💳 Credit Card Debt Relief in Clark County, Las Vegas, Henderson, or anywhere in southern Nevada.
Are you struggling with overwhelming debt in Clark County, Las Vegas, Henderson, or anywhere in southern Nevada? At A Fresh Start Law, led by experienced attorney Dorothy Bunce, we focus exclusively on helping people solve debt problems — from credit cards and medical bills to foreclosure, tax debt, judgments, and business obligations. With more than 35 years of experience and over 30,000 debt-related questions answered online, Dorothy has earned a reputation as one of Nevada’s most trusted Bankruptcy and debt relief lawyers.
✨ Whether your best option is Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt settlement, or another strategy, our goal is always the same: to give you relief, protect what matters most, and help you move forward with confidence.
📞 Call us today at (702) 551-3256 for your free consultation or request a same-day callback.
✨ You Deserve a Fresh Start!
At A Fresh Start Law, we’ve helped hundreds of Nevadans solve overwhelming debt problems while protecting what matters most. If credit card debt is weighing you down, you’re not alone — and you have options.
📞 Call us today at (702) 551-3256 for your free consultation or request a same-day callback.
😟 Why Credit Card Debt Feels Overwhelming
Credit card debt is one of the most common reasons people seek help. At first, these debts seem manageable:
- ✅ Low minimum payments.
- ✅ Introductory interest rates.
- ✅ The freedom to buy what you need, when you need it.
But then reality hits:
⚠️ High interest rates kick in.
⚠️ Minimum payments grow out of reach.
⚠️ Balances snowball into thousands of dollars.
For many, credit cards become a debt treadmill that feels impossible to escape.
💡 Why Credit Cards Are So Tempting
Credit cards are convenient — almost too convenient:
- 🛒 Buy groceries or cover emergencies before payday.
- 📱 Keep your utilities or cell phone active by paying bills online.
- ✈️ Pay for travel or unexpected expenses instantly.
But the same convenience often traps people into long-term debt.
⚖️ Options for Solving Credit Card Debt
At A Fresh Start Law, we offer our clients two options for resolving credit card debt.
1. 🔄 Debt Settlement
We negotiate directly with creditors to reduce your balances. Creditors may agree to accept less than the full amount owed, especially if you can make a lump-sum payment.
2. ⚖️ Bankruptcy
Chapter 7 or Chapter 13 Bankruptcy can eliminate or restructure credit card debt. But there are rules:
- 🚫 You cannot max out your cards right before filing — that may be considered fraud, a criminal offense.
- 🚫 Recent large purchases or cash advances may not be eligible to be eliminated in Bankruptcy.
🛍️ When “Credit Cards” Aren’t Really Credit Cards
Some store cards appear to be regular credit cards but are actually installment contracts. An installment contract gives the creditor the right to repossess the items you purchased if you fail to make payments.
Examples of this include:
- 🏠 Home Depot & Lowe’s.
- 📺 Best Buy.
- 🛋️ RC Willey & Floor & Décor.
- 💍 Kay & Zales Jewelry.
If you fall behind on these accounts, creditors have the legal right to reclaim your purchases.
🌟 How A Fresh Start Law Can Help
👩⚖️ Attorney Dorothy Bunce has over 35 years of experience helping clients overcome credit card debt.
💬 She has answered over 30,000 legal questions about debt online, making her one of the most trusted voices on this topic.
🤝 She’ll explain your options clearly so that you can make the best choice for your future.
✨ You don’t have to struggle with credit card debt forever. Relief is possible — whether through settlement, Bankruptcy, or another solution.
📞 Call us today at (702) 551-3256 for your free consultation or request a same-day callback.
🤔 Credit Card Debt – Frequently Asked Questions.
💳 Will Bankruptcy erase all my credit cards?
Yes, in most cases. Credit card debt is considered unsecured debt and can typically be discharged in Chapter 7 or reorganized in Chapter 13. The only exception is if you recently made large purchases or cash advances — those may not qualify to be eliminated in Bankruptcy.
⚖️ Can creditors sue me for unpaid credit cards?
Yes. If you stop paying, a creditor can file a lawsuit. If they win, they can garnish your wages, freeze your bank accounts, or put liens on property. Bankruptcy or debt settlement can stop lawsuits and protect you from judgments.
📉 Will settling or discharging credit card debt through Bankruptcy ruin my credit forever?
No. Your credit will take a hit, but it won’t last forever. Many people see their scores begin to improve within 6 to 18 months after resolving their credit card debt. Clearing the balances gives you the chance to rebuild.
🛍️ Can a store really take back what I bought on a retail card?
Yes, in some cases. Some store-branded cards (like furniture or jewelry accounts) are actually installment contracts, which means the items you bought can serve as collateral. If you stop making payments, these creditors are entitled to repossess the items you purchased. However, many creditors will not do this because the cost of picking up the items and reselling them isn’t cost-effective.
💸 Is debt settlement better than Bankruptcy?
It depends. Debt settlement can reduce what you owe, but it requires lump-sum money available and depends on creditor cooperation. Bankruptcy is more powerful because it can eliminate debts even if creditors refuse to negotiate. Dorothy will review your entire situation and explain which option is best for you.
📈 Will I ever be able to get credit again?
Yes. Many clients are surprised at how quickly new credit offers arrive after either Bankruptcy or settlement. Rebuilding responsibly — with a secured credit card, small loan, or on-time payments — can help you bounce back faster than you might expect.
✨ Still worried about your credit card debt? Attorney Dorothy Bunce has helped thousands of Nevadans find relief through Bankruptcy, debt settlement, and tailored solutions.
📞 Take the First Step Toward a Fresh Start
At A Fresh Start Law, solving debt problems isn’t just part of what we do — it’s our only business. Attorney Dorothy Bunce has over 35 years of experience helping Nevadans like you escape overwhelming debt and rebuild their lives with dignity.
✨ Whether your challenge is credit cards, medical bills, business debts, judgments, foreclosure, or even tax problems, there is a solution. And you don’t have to figure it out alone.
✅ Why Choose A Fresh Start Law?
- 👩⚖️ Experienced Las Vegas bankruptcy & debt attorney since 1979.
- 💬 Answered more than 30,000 debt questions online — proving Dorothy’s dedication to clear, helpful advice.
- 🤝 Compassionate, judgment-free guidance tailored to your unique situation.
- 🌟 Same-day callbacks and free initial consultation.
📲 Ready for Relief?
📞 Call us today at (702) 551-3256.
💬 Or request a same-day callback from our team.
🗓️ Schedule a free, confidential consultation with Attorney Dorothy Bunce.
✨ You Deserve a Fresh Start — Let’s make it happen together.