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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…
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…