If you’re dealing with overwhelming debt, creditor calls, or the risk of foreclosure, you’re not alone. Bankruptcy is a legal tool designed to help people regain control of their finances—not a failure.

At A Fresh Start Law, we help individuals and families throughout Las Vegas and Clark County, Nevada understand their bankruptcy options and move forward with confidence. Below are answers to some of the most common questions we hear.

What is bankruptcy?

Bankruptcy is a legal process that helps individuals eliminate or reorganize debt when repayment is no longer manageable. For Las Vegas and Clark County residents, bankruptcy can stop collection efforts, pause lawsuits, and provide a structured path toward financial relief under federal law.

What types of bankruptcy are available in Nevada?

The two most common types of personal bankruptcy in Nevada are Chapter 7 and Chapter 13.

Chapter 7 bankruptcy eliminates most unsecured debts, such as credit cards and medical bills, and is often the fastest option.

Chapter 13 bankruptcy allows you to reorganize debt through a court-approved repayment plan lasting three to five years. A Las Vegas bankruptcy attorney can help determine which option is right for you.

How do I know if I qualify for Chapter 7 bankruptcy in Las Vegas?

Chapter 7 eligibility is based on the Nevada means test, which compares your household income to the state median. If your income is below the median, you may qualify automatically. If it is higher, allowable expenses may still make you eligible.

Will bankruptcy stop creditor harassment and collection calls?

Yes. Filing for bankruptcy triggers an automatic stay, which immediately stops collection calls, wage garnishments, lawsuits, and bank levies. Creditors who continue contacting you after filing may be violating federal bankruptcy law.

Can bankruptcy stop foreclosure in Las Vegas?

Bankruptcy can stop foreclosure temporarily through the automatic stay.

• Chapter 7 bankruptcy may delay foreclosure and provide time to explore alternatives.

• Chapter 13 bankruptcy can allow homeowners to catch up on missed mortgage payments over time and potentially keep their home.

Timing is critical if you are facing foreclosure in Clark County.

Will I lose my house or car if I file bankruptcy in Nevada?

Not necessarily. Nevada bankruptcy exemptions protect certain assets, including home equity, vehicles, retirement accounts, and personal property. Many Las Vegas residents who file bankruptcy are able to keep their house and car, depending on equity and loan status.

What debts are eliminated in bankruptcy?

Bankruptcy can eliminate many unsecured debts, including credit card debt, medical bills, personal loans, payday loans, and some judgments.

Certain debts usually cannot be discharged, such as child support, alimony, most student loans, recent tax debts, and criminal fines.

How long does bankruptcy take in Nevada?

A Chapter 7 bankruptcy case in Nevada typically takes three to four months from filing to discharge.

A Chapter 13 bankruptcy case involves a repayment plan lasting three to five years, with legal protections beginning immediately after filing.

How much does it cost to file bankruptcy in Las Vegas?

The cost of filing bankruptcy depends on the type of case, court filing fees, and attorney fees. Chapter 7 and Chapter 13 costs vary based on the complexity of the case.

A bankruptcy attorney can explain all costs and payment options during your consultation.

Will bankruptcy ruin my credit?

Bankruptcy does affect your credit, but for many people, credit scores begin improving soon after discharge. If you are already behind on payments or facing collections, bankruptcy can provide a clean financial reset and a foundation for rebuilding credit.

Do I need a bankruptcy lawyer to file in Las Vegas?

You are not required to hire a lawyer, but bankruptcy law is complex. Working with an experienced Las Vegas bankruptcy attorney helps ensure your case is filed correctly, your assets are protected, and your rights are fully enforced.

Where are bankruptcy cases filed for Clark County residents?

Bankruptcy cases for Clark County residents are filed with the U.S. Bankruptcy Court for the District of Nevada, which has a courthouse in Las Vegas. Your attorney handles all filings and communication with the court.

Is bankruptcy the right solution for me?

Whether bankruptcy is right for you depends on your income, assets, debts, and long-term goals. For many Las Vegas residents, bankruptcy offers fast and effective debt relief.

A confidential consultation with a bankruptcy attorney can help you understand your options and next steps.

Talk to a Las Vegas Bankruptcy Attorney Today

If you’re considering bankruptcy in Las Vegas or Clark County, you don’t have to figure it out alone. At A Fresh Start Law, we focus on helping people move forward with clarity, dignity, and peace of mind.

Contact us today to schedule a free consultation and learn your options.