🌟 Real Client Results
Clark County, Las Vegas, North Las Vegas & Henderson, plus all of southern Nevada— A Fresh Start Law.
Real people. Real relief. Below are true-to-life examples (names/initials used for privacy) summarizing how a smart strategy + the right chapter can turn things around.
The following is general information only, not legal advice. Every case is different.
🧾 Bankruptcy Results
✅
🏠 Mr. & Mrs. H — Lien Removed, Debt Gone.
Problem
~$20,000 in credit cards + a $40,000 judgment that became a lien on their home.
Solution
In Chapter 7, Attorney Dorothy Bunce filed a targeted action to remove the lien while discharging the unsecured debts.
Result
Clear title + fresh start.
✅
🧮 Lori — Saved Her Home, Tamed the Taxes.
Problem
Overwhelmed by bills and unfiled taxes, her HOA had also scheduled a foreclosure on her paid-off home.
Solution
Chapter 13 plan to repay HOA ($4,000) and back taxes in affordable monthly payments; avoided $30,000+ in tax penalties.
Result
Home saved, stress delegated to pros, manageable plan.
✅
👩👧 Shari — Single Mom, Chapter 7 Relief.
Problem
Great job, but only $46 left after basics; $69,000 in medical + credit card debt.
Solution
We documented lawful deductions so she passed the Means Test for Chapter 7
Result
All debts discharged; the current budget finally lets Shari breathe.
✅
👩⚕️ Mary — High Earner, Higher Responsibilities.
Problem
Supports disabled husband, stepchild, and elderly parents; fell behind and owed $75,000+ in taxes + $35,000 in other debts.
Solution
We uncovered a little-known Chapter 7 pathway that applied to her facts.
Result
Debts discharged; family budget rebalanced.
✅
🎲 Monique — Two Leases, Repossession, Payday Loan Spiral.
Problem
Broke two leases, got sued twice; her car was repossessed; with payday loans & gambling losses.
Solution
Chapter 7 to wipe $30,000+, including both court judgments on the leases.
Result
Clean slate + credit-rebuilding plan.
✅
💔 Amber — Credit Wrecked by “Mr. Wrong.”
Problem
Convinced by her boyfriend/” fiancée” to finance a Jeep ($77k), motorhome, and motorcycle she couldn’t afford. He was “supposed” to make all the payments.
Solution
Chapter 7 to discharge $100,000+ in unsecured debts.
Result
Toys repossessed, debt gone, clarity restored.
✅
🔧 Mike — New Family, New Start.
Problem
Supported spouse and child abroad, with high expenses for immigration legal fees; $50,000 in credit cards.
Solution
Chapter 7 discharge after strategic review.
Result
Reunited family, bought a home later with better budgeting.
✅
🌆 Elizabeth — Celebrity Lifestyle, Real-World Bills.
Problem
Nearly $200,000 in unsecured debt after job loss.
Solution
Chapter 7
Result
Debt-free and launched her own business—with friends cheering her on.
✅
🚫 Cautionary Tale — When Honesty Matters.
Problem
“Demi” filed Chapter 13 Bankruptcy days before a foreclosure sale, but hide her prior bankruptcy cases and lawsuits; then, she ghosted her lawyer.
Outcome
Case dismissed; home lost; future ability to file Bankruptcy again restricted.
Lesson
Be candid with your attorney—we can help only if we have the full picture.
✅
🎰 Lisa — Pandemic Shift & Rising Costs.
Problem
Casino closure resulted in her job being relocated to their other location, much further away; +$250/month commute; adult son also moved back home and needed her financial help; $57,000 in debt.
Solution
Chapter 7 discharge + credit-rebuild steps.
Result
On track and moving forward.
✅
🏥 Rebecca — Medical Debt & Repos.
Problem
$140,000+ in medical debt and vehicle deficiencies after repossession
Solution
Chapter 7 with our representation.
Result
Debt-free, new job with insurance—hello, fresh start.
🌟 Real Client Results
Clark County, Las Vegas, North Las Vegas & Henderson, plus all of southern Nevada— A Fresh Start Law.
Real people. Real relief. Below are true-to-life examples (names/initials used for privacy) summarizing how a smart strategy + the right chapter can turn things around.
The following is general information only, not legal advice. Every case is different.
🤝 Debt Settlement Results (No Bankruptcy).
✅
🏥 Robyn — Hospital Lien Slashed 95%.
Problem
UMC medical lien >$60,000 on home due to misdirected billing.
Solution
An agreement was negotiated to pay $3,000 for full settlement, and the lien was removed.
Result
95% savings; property freed up.
✅
👩❤️👨 William & Linda — When Joint Bankruptcy Won’t Fit.
Problem
Business failure; $75,000+ in debt; Linda’s income too high for joint filing.
Solution
Legal strategy let William file while we settled Linda’s debts.
Result
Settled $23,240 with BofA for $5,450 (77% savings); protected wages.
✅
🚗 Youn — Accident with Lapsed Insurance.
Problem
$43,000+ claim; risk of license suspension.
Solution
Settled for $11,000 (~70% savings); family helped by providing the funds to settle.
Result
Kept her driver’s license—and vowed never to let coverage lapse.
✅
👵 Tom & Flora — “Old School,” No Bankruptcy.
Problem
Multiple credit cards; opposed to filing for Bankruptcy.
Solution
Negotiated settlements:
- Barclays ~ $10,000 → $3,500 (65% off)
- American Airlines $14,173 → $5,216 ($8,957 saved)
Result
Peace of mind without Bankruptcy.
✅
💳 Joel — Capital One Credit Card.
Problem
$6,335 balance.
Solution
Settled for $2,600.
Result
60% savings.
✅
🎓 Elmer — Federal Student Loans.
Problem
$155,938.39; monthly payment $1,553
Solution
Restructured payments through an Income-Based Repayment to $45.91/month.
Result
97% monthly payment reduction
✅
🚘 Kurt — Auto Deficiency.
Problem
$5,134.88 owed after car repo.
Solution
The Creditor agreed to stop collection.
Result
100% savings.
✅
🚘 Kurt — Auto Deficiency.
Problem
$5,134.88 owed after car repo.
Solution
The Creditor agreed to stop collection.
Result
100% savings.
✅
🏦 Kelly — Citibank Lawsuit.
Problem
$8,470.65 credit card lawsuit.
Solution
Settled for $3,000 (64% off).
Result
Lawsuit resolved for less.
✅
🚘 Jasmine — At-Fault Accident, No Insurance.
Problem
$26,654.78 claim due to an uninsured motor vehicle accident, with her driver’s license at risk.
Solution
Settled for $7,500 (72% savings).
Result
Kept her license.
✅
💼 James — Two Card Balances.
Problem
$9,851 (AmEx) + $6,581.98 (CapOne).
Solution
Both at 35% of the balance.
Result
$10,682 saved
✅
💳 Albert — Discover Credit Card.
Problem
$19,178.15 delinquent debt to Discover.
Solution
$6,000 settlement, with $4,000 down + four $500 payments.
Result
69% reduction ($13,178.15 saved).
✅
🚗 Damien — Big Repo Deficiency.
Problem
$22,656.14 owed after his vehicle was repossessed.
Solution
Settled for $5,000.
Result
78% savings ($17,656.14).
✅
🏥 Grace — Denied Surgery Claim.
Problem
When her insurance refused to pay her claim for surgery, her hospital bill was $60,000+.
Solution
We used a legal loophole to stop the collection against her.
Result
$0 paid (100% savings).
✅
🏦 Austin — US Bank + Verizon.
Problem
$5,348.17 + $1,543.0
Solution
Settled for $2,674.08 and $620
Result
$3,597.13 saved.
✅
💳 Courage — Two Wells Fargo Cards.
Problem
$8,917.28 and $4,654.54.
Solution
40% settlements on both.
Result
$8,143.09 saved.
✅
⚖️ David — Two Lawsuits.
Problem
$4,628.38 total.
Solution
40% settlements.
Result
$2,778.38 saved.
✅
🏢 Natalie — Apartment Lease Balance.
Problem
$1,719.06 owed after move-out.
Solution
50% settlement.
Result
Paid half, moved on, in more ways than one.
✅
🧾 Abiy — Lawsuit for $11,312.90.
Problem
$11,312.90.
Solution
Settled at $4,000.
Result
$7,312.90 saved.
✅
🧰 John — Damages Suit $5,855.93.
Problem
$5,855.93.
Solution
40% settlement.
Result
$3,500+ saved.
✅
🧠 Gaylen — Spoke to Opposing Law Firm First.
Problem
$40,593.93 Capital One; paid $16,000 after discussing his case with the Bank’s lawyer on his own, but didn’t realize that this payment didn’t prevent the lawsuit from continuing.
Solution
Despite hurdles due to prior disclosures, we achieved a ~50% reduction in the remaining balance.
Lesson
Call us first—it protects your leverage.
✅
📨 Brandy
Problem
$43,990.76 Lawsuit.
Solution
Settled for under 30%.
Result
$28,990.76 saved.
✅
📞 Van — Two Lawsuits, Two Outcomes.
Problem
Gave too much info to one creditor’s lawyer out of fear.
Solution
- First suit $4,233.42 → $2,900 (~68% of balance paid; $1,333.42 saved).
- Second suit $4,358.38 → 40% (better result since we handled all contact).
Lesson
Let us do the talking.
Speak with a skilled debt settlement lawyer at A Fresh Start Law today.
We negotiate with your creditors and find the best solution for you.
Reviews & Endorsements
Learn why you should choose Attorney Dorothy Bunce
“I would refer any prospective clients in the Las Vegas area to Dorothy without hesitation.”
Robert G.
“Dorothy Bunce is excellent at what she does; everything went seamlessly, and she made us feel very comfortable.”
Anonymous
“She’s a diamond in the rough.”
Robert K.
“She is a great person and a very knowledgeable lawyer.”
Anonymous
“I highly respect her and would recommend her.”
Adrienne H.
“Dorothy answered my question with knowledge.”
Eugene
“She is honest and fair in all dealings and will go out of her way to help you.”
James
“I will take the good job Dorothy does over any other attorney’s work any day.”
Rafel
“I endorse this lawyer. She is very informed, very experienced, and very wise.”
David K.
“Very compassionate woman, which is extremely helpful in a lawyer.”
Heather
“I am not used to having a lawyer treat me with this level of respect and showing me that she knew I was smart enough to make my own decision.”
Gary
“I have worked with many lawyers in my profession; by far, Dorothy was the best.”
HVU
“Dorothy made this process so much easier and gave us peace of mind to get through it.”
Jared
“Ms. Bunce is an excellent legal champion for her clients. I endorse this lawyer.”
Anne-Marie B.
“Dorothy was trustworthy, knowledgeable, and responsive to my calls and emails.”
Manuel
“I would refer any prospective clients in the Las Vegas area to Dorothy without hesitation.”
Robert G.
“Dorothy Bunce is excellent at what she does; everything went seamlessly, and she made us feel very comfortable.”
Anonymous.
Why Choose A Fresh Start Law?
- Over 35 years of experience helping people and families start fresh!
- We offer complimentary consultations to help you determine the best course of action.
- We create a plan tailored to your unique financial situation.
- We walk you through the process and ensure you leave feeling set up for success!
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