Top-Rated Las Vegas Bankruptcy Attorney

Helping Nevadans reclaim their financial freedom through bankruptcy since 2001.

Contact the Most Experienced Bankruptcy Attorney in Las Vegas

Top-ranked Las Vegas bankruptcy attorney Anthony DeLuca can help you fight back against creditors and mounting debt. Call now to schedule your free consultation.

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Chapter 7 Bankruptcy Attorney

Chapter 7 liquidates your assets and gives you a complete restart.

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Chapter 13 Bankruptcy Attorney

Chapter 13 gives you a structured repayment plan and alleviates pressure.

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About Anthony DeLuca

Discover what makes Anthony DeLuca one of the top-rated bankruptcy attorneys in Las Vegas.

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Your Path to Financial Freedom Starts Here

Since 2001, DeLuca & Associates has helped tens of thousands of Nevadans find relief from debt through bankruptcy. We understand the tremendous pressure that creditors and mounting debt put on you, and that filing for bankruptcy is a personal decision to reclaim your life.

Whether you’re facing foreclosure in Summerlin, wage garnishment at a Strip property, or mounting medical bills, we provide personalized solutions and guidance to Las Vegas residents.

BANKRUPTCY MAY
ELIMINATE

  • CREDIT CARD BILLS
  • MEDICAL BILLS
  • FORECLOSURE PROCESS
  • WAGE GARNISHMENT
  • CREDITOR HARASSMENT

BANKRUPTCY MAY
PROTECT

  • YOUR HOME
  • YOUR CAR
  • YOUR WAGES
  • YOUR FURNITURE
  • YOUR ASSETS

Our Step-by-Step Bankruptcy Process

1
Your Free Consultation

Meet with bankruptcy attorney Anthony DeLuca or one of our associates (either in-office or virtually) to review your income, assets, and debts to decide whether Chapter 7 or Chapter 13 is your best option.

2
Mandatory Pre-Filing Credit Counseling

You will have to take a brief course from a U.S. Trustee-approved agency in Nevada within the required 180 days before filing. We’ll give you a list of reliable providers.

3
The Filing & The Automatic Stay

Once your petition is filed, the Automatic Stay begins. This immediately stops all Las Vegas lawsuits, garnishments, and creditor phone calls.

4
Trustee Review (The 7-Day Rule)

At least 7 days before your meeting, your most recent tax returns are provided to the Bankruptcy Trustee so they can review them.

5
The 341 Meeting of Creditors

The 341 meeting is usually scheduled 20 to 40 days after filing for bankruptcy. Most meetings are now conducted virtually via Zoom, but are still held under oath. We’ll be by your side, and the meeting usually lasts less than 10 minutes.

The 24-Month Roadmap to 700 Life After Discharge in Nevada

Our goal as a Las Vegas bankruptcy law firm is to make sure that you’re creditworthy. Use this guide to climb back to a 700 score

Timeline
Action Step
Goal
Month 1
Audit Your Report

Check that all of your debts are marked “Discharged” with a $0 balance.

Month 2
The Secured Tool

Open a secured credit card. A $200 deposit is usually all you need, and you can start rebuilding your credit score.

Months 3 to 6
The Micro-Charge

Put a small, recurring Las Vegas utility bill on the card. Keep usage under 10% and pay in full every month.

Month 12
Credit Mix

Apply for a “Credit Builder Loan” or standard unsecured card. Scores usually rise by roughly 90 points by the one-year mark.

Month 24
The 700 Milestone

Make 24 months of on-time payments, and you should find yourself in the 700+ range, making you eligible for standard auto loans and home mortgages.

The DeLuca Rules for Rebuilding After Bankruptcy

Zero Late Payments

Don’t be late on any payments. Just one 30-day late payment post-discharge can set your score back by 12 months.

Monitor for Free

Check your reports quarterly using AnnualCreditReport.com.

Patience & Discipline

Follow the map, pay your charges monthly, and keep a close eye on your credit report, and you’ll hit the 700-mark faster than you might think.

Nevada Bankruptcy Exemptions

Filing for bankruptcy in Nevada doesn’t mean losing everything. The state offers “exemptions” that let you keep your property. As experienced Las Vegas bankruptcy attorneys, we know how to maximize these protections:

The Homestead Exemption ($605,000)

You can protect up to $605,000 in equity in your primary residence. Important Tip: You have to record a Declaration of Homestead with your Clark County Recorder before filing.

Motor Vehicle Exemption ($15,000)

Protect up to $15,000 in vehicle equity ($30,000 for married couples).

The “Wildcard” Exemption ($10,000)

A $10,000 “catch-all” per person for cash, tax refunds, or other personal property.

Household Goods & Personal Property

Generally keep $12,000 in furniture/appliances and $5,000 in jewelry/art.

Retirement & Wages

Most 401(k)s and IRAs are fully protected. Nevada law also protects 75% to 82% of disposable weekly earnings from garnishment, depending on how much you earn per week.

Important Nevada Bankruptcy Details

  • The 730-Day Rule: You have to have lived in Nevada for at least two years before filing to use these exemptions.
  • The Homestead Declaration: The $605,000 protection is not automatic. You have to record a physical document with the Clark County Recorder’s Office before filing.
  • The Means Test: Eligibility for Chapter 7 in Las Vegas is based on the Median Income for Nevada.

Chapter 7 vs. Chapter 13: Which is Right for You?

Feature
Chapter 7 (Liquidation)
Chapter 13 (Reorganization)
Core Purpose
A ‘Fresh Start’ by wiping out unsecured debt in 90 to 120 days.

A ‘Reorganization’ to keep assets by paying back debt over a 3 to 5-year plan.

Homestead Protection
Protects up to $605,000 in equity (requires a recorded Declaration).

You keep the home, and you can pay the ‘excess’ equity to creditors over time.

Stopping Foreclosure
Only a temporary ‘Stay’.

Permanent solution to ‘cure’ mortgage arrears over the plan.

Vehicle Protection
Up to $15,000 in equity.

Keep your car regardless of equity. Can ‘cram down’ high-interest car loans.

Court Location
Foley Federal Building, Las Vegas, NV.

Foley Federal Building, Las Vegas, NV.

The DeLuca Rules for Rebuilding After Bankruptcy

Proven Local Expertise

We help clients take full advantage of the $605,000 Homestead Exemption.

Immediate Protection

The moment you hire us, the ‘Automatic Stay’ is triggered to stop creditor harassment, foreclosure, and wage garnishments.

A Path to Recovery

We’ll give you the guidance to get your credit score moving back toward 700+ within 12 to 24 months.

Don’t wait until a creditor takes action against your paycheck or property. Call us today at (702) 252-4673 to speak with a Las Vegas bankruptcy attorney. Your consultation is 100% free, confidential, and the first step toward financial freedom.

DeLuca & Associates Bankruptcy FAQs

Not in most cases. Under the Nevada Homestead Exemption, you can protect up to $605,000 in equity in your primary residence. That said, you have to record a Declaration of Homestead with the Clark County Recorder’s Office before your filing date. Our team handles this verification as part of your initial filing process.

Wage garnishment stops immediately. As soon as we file your case, the court issues an ‘Automatic Stay’. Nevada lets creditors garnish up to 25% of your take-home pay, depending on your income level, so this is one of the fastest ways to stabilize your situation.

Yes, in most cases. Nevada law provides a $15,000 vehicle equity exemption per person ($30,000 for married couples). Since most cars have less than $15,000 in actual equity (equity is the vehicle’s value minus what you owe), most clients keep their cars.

Nevada gives residents a unique $10,000 Wildcard Exemption per person. This is a ‘catch-all’ exemption that can be applied to any personal property that isn’t covered by other categories, like cash in your bank account, a tax refund, or a second vehicle.

No. In Nevada, one spouse can file individually without the other. However, because Nevada is a community property state, your spouse’s income still counts toward the ‘Means Test’ to determine your eligibility. We can review your household budget to see which filing strategy offers the most protection.

Most clients see a significant credit score increase within 12 to 24 months of their discharge. While the bankruptcy remains on your report, removing the ‘debt-to-income’ burden usually helps your score rebound faster than if you continued to struggle with unpaid bills.

The best answer here is ‘maybe’. Most student loans are notoriously difficult to discharge, but certain income tax debts that are more than three years old may be eligible for discharge under Chapter 7. During your free evaluation, we will review your tax transcripts to see if your IRS or Nevada Department of Taxation debt can be eliminated.

Unless your employer is a creditor (meaning you owe them money), they’re not usually notified of your filing. While bankruptcy is a matter of public record, it is rarely ‘news’ that neighbors would stumble upon.

Chapter 7 is a ‘fresh start’ that wipes out unsecured debt (credit cards, medical bills) in about 4 to 6 months. Chapter 13 is a 3-to-5-year repayment plan often used by Las Vegas homeowners to stop foreclosure or by those who earn too much to qualify for Chapter 7.

Fees vary based on the complexity of your case and which Chapter you file. At DeLuca & Associates, we offer flexible payment plans and ‘no money down’ options for qualified Chapter 13 cases, so that legal help is accessible even when your budget is tight.

Get a Free Bankruptcy Consultation

Set up your free consultation with Attorney Anthony DeLuca or one of his associates to go over your Las Vegas bankruptcy.

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