Bankruptcy Results
Mr. and Mrs. H eliminated nearly $20,000 in credit card debt and a court judgment for $40,000. Unfortunately, the court judgment had been recorded and became a lien, affecting the title to their home. However, their attorney, Dorothy at A Fresh Start Law, filed a legal action in their Chapter 7 bankruptcy and removed this lien.
Lori always felt overwhelmed by her debts. She couldn’t even bring herself to prepare her tax returns because it was just too stressful. Lori also resented paying real estate taxes and her HOA. So when her HOA scheduled a foreclosure sale against her paid-for home, Lori contacted A Fresh Start Law. Her attorney devised a strategy to repay her HOA the $4,000 she owed and all her back taxes by making easy monthly payments in a Chapter 13 Bankruptcy. Lori also avoided paying most of the tax penalties that would have cost her over $30,000. Lori learned to delegate her stress to her accountant instead of trying to do things that overwhelm her.
Shari is raising 3 children with no help. Although she had an excellent government job, after paying her necessary living expenses, she had only $46 left to pay her debts. Between medical bills and credit cards, Shari owed nearly $69,000. After hiring A Fresh Start Law, her attorney found sufficient deductions so that Shari could pass the Means Test, which is required to file a Chapter 7 bankruptcy. Shari eliminated all her debts through a Chapter 7 bankruptcy.
Mary earns a high salary as a traveling nurse. But her husband and his daughter are disabled, and Mary also supports her elderly parents. As a result, Mary’s ordinary expenses were nearly $500 more each month than she earned. To get more money to pay these expenses, Mary stopped having taxes withheld from her pay. As a result, she owed back taxes of over $75,000. She also had other debts that totaled more than $35,000. Her attorney at A Fresh Start investigated the problem and discovered a little-known loophole that allowed Mary to discharge these debts in Chapter 7 bankruptcy.
Before moving to Las Vegas, Monique rented an apartment sight unseen, only to discover it was in a slum. In horror, Monique broke her lease and moved to a better neighborhood. The first landlord sued Monique for the entire 12-month term of the lease. Unfortunately, the lease on her new place was too expensive, so Monique moved again. Once more, a landlord sued Monique. If that wasn’t enough, Monique couldn’t make her car payments, and her car was repossessed.
Nevertheless, Monique believed she was lucky and that gambling winnings could help pay her expenses. After obtaining multiple payday loans, Monique learned about life in Las Vegas the hard way. She contacted A Fresh Start Law for help. By filing Chapter 7, Monique eliminated over $30,000 in debts, including both court judgments for the broken leases. Now, Monique is working to rebuild her credit using her attorney’s proven strategies.
Amber is a lady with a kind heart who once had perfect credit. But her husband took advantage of her. This smooth talker convinced her to buy him a Jeep Cherokee for $77,000, a motor home, and a Kawasaki motorcycle. It doesn’t take a fortune-teller to predict what happened next. Hubby took his toys and left Amber with bills she couldn’t pay. The staff at A Fresh Start Law explained the options to Amber, and she eliminated over $100,000 in debts in Chapter 7. The repo man took away hubby’s toys, and Amber sees things more clearly now.
Mike is an excellent auto mechanic and went looking for love south of the border. He married a lovely lady with a small child. Bringing his new Wife and stepchild to the US wasn’t easy or cheap. Mike sent her at least $800 every month for her living expenses. Mike also paid a substantial amount to bring his new family into the US legally. However, Mike couldn’t afford to keep paying for his credit cards, which totaled nearly $50,000. After getting advice from Attorney Dorothy at A Fresh Start Law, Mike eliminated all his debts in Chapter 7 bankruptcy. After his family reunited, Mike was able to buy a house because his Wife works hard and is good at managing money. Behind every successful man is a good woman!
Elizabeth spent many years working for celebrities. However, after a while, Elizabeth came to believe that their lifestyle was normal. She had nearly $200,000 in unsecured debts when she lost her job. After enduring many sleepless nights, Elizabeth consulted with the legal team at A Fresh Start Law and decided to file Chapter 7 bankruptcy. Now that her debts are gone, Elizabeth is developing her own successful business. Her loyal celebrity friends are helping her in any way they can. We love you, Elizabeth, and wish you all the best.
Demi came to A Fresh Start Law to file a Chapter 13 Bankruptcy a few days before a foreclosure sale was scheduled on her home. However, Demi hid the truth from her attorney, knowing that the lawyer didn’t have enough time to investigate Demi’s background. Demi thought she knew how to play games with the legal system, but this past returned to bite her. Demi’s misconduct included filing several previous Chapter 13 and Chapter 7 bankruptcy cases, which were substantially defective because she had not hired an attorney. Demi’s past also included filing several frivolous lawsuits without legal representation, claiming that she was entitled to get her mortgage debt canceled. Instead of working with A Fresh Start Law to investigate other options, Demi ghosted her lawyer. As a result, the court dismissed Demi’s case, and she lost her home. Unfortunately, Demi isn’t eligible for bankruptcy help in the future, even if her creditors try to garnish her pay. Sometimes, even the best lawyers can’t save someone from themselves.
Lisa worked for the same casino for over 10 years. After the pandemic, the casino where she worked (near her home) permanently closed. Lisa was reassigned to work at a sister property, but her commute increased by 45 minutes. When gas prices increased, Lisa had to pay $250 more each month for transportation. Adding to her problems, Lisa’s adult son moved back home after losing his job. The result was that Lisa’s financial situation changed from stable to one that required bankruptcy. She had medical and credit card debts of over $57,000. After discussing her options with attorney Dorothy at A Fresh Start Law, Lisa eliminated her debts in Chapter 7 bankruptcy. She is rebuilding her credit using her attorney’s program and is back on track.
Between medical debts and repossessed vehicles, Rebecca owed more than $140,000. With representation by A Fresh Start Law in Chapter 7 bankruptcy, she is now completely debt-free. Rebecca now has a new job that includes medical insurance, and she has a fresh start. It was a pleasure to work with her.
Debt Settlement Results
Robyn’s spouse died at UMC, leaving a bill of more than $60,000. Nevada law allows UMC to file a lien against the home of an individual who owes them for medical treatment. Unfortunately, UMC did this to Robyn, and he didn’t know about it because the hospital used his Wife’s work address to send out the bills, not her home address. The lien prevented Robyn from refinancing or selling the property without first paying UMC. However, the A Fresh Start Law team settled this debt for $3,000, a 95% discount. UMC also removed its lien.
William and Linda accumulated over $75,000 in debt. Unfortunately, William’s business failed, and he no longer had an income. However, Linda still earned a substantial salary, and the size of her income made filing a joint bankruptcy impossible. However, due to a little-known loophole, William qualified for bankruptcy without including Linda. Linda’s creditors could no longer look to her wages to collect her debts. As a result, the team at A Fresh Start Law settled Linda’s credit card bills with Bank of America for $23,240 for only $5,450, saving her 77% or $17,790.
Youn was involved in a car accident, but unfortunately, her vehicle insurance had lapsed. The other driver sustained an injury that cost more than $43,000. The insurance company for the other driver had the right to have DMV cancel Youn’s driver’s license unless she paid them. Fortunately, Youn retained Attorney Dorothy at A Fresh Start Law, and the attorney and her team settled this case for $11,000. Although Youn had to borrow this money from her family, she did not lose her driver’s license. She saved $31,000, or more than 70% of this obligation. Even so, Youn now understands she must never let her insurance expire again.
Tom and Flora could have filed for bankruptcy, but they are “old school” and didn’t want to do this. So, instead, they hired Attorney Dorothy of A Fresh Start Law to settle their credit debts. First, they settled a debt of just under $10,000 with Barclays Bank for $3,500, saving them 65%. Then, A Fresh Start settled their $14,173 credit card with American Airlines for $5,216, saving them $8,957.
Joel had a credit card debt with Capital 1 of $6,335. A Fresh Start Law settled this debt for $2,600, saving Joel $3,735, or nearly 60%.
Elmer had Federal Student Loans of $155,938.39. Before contacting A Fresh Start Law, his monthly student loan payment was $ 1,553. After reviewing his financial situation, A Fresh Start reduced his monthly student payments to $45.91, resulting in a 97% monthly savings of $1,507.
After the lender repossessed his car, Kurt hired A Fresh Start Law to settle the lender’s claim for a car deficiency of $5,134.88. Once A Fresh Start Law communicated with the creditor, the creditor agreed to stop all collection on this debt. Therefore, Kurt ended up owing nothing, obtaining 100% savings on this debt.
Citibank sued Kelly for a credit card debt of $8,470.65. However, after A Fresh Start negotiated with the opposing law firm, Kelly only had to pay $3,000, saving her 64% or $5,470.65 of the balance she owed.
Jasmine was involved in a motor vehicle accident without insurance, and unfortunately, she was to blame for causing it. The accident victim sustained damages of $26,654.78, and their insurance company threatened to take steps to suspend Jasmine’s driver’s license. A Fresh Start fully settled this claim for $7,500, saving Jasmine 72% of the damages they sought, or $19,154.78. And Jasmine was able to keep her license, but she will never let her insurance lapse again.
James hired A Fresh Start Law to settle his debts with American Express and Capital One for $9,851 and $6,581.98, respectively. A Fresh Start negotiated a settlement of 35% of the amount he owed on both accounts, saving him $10,682.
Albert was delinquent on his $19,178,15 Discover Card account. A Fresh Start Law negotiated an agreement lowering this debt to $6,000. Albert made a good-faith down payment of $4,000, followed by monthly payments of $500 over the next four months. By hiring A Fresh Start Law, Albert reduced his debt by 69% and saved $13,178.15.
After the lender repossessed his car, Damien owed them a deficiency of $22,656.14. By hiring A Fresh Start Law to settle this debt, Damien only paid $5,000 to the lender. So Damien saved 78% off of this debt, or $17,656,14.
Grace owed a local hospital $60,000+ for a medical bill when her insurance refused to pay for her surgery. However, a Fresh Start law found a legal loophole that prevented the hospital from continuing to collect this debt. As a result, Grace paid nothing for her medical debt, saving 100% or more than $60,000.
Austin owed US Bank $5,348.17 and Verizon Wireless $1,543.04. A Fresh Start negotiated a settlement of the US Bank debt for $2,674.08 and the Verizon bill for $620, saving him $3,597.13.
Courage owed $8,917.28 and $4,654.54 on two credit cards with Wells Fargo. A Fresh Start Law settled these debts for 40% of the original balance, saving her $8,143.09.
David had two lawsuits filed against him, totaling $4,628.38. A Fresh Start Law negotiated with the opposing Law Firm to settle these debts for 40%, saving him $2,778.38.
Natalie owed $1,719.06 on an apartment lease that she had not completed. A Fresh Start settled this debt for Natalie for 50% off.
A creditor sued Abiy for $11,312.90. A Fresh Start Law negotiated with his creditor’s attorney, who agreed to settle this claim for $4,000. Abiy saved $7,312.90 by hiring A Fresh Start.
John was sued for $5,855.93 in damages. A Fresh Start settled this lawsuit at 40% of the balance demanded, saving John over $3,500.
Capital One sued Gaylen for $40,593.93 on a credit card debt. Gaylen had tried to settle the debt himself. He sent the opposing law firm $16,000, only to find that while this payment reduced his original debt, it didn’t stop the lawsuit. Seeing that his attempts to negotiate with the law firm were going nowhere, Gaylen called A Fresh Start to help. Because Gaylen had already spoken to the opposing law firm, negotiations were problematic. Unfortunately, Gaylen revealed more about himself to the law firm than he should have. However, A Fresh Start ultimately settled the balance Galen owed by 50%, saving him $20,297.
Brandy contacted A Fresh Start after receiving a lawsuit demanding that he pay $43,990.76. A Fresh Start settled the debt for less than 30% of the balance, saving her $28,990.76.
Van called A Fresh Start after being served with two credit card lawsuits. She called the opposing lawyer on the first lawsuit firm herself. However, the creditor’s attorney persuaded Van to give them a lot of private information by scaring her. Unfortunately, Van was unsuccessful in settling these debts. A Fresh Start then stepped in and ultimately settled the first lawsuit of $4,233.42 for $2,900, or 68% of the debt balance. She saved $1,333.42 on this first lawsuit. However, A Fresh Start Law obtained much better results on her other account because she didn’t contact her creditor’s attorney. A Fresh Start negotiated a settlement of 40% of her $4,358.38 debt, saving her $2,615.03.
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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