Bankruptcy Lawyer Paradise, NV
Are you searching for a solution to overwhelming debt? Well, you are not alone! With the high cost of housing in Paradise, plus the price increases at the grocery store, the gasoline pump, and the Nevada Energy bills, coupled with little or no increases to wages, layoffs, and cutbacks on hourly work available, many Paradise residents are struggling to pay their living expenses. An unexpected cost like an automobile repair could completely destabilize a budget. They often have little or nothing left to allocate towards paying debts such as credit cards, personal loans, or medical bills.
At A Fresh Start Law, led by experienced bankruptcy attorney Dorothy Bunce, we are here to help Paradise, NV residents regain control of their financial future. While filing for bankruptcy can eliminate debts, protect your assets, and provide the fresh start you deserve, it is one option; at A Fresh Start, we can offer other options to you as well.
With over 35 years of experience caring for her clients’ well-being and searching for alternatives, Attorney Dorothy Bunce and her team are ready to guide you through several ways to solve your debt problems with compassion and expertise.
What is Bankruptcy?
Bankruptcy is a legal process designed to help individuals and businesses eliminate or restructure their debts. It provides relief from overwhelming financial burdens, allowing you to rebuild your credit and regain financial stability. At A Fresh Start Law, we specialize in Chapter 7 and Chapter 13 bankruptcy, offering tailored solutions to meet your unique needs.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” is a powerful tool for eliminating unsecured debts such as credit card balances, medical bills, and personal loans. When you file for Chapter 7, the court issues an “automatic stay,” which immediately stops creditor harassment, wage garnishments, and collection actions. You may be a good candidate for Chapter 7 bankruptcy if you:
- Have significant credit card or medical debt
- Are facing lawsuits or wage garnishments
- Have experienced a business failure
- Owe taxes or other debts that Chapter 7 can address
Attorney Dorothy Bunce has been handling Chapter 7 cases since 1979 and has answered over 30,000 questions about debt on Avvo. She is well-aware of the many land-mines that can come when someone files for bankruptcy without considering the entire situation. Her extensive experience ensures that you receive the best possible guidance and representation.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy, sometimes called a “consumer reorganization,” or a “wage-earners Plan,” is ideal for individuals with a steady income who can repay some or all of their debts over time. Chapter 13 isn’t an option someone chooses simply because they want to repay their debts–it is designed to provide an opportunity to achieve specific financial goals, such as catching up on missed mortgage payments, repaying tax debts, and protecting valuable assets.
Chapter 13 may be the right choice if you:
- Are facing foreclosure or repossession.
- Have debts that cannot be discharged in Chapter 7.
- Need more time to repay your obligations.
- Are ineligible for a Chapter 7 due to a recent Bankruptcy Discharge, having some money available to repay at least part of your debts, or if you own valuables that a Chapter 7 cannot protect.
Filing for Chapter 13 bankruptcy lets you have the benefit of up to five years of protection from your creditors, provided you are willing to make affordable monthly payments.
Finding the Right Bankruptcy Lawyer for Paradise Residents
Choosing the right bankruptcy lawyer is crucial to achieving a successful outcome. At A Fresh Start Law, we understand the stress and uncertainty that come with financial difficulties. That’s why we’re committed to providing compassionate, effective legal services to Paradise residents. We call the law firm “A Fresh Start” because we believe you deserve a chance to move on from any past mistakes and learn from them. As our free gift to our clients, we provide them credit rebuilding tips and strategies once their case concludes.
Why You Need Dorothy Bunce and the Team at A Fresh Start Law
Attorney Dorothy Bunce has a proven track record of success in bankruptcy court, with over 35 years of experience helping clients eliminate their debts and rebuild their lives. Here’s why you should choose A Fresh Start Law:
- Expertise: Dorothy Bunce is a seasoned bankruptcy attorney who knows the ins and outs of Chapter 7 and Chapter 13 cases. But more importantly, her clients repeatedly say that she cares about them and spots the hidden risks in the many options to obtain help from overwhelming debt.
- Personalized Service: Dorothy and her team take the time to understand your unique financial situation and recommend the best solution for you. It’s not just us being nosy! Issues, such as being on your Mom’s bank account, co-signing a loan for your sister, or trying to repay some of your debts before you proceed, could be significant problems if your Attorney doesn’t know about them. To solve a problem, someone needs to see the problem, so we go digging to find out everything. Everyone has problems, and most of us have some secrets.
- Comprehensive Support: From handling confusing paperwork to representing you at hearings, we’re with you every step of the way. At A Fresh Start Law, we don’t hand you a stack of forms to complete. Instead, the Attorney, not an assistant, sits down with you to review your financial facts during a detailed consultation.
- Proven Results: Thousands of clients have experienced the benefits of filing for bankruptcy or otherwise solving their debt problems with the help of A Fresh Start Law. When you work with A Fresh Start Law, you’re not just hiring a lawyer—you’re gaining a dedicated team that genuinely cares about your financial well-being.
What Does the Bankruptcy Process Look Like?
The bankruptcy process may seem overwhelming, but with the right guidance, it can be stress-free. At A Fresh Start Law, we break the process down into manageable steps:
- Pre-Bankruptcy Evaluation: Complete a mandatory evaluation at www.cricketdebt.com by using our code, 687098, to waive the upfront cost. You only have to pay for this program when unlocking the certificate to file your case, and the bill will go to A Fresh Start Law.
- Initial Consultation: Schedule a free consultation with Attorney Dorothy Bunce to discuss your financial situation and determine if bankruptcy is your best option.
- Obtaining Your Documents: Gather your financial documents from our detailed checks list (such as income records, tax returns, and bank statements). Our team will then analyze your documents and prepare your case.
- Filing Your Case: Once we prepare your case, you must review it and certify that everything in it is 100% complete and accurate. Next, we’ll file it with the bankruptcy court. If necessary, we will take steps to enforce the automatic stay to protect you from aggressive creditors.
- Meeting of Creditors: Attend a meeting with your bankruptcy trustee and your Attorney, where we’ll represent your interests and address any questions. Before the meeting, we will make sure that the Trustee has received all the necessary updated documents to conduct the meeting.
Discharge of Debts: For Chapter 7 cases, debts are typically discharged 60 days after the trustee meeting. For Chapter 13 cases, the discharge occurs after completing your repayment plan, which may take 3-5 years. Throughout the process, Dorothy and our team will be available to answer your questions, address your concerns, and ensure everything runs smoothly.
Benefits of Filing for Bankruptcy
Filing for bankruptcy offers numerous benefits, including:
- Eliminating Debts: Bankruptcy can discharge most unsecured debts, giving you a clean slate.
- Stopping Creditor Harassment: The automatic stay prevents creditors from contacting you or taking legal action.
- Protecting Assets: Bankruptcy laws allow you to keep most or all of your valuable belongings.
- Rebuilding Credit: With our guidance, you can start rebuilding your credit immediately after your case is discharged.
At A Fresh Start Law, we’re committed to helping you achieve these benefits and more. Our goal is to provide you with the tools and support you need to move forward with confidence.
Contact A Fresh Start Law Today
If you’re ready to take control of your financial future, don’t wait—contact A Fresh Start Law today. Attorney Dorothy Bunce and her team are here to help Paradise, NV residents navigate the bankruptcy process and achieve a fresh start.
- Phone: Call us at (702) 551-3256 to request a same-day callback.
- Consultation: Schedule a free consultation with Attorney Dorothy Bunce to discuss your options.
- Location: Serving Paradise, NV, and the surrounding areas.
At A Fresh Start Law, solving your debt problems is our only business. Let us help you eliminate your debts, protect your assets, and rebuild your life. You deserve a fresh start!