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Have you already filed for bankruptcy once, but have fallen on hard times and are looking to file again? Before you contact a Nevada bankruptcy attorney, it is important to understand when and if you are eligible to file bankruptcy again. How often can you file for bankruptcy? Most people are surprised to learn there…
Are you considering filing for Chapter 7 bankruptcy? Before doing so, make sure you pass the bankruptcy means test, which is designed to ensure that only those individuals who truly cannot pay their debts file for bankruptcy. The bankruptcy means testing determines whether or not your monthly income is too high to qualify for bankruptcy….
At Deluca and Associates we understand that the decision to file for bankruptcy is not an easy choice. Working with an experienced chapter 7 bankruptcy attorney will help make the process easier, however there’s still a lot of up-front questions that require answers. One such question is “How long will this take?” While no two bankruptcy…
Bankruptcy stays on your credit report for seven years after you file, which is a fact that can impact both how likely you are to get a loan and the interest rate you’ll get. Most people assume that you have essentially no chance of getting a good car loan after Chapter 7 bankruptcy, but this…
When it comes to filing bankruptcy, many people elect to represent themselves because they cannot afford the attorney fees or they have simple cases and don’t feel the need to pay for expert help. While it is definitely possible to file without the assistance of a chapter 7 bankruptcy lawyer, it is not always the…
Are you facing financial issues and thinking about hiring a chapter 7 bankruptcy lawyer in Las Vegas, but are concerned doing so will affect your retirement funds? At DeLuca and Associates we understand your fears. Although there are exceptions, generally retirement savings are not in danger if you file for bankruptcy. What Creditors Can’t Do…
Declaring bankruptcy is never an easy thing, however it’s the first step towards rebuilding your finances and credit. At Deluca and Associates we are trained chapter 13 and chapter 7 bankruptcy lawyers that can help you during this difficult time and take the first necessary steps towards resolving debt. Check out a few tips for…
It is a common misconception that student loan debt is not susceptible to bankruptcy. The truth is that student loans, whether federally or privately held, can be discharged by filing for bankruptcy. The key to discharging debt that you owe for your education is proving that the debt causes you an undue hardship. While “undue…
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…