You Deserve a Fresh Start! We have helped hundreds of people, just like you, eliminate their debts. Chapter 7 Bankruptcy Lawyer in Las Vegas.

Debt Settlement Lawyer in Las Vegas.

Solving your debt problems is our only business.

If Bankruptcy doesn’t fit your financial goals, A Fresh Start Law can offer you other options to eliminate your debts.

Debt settlement, also called “Debt Consolidation,” could be another way to solve your debt problem, allowing you to avoid Bankruptcy.

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.

A Fresh Start Law has Settled the following Types of Debts:

• Credit Cards.
• Repossessed Vehicles Debt.
• Medical Debts.
• Vehicle Accidents.
• Court Judgments.
• Pending Lawsuits.
• Student loans.
• Solar and Water System Debt.
• Unpaid Rent, Evictions, and Breach of Lease Claims, both personal and business.
• Utility Bills.
• Breach of Contract.
• Personal Loans.
• Business Loans and other debts.
• State Tax Debt.

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.

Solving your debt problems is our only business.

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.

What is the difference between Debt Settlement and Debt Consolidation?

Debt settlement is when a creditor agrees to accept less to consider a debt “paid in full.” In contrast, Debt consolidation lets you make one payment towards repaying most or all of your debts. However, genuinely consolidating debts requires you to go to a new lender to repay your debts or settle them for a reduced amount.

But this is the catch – companies that offer “debt consolidation” aren’t lenders. Your state government licenses every Lender, and this business is highly regulated. But debt consolidation companies do not want the government looking at them too closely. So instead, they offer debt settlement which they disguise as debt consolidation. This sleight of hand has an essential purpose – to make them more money, to hide from any responsibility to their customers, and to make repaying your debts impossible. So while you believe your payments are going to your creditors, your payments are only paying the fee to the “debt consolidation company.” Debt consolidation companies don’t begin negotiations to repay your debts until you pay their fees in full and have money on deposit to pay out a settlement. As a result, people often make payments for years. While this takes place, these debt consolidation companies do nothing to earn their hefty fee.

How Does Debt Settlement Work?

Debt settlement works because collecting is difficult and expensive if someone doesn’t voluntarily pay. As a result, a skilled negotiator can negotiate terms to eliminate debts at a discount. Depending on the circumstances, your savings might be modest or substantial. Debt settlement is a good option for someone who can pay part of their debts but struggles to get on top of all of them. In addition, debt settlement offers the advantage of letting you overcome debt struggles without having to disclose your financial circumstances publically.

Each method of debt relief has advantages and disadvantages. So at A Fresh Start Law, we recommend keeping an open mind. If you need advice, consult a debt settlement lawyer who thoroughly understands Bankruptcy law. At A Fresh Start Law, Attorney Dorothy Bunce can answer your questions so that you understand your options before you make this important decision.

Can All Debts Be Taken Care Of With Debt Settlement?

Debt settlement only works if a creditor agrees to settle. No one, not even a Judge, can force a creditor into settling. So, of course, debt settlement involves some risk. At A Fresh Start Law, we believe our clients should understand their risks and limit them whenever possible. So our retainer fee is modest. We don’t earn our fee until we obtain the results you want. Also, we don’t require you to give us your settlement funds until we have a settlement agreement. Although some clients ask us to do this, at A Fresh Start Law, we don’t require this.

Is Debt Settlement a Good Idea?

Before deciding, you have several issues to consider. Are your goals realistic? While Debt settlement works for many people, it has not worked for others. Debt settlement will only be successful if there has been a careful evaluation of your circumstance. Reach out to an experienced debt settlement lawyer, such as A Fresh Start Law in Las Vegas, to receive an objective analysis about debt settlement.

Advantages of Debt Settlement.

• Stops creditors and collectors from harassing you.
• Avoids Bankruptcy.
• Could reduce your debt.
• Keeps your financial information private.

Disadvantages of Debt Settlement.

• Creditors may refuse to negotiate.
• Because of interest and late payment fees, you may have more debt.
• Your credit may see a negative impact.

Speak with a skilled debt settlement lawyer at A Fresh Start Law today. We negotiate with your creditors and find the solution that works best for you.

Is Debt Settlement Right For Me?

Your chance of success will increase if you hire an attorney who knows the ropes and knows those working for your creditors. Is debt settlement the ideal option to get your debt under control? Before answering, at A Fresh Start Law, we will first analyze your circumstances. If you are not likely to be able to afford to settle your debts, we will tell you this. If you expect unrealistic results, we will also explain why. Choosing debt settlement is an important decision. Because one size does not fit all, the team at A Fresh Start Law suggests considering many factors before making a final decision.

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.

Solving your debt problems is our only business.

• Credit Cards

You Deserve a Fresh Start! We have helped hundreds of people, just like you, eliminate their debts. Consumer Debt Lawyer in Las Vegas.

Solving your debt problems is our only business.

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.

Credit Card Debts

Credit card debt is a common reason why people seek legal help with their debts. Credit cards are typically high-interest debt. They are an easy-to-use, easy-to-play financial product. At first, the minimum payments are affordable. But once someone becomes accustomed to using them, paying them off can be nearly impossible. In addition, using credit cards can be addicting. You can purchase what you want when you want it. At first, the cost is small…until suddenly, an introductory rate expires, and your minimum payment explodes.

Credit cards are convenient. They make your life easier. With a credit card on file, you don’t have to worry about having your power, phone, water, or other utilities turned off. You don’t need to wait until payday to buy groceries or pay a necessary unexpected expense.

You can eliminate credit card debts either through bankruptcy or debt settlement. However, both solutions have limitations as to when you can do this. For example, you can’t “max out” your credit cards and then go bankrupt. Trying to do this is fraudulent. Likewise, you can’t settle credit card debts when you recently used the cards.

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.

Solving your debt problems is our only business.

• Repossessed Vehicles Debt. More

Repossessed Vehicle Deficiencies

Few people understand vehicle deficiencies until it happens to them. Unfortunately, a vehicle deficiency can occur to anyone who has signed a car loan. Invariably, having a vehicle deficiency is expensive.

Here is how it happens –

• You sign a vehicle loan. You might be the car buyer, but often you believe you are only “secondary” on the note. Unfortunately, it doesn’t matter who has the vehicle. Anyone that signed the loan paperwork is 100% responsible for paying it.
• No one made the payments. It doesn’t matter if the car was repossessed or returned voluntarily.
• The creditor sells the vehicle at a loss, often at a rigged auction reserved “for car dealers only.”
• The creditor sues for payment of the difference between the sale proceeds, after paying sale expenses, and the loan balance.
• The creditor obtains a Court judgment naming everyone on the vehicle loan.
• The creditor finds someone named on the Court judgment with a job and garnishes their wages.
• The creditor finds the person on the judgment with a bank account and seizes the money in the account.
• The creditor records their judgment with the County Recorder, which puts a lien on the person named in the judgment who owns real estate.

Here is why it happens –

• You bought a vehicle that was too expensive for your income.
• You lost your job or suffered other unexpected financial problems.
• You cosigned a vehicle for a partner, child, other family members, or friend.
• The vehicle turned out to be a lemon or wasn’t worth what you thought.

Would you like more information about ways to solve a vehicle deficiency? Request a same-day call back from our team at (702) 551-3256 or schedule a comprehensive consultation with bankruptcy attorney Dorothy Bunce. The initial consultation is always free.

• Vehicle Accidents. More

Accident Claims and other Insurance Issues

You Deserve a Fresh Start! We have helped hundreds of people, just like you, eliminate their debts.

Solving debt problems is our only business.

If you have lost income, you might have decided to enter the “gig” economy. This type of work often requires you to use your vehicle to do your job. And, if money is tight, you might also cut back on your expenses. Unfortunately, one casualty of these decisions affects your vehicle insurance.

Driving others or delivering products can invalidate your regular auto insurance coverage. In addition, you can face enormous repercussions if you get into an accident if you don’t pay your premiums on time or lower your coverage.

If you are in a car accident without insurance, too little insurance, or the wrong type of insurance, you could be liable for damages. As a result, the DMV can cancel your driver’s license. Even if you have proper coverage, you may face issues trying to get the insurance companies to pay for the accident.

Solving debt problems is our only business.

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

• Solar and Water System Debt. More

You Deserve a Fresh Start! We have helped hundreds of people, just like you, eliminate their debts. Bankruptcy Lawyer in Las Vegas. Debt Settlement Lawyer in Las Vegas.

Solving your debt problems is our only business.

Solar and Water Treatment Liens

Almost every day, the news describes the many advantages of “going solar.” And upon moving to southern Nevada, we also know hard water doesn’t clean and makes our skin itch. Salespeople come by, call, or send us flyers. At some point, we fall for the pitch and buy something that costs far more than it is worth because “it saves money,” and you can have it with “easy financing.”

And we wish we had asked more questions. Usually, financing a solar or water treatment system puts a lien on our home. In some instances, the company that promised to service these systems disappeared. But the debt remains.

At A Fresh Start Law, our attorney and legal team have experience solving debts for solar and water treatment systems.

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.

You Deserve a Fresh Start! We have helped hundreds of people, just like you, eliminate their debts. Bankruptcy Lawyer in Las Vegas. Debt Settlement Lawyer in Las Vegas.

Solving your debt problems is our only business.