Take Control of Your Finances with Filing
At Freedom Law Firm, we specialize in helping individuals in Las Vegas overwhelmed by debt to regain control of their finances through Chapter 7 bankruptcy. If constant calls from debt collectors have become your daily reality, it’s time to consider a fresh start. Our experienced bankruptcy attorneys are here to guide you through every step, ensuring you understand your options and the relief that Chapter 7 can bring.
What is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy, also known as “liquidation bankruptcy,” eliminates most unsecured debts—such as credit card bills, medical expenses, and personal loans—without the obligation of a repayment plan. This form of bankruptcy offers individuals an opportunity to start fresh while often keeping essential assets, like your home and car, under Nevada’s exemption laws.
When is Filing Right For Me?
Chapter 7 is typically a strong option for those with overwhelming unsecured debts and who meet Nevada’s means test requirements. You might benefit from Chapter 7 if you’re facing:
- Persistent calls from creditors
- High medical or credit card debt
- Personal loans that feel impossible to repay
If this sounds like your situation, Chapter 7 bankruptcy could provide relief and give you a financial reset.
Benefits of Filing Chapter 7 in Las Vegas
The financial aspect of filing for bankruptcy is a crucial factor to consider. We are committed to providing affordable legal services at Freedom Law Firm and will tailor our fees to accommodate any budget.
Upon filing, an automatic stay halts all collection efforts from creditors. This legal provision stops wage garnishments, foreclosure proceedings, and creditor harassment, allowing you to focus on your recovery without external pressure.
Chapter 7 bankruptcy enables you to discharge most unsecured debts, freeing you from burdensome obligations like credit card balances and medical bills. This discharge is typically completed within a few months, giving you a clean slate.
Nevada’s exemption laws allow you to retain essential assets, including your primary residence and vehicle, as long as you’re current on payments. This protection ensures you won’t have to start entirely from scratch while relieving debt.
Compared to other forms of bankruptcy, Chapter 7 is efficient, often completing within 3-6 months. This quick turnaround lets you rebuild your financial life sooner, helping you recover your footing and plan for the future.
The Bankruptcy Process
Discuss your financial situation with our attorneys to see if Chapter 7 is right for you.
If you decide to proceed, our team will file the necessary documents on your behalf, initiating immediate protection from creditors.
You’ll attend a meeting with your creditors, where they can ask questions about your financial status and the bankruptcy forms filed.
Once approved, most unsecured debts are discharged within a few months, freeing you from these obligations.
Cost of Chapter 7 Filing in Nevada
Typically, the legal fees for a bankruptcy attorney represent only a fraction of the total debt that you may be able to discharge.
Beyond our attorney fees, there are standard costs associated with any bankruptcy filing:
- A filing fee is required by the Bankruptcy Court for Chapter 7 cases.
- Mandatory educational courses, which include a Credit Counseling Course before filing and a Financial Management Course after your case concludes, are stipulated by the 2005 bankruptcy reform laws.
These courses are essential for completing the bankruptcy process and are designed to help you manage your finances more effectively in the future.
Chapter 7 FAQ
To qualify, you must pass Nevada’s means test, which assesses your income relative to the state’s median. Our attorneys can help determine your eligibility during a free consultation.
Chapter 7 discharges most unsecured debts, but some debts, like student loans and recent tax obligations, are typically non-dischargeable.
Bankruptcy costs include court and attorney fees. At Freedom Law Firm, we provide transparent pricing to help you make an informed decision.
Nevada exemptions often allow you to keep essential assets like your home and vehicle, depending on your payment status and equity.
Why Choose Freedom Law Firm?
Selecting the right bankruptcy attorney is crucial. At Freedom Law Firm, we bring extensive experience in Las Vegas bankruptcy law to ensure you receive sound guidance and a strategy tailored to your unique situation. We aim to alleviate your financial stress with compassion and professionalism, helping you reset your life and finances.
Ready for a Fresh Start?
If debt has overwhelmed you, don’t wait to seek help. Contact Freedom Law Firm in Las Vegas for a free consultation. Our dedicated Chapter 7 attorneys are ready to discuss your options, provide the guidance you need, and help you reclaim control of your finances. Call today or visit our Las Vegas office to get started.
Las Vegas Chapter 7 Bankruptcy Lawyers
Free Consultation | Wipe Out Debt with a Trusted Chapter 7 Attorney in Nevada
Are you overwhelmed by credit card debt, medical bills, or wage garnishment in Las Vegas? Filing for Chapter 7 bankruptcy, also known as liquidation bankruptcy, may be your best option to break free from financial pressure.
Chapter 7 stops creditors and debt collectors from contacting you and discharges most unsecured debts. The experienced attorneys at Freedom Law Firm help Nevada residents get a fresh start by eliminating debt while protecting exempt assets.
Whether facing creditor calls or wage garnishment, we guide you through the means test, exemptions, and discharge process to help you keep most personal property and regain financial freedom.
Call (702) 352-9390 today for a free consultation.
Why Hire a Chapter 7 Bankruptcy Lawyer in Las Vegas?
Bankruptcy laws are complex. Mistakes can cost you time, money, or even your chance to discharge debt. Here’s why hiring Freedom Law Firm makes all the difference:
We’ve helped thousands of Nevada residents file for Chapter 7 and rebuild their lives.
Our team includes attorneys who know how Nevada trustees operate.
We help you protect essential assets like your home, car, and wages.
We offer no-obligation consultations and affordable payment plans.
Chapter 7 bankruptcy isn’t a last resort. It’s a legal tool for financial freedom, and we’re here to help you use it strategically.
Comprehensive Chapter 7 Bankruptcy Services in Las Vegas
At Freedom Law Firm, our Chapter 7 lawyers in Las Vegas handle every aspect of your case from start to finish:
Chapter 7 Eligibility & Means Test Evaluation – We analyze your financials to determine if you qualify under Nevada’s median income standards.
Complete Chapter 7 Petition Preparation – We ensure every document is accurate, complete, and timely filed, including a schedule of assets and liabilities.
Asset Protection Using Chapter 7 Nevada Exemptions – We use Nevada exemption laws to help you keep your home, car, tools, and retirement funds.
Stop Garnishment and Creditor Harassment with Chapter 7 – Filing triggers an automatic stay that immediately stops collections, lawsuits, and wage garnishment.
Debt Discharge from a Bankruptcy Chapter 7 Attorney – We guide you through discharge and support your efforts to rebuild credit post-bankruptcy.
We know how stressful this time can be. Let our legal team handle the hard part so you can focus on rebuilding your life.
When Should You Contact a Chapter 7 Attorney in Las Vegas?
Chapter 7 may be right for you if you have mostly unsecured debt and limited disposable income. Las Vegas debt relief options also include loan modifications, which adjust loan terms for easier payments. Many residents choose Chapter 13 to protect assets from foreclosure or repossession, with repayment plans tailored to individual income and expenses.
You have mostly unsecured debt like credit cards, payday loans, or medical bills
You earn less than Nevada’s median income or pass the means test
You’re facing lawsuits, collection actions, or garnishments
You have little or no disposable income after basic living expenses
If you have too much disposable income, you may be advised to file Chapter 13 instead of Chapter 7. Chapter 13 suits those with regular income who can make monthly payments, helping you keep your assets while repaying debts. It also assists those behind on taxes or facing wage garnishment. If you don’t qualify for Chapter 7, Chapter 13 remains a viable debt relief option.
It’s especially effective if you don’t have high-value non-exempt assets and need quick relief without a 3-5 year payment plan. In Chapter 7, non-exempt assets may be sold to pay creditors, but most debts are discharged. Nearly all consumer bankruptcies are voluntary and filed by the debtor with the Bankruptcy Court.
For those behind on mortgage or car payments, Chapter 13 offers a repayment plan over three to five years to protect assets and regain financial stability.
What to Expect from a Bankruptcy Chapter 7 Filing in Las Vegas
Here’s what you can expect from the process:
Free Consultation – We evaluate your financials and answer all questions.
Petition Filing – We prepare and submit your Chapter 7 case to the U.S. Bankruptcy Court.
Automatic Stay Protection – Creditor contact, garnishments, and lawsuits stop immediately. Filing Chapter 13 bankruptcy in Las Vegas also immediately stops any creditor action due to the Automatic Stay.
341 Meeting of Creditors – A brief, non-adversarial hearing takes place with the trustee.
Discharge of Eligible Debts – Typically within 3-4 months, unsecured debts are erased.
Post-Bankruptcy Recovery – You rebuild credit and financial stability with our support. You can file Chapter 7 bankruptcy once every eight years. For those filing Chapter 13, the process also prevents foreclosure on a home if the debtor adheres to payment plans.
Most Chapter 7 cases resolve within a few months, giving you fast and permanent relief from debt.
Cost of Hiring a Chapter 7 Bankruptcy Lawyer in Las Vegas
The court filing fee for Chapter 7 bankruptcy is $338. Attorney fees vary depending on case complexity, but at Freedom Law Firm:
We offer free consultations and transparent pricing
Payment plans are available in most cases
No hidden fees or surprises. Las Vegas bankruptcy attorneys provide free consultations for clients, ensuring they understand their options before proceeding. Payments in a Chapter 13 bankruptcy can be as low as $100 a month depending on one’s financial situation.
Our goal is to make debt relief affordable when you need it most.
Local Chapter 7 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
Chapter 7 Lawyers You Can Trust
Areas We Serve for Chapter 7 Bankruptcy Relief
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 Chapter 7 Bankruptcy in Las Vegas
Most unsecured debts such as credit cards, medical bills, utility balances, and personal loans. Medical debt, a significant contributor to bankruptcy filings in Clark County, can also be discharged. Certain debts, such as student loans and child support, cannot be discharged in bankruptcy.
Not necessarily. Nevada has generous exemptions that may allow you to keep both.
Up to 10 years, but most people rebuild credit within 12–18 months. Clients can obtain a new home loan within 1-5 years after a bankruptcy discharge.
You may still qualify. We’ll apply the means test to determine your eligibility.
Yes. The automatic stay goes into effect immediately when your case is filed. Filing for bankruptcy can also immediately halt foreclosures and repossessions.