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Do you often find yourself in a financial crisis, not able to pay for simple things like your home mortgage or car payment? Are you unemployed or under employed and worried about how you’re going to make ends meet? Do you have a family to care for or a business to run and no idea…
Bankruptcy is a big step, even if you’re having difficulty paying off debts. It stays on your credit report for seven years and can impact your ability to get a mortgage, apartment rental, car loan, or even a full-time job. If you have debts but don’t want to declare bankruptcy, there are several other options…
Although people file for Chapter 7 bankruptcy everyday, many still have misconceptions and questions about what will happen to them if they file. With so much uncertainty in unclear financial situations, one of the most common questions people ask is: Will I lose all of my property if I file for Chapter 7 bankruptcy? Generally,…
When your debt is discharged, the amount of money owed is essentially wiped away, relieving you of your obligation to pay. But when filing for Chapter 7 bankruptcy, it’s important to know that not every type of debt is discharged. Read ahead and find out which obligations Chapter 7 leaves you with, even after declaring…
Filing for bankruptcy is no joking matter and is arguably one of the biggest financial decisions you may ever make. While it can alleviate your debt and get creditors off your back, it also deeply impacts your credit for up to a decade. But deciding not to file for bankruptcy can cause more debt to…
Many people know about bankruptcy, but are unsure of the specific terms and definitions that go along with filing for bankruptcy. Well, we’re here to help clear the air. Here are some of the most commonly asked questions regarding bankruptcy, hopefully giving you a better understanding of the bankruptcy process: What is Bankruptcy? Bankruptcy is…
With the average cost of filing for Chapter 7 bankruptcy protection costing more than $1,500, an estimated 200,000 to 1 million consumers are not financially able to file for bankruptcy each year. Another 200,000 people are expected to use their tax refunds to cover the costs of filing for the most common form of bankruptcy…
According to the United States Courts, “by filing under [Chapter 13 bankruptcy], individuals can stop foreclosure proceedings and may cure delinquent mortgage payments over time.” By law, all actions against you must cease once a Chapter 13 personal bankruptcy has been filed. Creditors cannot start or continue any lawsuits or wage garnishments and must even discontinue telephone calls…
Need a bankruptcy lawyer in Las Vegas? At Deluca & Associates we are here to assist you during this difficult time. Understanding the different types of bankruptcy is the first step towards filing and moving on with your life. So what are the differences among Chapter 7, Chapter 11 and Chapter 13 bankruptcies? Chapter 7…
Are you considering filing for bankruptcy but don’t know where to begin the arduous process of declaring Chapter 7 or 13? At DeLuca & Associates, our goal is to provide clients with all of the information necessary to help them move on from their monetary issues and start life anew, free from their previous financial…
Before filing a petition for either Chapter 7 or Chapter 13 bankruptcy in Nevada, you, as a debtor, have to go through a credit counseling course. Also, you have to arrange your bankruptcy forms and petitions. After filing a request to declare bankruptcy in the bankruptcy court, you have to experience a debtor education course. This course is essential…
A lawyer’s blog is often their most prized possession. It gives them the opportunity to say whatever they’d like in an open forum where their thoughts and opinions aren’t judged, and they get to come back every week and write more. But as you spill your heart into every blog post, you realize that no…