 13 isn’t just paperwork—it’s a court-supervised legal strategy. Here’s why Freedom Law Firm is trusted by so many in the Vegas Valley:
We have decades of experience guiding clients through Chapter 13 filings.
We create affordable, court-approved repayment plans tailored to your income and debt.
We can stop foreclosure and help you keep your home or car.
Our firm is known for responsive communication and personalized legal support.
With Freedom Law Firm, you’re not just getting a lawyer—you’re getting a trusted partner to guide you through the entire process. Freedom Law Firm is a top-rated award-winning local bankruptcy law firm, recognized for its excellence in helping clients navigate financial challenges.
Las Vegas Chapter 13 Bankruptcy Services We Offer
Our Chapter 13 bankruptcy attorneys in Las Vegas handle every part of the process from start to finish, as filing Chapter 13 can be complex and typically requires legal assistance. The attorneys at Freedom Law Firm prepare all required documents and represent clients at any hearings that take place, ensuring a smooth and professional experience.
Chapter 13 Plan Design & Filing – We create a structured repayment plan that consolidates debts over 3 to 5 years based on your income and living expenses.
Stop Foreclosure or Repossession – Filing Chapter 13 immediately activates an Automatic Stay that halts collection efforts, foreclosures, repossessions, and wage garnishments. Chapter 13 bankruptcy can help catch up on missed payments for secured debts like mortgages and car loans.
Protect Co-Signers & Co-Debtors – Your plan may prevent creditors from going after co-debtors while you make your payments.
Repay Non-Dischargeable Debt Without Interest – Use your plan to pay back taxes, student loans, or child support without the penalties or interest.
Strip Second Mortgages – If your home value has fallen, we may be able to eliminate junior liens that exceed the value of your first mortgage.
Not sure if Chapter 13 is right for you? Our free consultation will explain your best options.
Who Qualifies for Chapter 13 Bankruptcy in Nevada?
You may qualify for Chapter 13 bankruptcy if:
- You have regular income, which is necessary to fund the repayment plan. This ensures that you can consistently meet the obligations of the court-approved repayment schedule. To qualify for Chapter 13 bankruptcy, having a steady source of income is a fundamental requirement.
Chapter 13 is ideal if you’re trying to save your home, reorganize debt, or repay court-ordered obligations like taxes or domestic support.
Unlike Chapter 7, Chapter 13 does not require that you sell any of your assets. In a Chapter 7 bankruptcy, the debtor’s non-exempt assets are liquidated to pay creditors, resulting in the discharge of the remaining debts. Almost all consumer bankruptcies, including Chapter 13, are voluntary and initiated by the debtor.
What to Expect During the Chapter 13 Process
The process typically spans 3 to 5 years. Here’s how it works:
Consultation & Financial Review – We analyze your income, debts, and goals.
Petition & Plan Filing – We draft and file your Chapter 13 plan with the court.
Meeting of Creditors (341 Hearing) – You attend a brief administrative hearing.
Confirmation Hearing – The court approves your repayment plan.
Monthly Payments Begin – You begin making a single consolidated payment to the trustee.
Completion & Discharge – After successfully completing your plan, the court discharges your eligible debts. A means test determines eligibility for Chapter 7 based on household income, which is a separate process from Chapter 13.
Our attorneys will guide you through every step of the process, ensuring you feel informed and confident throughout..
The Cost of Filing Chapter 13 in Las Vegas, NV
The court filing fee for Chapter 13 is $313, and attorney fees vary depending on case complexity. Filing for bankruptcy is a legal proceeding provided under federal law. Hiring a lawyer for bankruptcy ensures accurate filing of documents and helps prevent costly mistakes. At Freedom Law Firm:
Most attorney fees are built into your payment plan
We offer flexible plans and no-interest installments
There’s no up-front fee required to start your case in many situations
We believe quality legal help should be accessible when you’re facing financial stress.
Local Chapter 13 Bankruptcy Resources in Las Vegas
- Lloyd D. George U.S. Courthouse (Bankruptcy Court)
333 Las Vegas Blvd. S., Las Vegas, NV 89101
(702) 527-7000
nvb.uscourts.gov
- Clark County Clerk’s Office
200 Lewis Ave, Las Vegas, NV 89101
(702) 671-0500
clarkcountynv.gov
- U.S. Trustee Program – District of Nevada
300 Las Vegas Blvd. South, Suite 4300, Las Vegas, NV 89101
(702) 388-6600
justice.gov/ust/ust-regions-r17
What Our Clients Say About Our Chapter 13 Legal Services
Clients appreciate our transparency, professionalism, and results. We’ve helped thousands of Nevadans eliminate debt and rebuild with dignity.
Areas We Serve for Chapter 13 Bankruptcy Cases
We proudly assist clients in:
Las Vegas | Henderson | North Las Vegas | Summerlin | Paradise | Spring Valley | Enterprise | Sunrise Manor | Winchester | Whitney | Boulder City | Mesquite | Laughlin | Pahrump | Blue Diamond | Moapa Valley | Searchlight | Jean | Goodsprings | Overton | Logandale | and surrounding areas of Las Vegas.
FAQs About Filing Bankruptcy in Las Vegas, Nevada
It consolidates your debts into a 3- to 5-year court-approved repayment plan. You make one monthly payment and stop interest, garnishments, and lawsuits.
Yes. Chapter 13 is designed to help you catch up on missed mortgage or auto loan payments while keeping the property.
Sometimes. If your home value is less than what you owe on the first mortgage, a second mortgage may be stripped.
A Chapter 13 stays on your credit report for 7 years. Many people rebuild credit during or shortly after the plan ends.
Yes. The moment you file, the court issues an Automatic Stay that halts all collection activity.