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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…
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…
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…
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…
Las Vegas is one of the most populated cities in the United States. Located in the State of Nevada, Las Vegas is renowned worldwide. Primarily famous for gambling, the city is also particularly known for lavish hotels, exquisite resorts, and incredible shopping malls. You can opt for fine dining, branded products, and 24/7 entertainment at…
Bankruptcy law prevents collection calls and all other forms of debt-collection attempts once a case has been filed. The injunction, called the automatic stay, prohibits further actions from debt collectors including phone calls, lawsuits, letters and all other forms of communication. All contact is strictly prohibited, and most creditors oblige, resulting in immediate relief from…
Chapter 7 is the simplest form of bankruptcy in which a debtor asks the court to cancel their debts because of their inability to pay. Under this type of bankruptcy, the debtor may have to surrender some property, but does not have to surrender all property. In most cases, the defendant can keep property that…
After the global recession in 2008, many firms have downsized and many firms as well as individuals have gone bankrupt due to the financial crunch. There are still many people who are trapped in the claws of the crunch and have been unable to recover from it. If you have come to a point where…