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Bankruptcy Myths

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Because Bankruptcy is both complicated and confusing, it isn’t surprising that plenty of myths have emerged. Everyone who has gone through Bankruptcy has had a different experience. Many people believe that Bankruptcy means “giving up.”  Others believe that “they will never get credit again.” Others think “they make too much even to file.” 

However, Chapter 7 and Chapter 13 Bankruptcy programs are strategic ways to solve overwhelming debt problems. Many people have taken advantage of these programs to obtain a fresh start.

Bankruptcy offers a path to a fresh start. If you wonder if Bankruptcy is the right choice, Attorney Dorothy Bunce at A Fresh Start Law can answer your questions.

Request a same-day call back from our team at (702) 551-3256 or schedule a comprehensive consultation with Dorothy Bunce, our attorney. The initial consultation is always free.

Bankruptcy Myths

With over 35 years of Bankruptcy experience and a frequent volunteer on the online forum,  Attorney Dorothy Bunce  has answered more than 30,000 questions about Bankruptcy and debt.



Any generic answer can be misleading because your circumstances are unique. Whether this is good or bad, the law doesn’t provide “one-size-fits-all” solutions to debt problems. Before proceeding with Bankruptcy, why not consult an experienced Las Vegas bankruptcy first? However, be prepared to share your financial secrets. You may be surprised at your options.

Common bankruptcy myths are:

  • Bankruptcy erases every debt.
  • Bankruptcy ruins your credit.
  • If you file Bankruptcy, you could lose your house and car.
  • Bankruptcy increases creditor harassment.
  • You can only file Bankruptcy once.
  • Everyone can file Bankruptcy.

However, the truth is:

  • Bankruptcy doesn’t eliminate “special” debts, such as child support, most taxes, debts linked to crimes, and student loans.
  • Your credit was damaged if you didn’t pay your debts on time. Some people see an increase in their credit score immediately after filing Bankruptcy. You can significantly rebuild your credit after Bankruptcy within a year, but doing this requires effort.
  • If you don’t keep the payments on your mortgage or car loan current, you will lose your house and car whether you file Bankruptcy or not.
  • Bankruptcy stops harassment by your creditors. It is rare for you to have any contact with your creditors after you hire an attorney. If this happens, it is typically a mistake, as the Bankruptcy Court can penalize creditors who contact you when you have an attorney.
  • You can only receive a Chapter 7 Bankruptcy Discharge eliminating your debts once every 8 years. However, even then, you could file a Chapter 13 Bankruptcy as long as you qualify. Still, there are time restrictions on how often you can receive a Discharge in either Chapter.
  • To be eligible to eliminate debts in  Bankruptcy, you must meet specific financial criteria.

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Solving your debt problems is our only business.

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Dorothy is an active member of the Southern Nevada Association of Bankruptcy Attorneys.

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Why Choose A Fresh Start Law?

Over 35 years of experience helping people and families start fresh!

We provide free consultations to help you determine the right course.

We create a plan designed specifically for your unique financial situation.

We walk you through the process and ensure you leave feeling set up for success!

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