Law Office of Erik Severino

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Bankruptcy Law Attorneys, Attorneys, Bankruptcy Services

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(702) 370-0155Visit WebsiteMap & Directions7251 W Lake Mead Blvd Ste 300Las Vegas, NV 89128 Write a Review

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Law Office of Erik Severino

Child Support
But if the debtor has no nonexempt assets, the trustee is required to file a “no-asset” report with the court. The creditors do not have to file their claims since there is nothing for them to recover. Once the bankruptcy judge confirms the no-asset report, the debtor is typically discharged from any further obligation to pay most of his or her unsecured creditors. (Some debts are not legally eligible for bankruptcy discharge, such as child support obligations and certain types of student loans.)

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Places Near Las Vegas with Bankruptcy Law Attorneys

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Phone: (702) 997-4149

Phone: (702) 751-1842

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Law Offices Of Eric Severino

Severino Erik Attorney

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http://www.bankruptcyattorney-lasvegas.com

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Bankruptcy Law Attorneys, Attorneys, Bankruptcy Services, Child Custody Attorneys, DUI & DWI Attorneys, Family Law Attorneys, Foreclosure Services, Personal Injury Law Attorneys

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04/12/2016

Overall

Very professional and patient. Answered all my calls and emails promptly. He was always respectful to me. I feel that he is a great lawyer to have on your side. Thank you Erik

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Phone: (702) 370-0155

Address: 7251 W Lake Mead Blvd Ste 300, Las Vegas, NV 89128

Website: http://www.bankruptcyattorney-lasvegas.com

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Law Office of Erik Severino

Child Support
But if the debtor has no nonexempt assets, the trustee is required to file a “no-asset” report with the court. The creditors do not have to file their claims since there is nothing for them to recover. Once the bankruptcy judge confirms the no-asset report, the debtor is typically discharged from any further obligation to pay most of his or her unsecured creditors. (Some debts are not legally eligible for bankruptcy discharge, such as child support obligations and certain types of student loans.)
Spousal Support
Effectively paying on time. It is as straightforward as it sounds. Paying all bills punctually for whatever you need to operate your home; such as; rent and utilities to child support and alimony. If these aren’t paid it can end up on the credit report. Scheduling reminders about due dates with your phone can help be successful with this. The credit counseling classes that were required by the bankruptcy court will teach some values regarding budgeting your money. One of the key purposes of a budget is to fully understand all of your expenses. You do not want to get in another financial hole.

DUI/DWI
Some debts cannot be discharged through chapter 7, including any credit or money obtained through fraudulent means. Also ineligible for discharge are student loans, child support, alimony, cash advances obtained within 70 days of filing, and any luxury goods or services purchased within 90 days of filing. Certain fines or penalties owed to government agencies cannot be discharged, and some tax debts are also ineligible. A skilled bankruptcy attorney will be able to give you guidance on the tax stipulations. Further, any restitution due for DUI convictions cannot be discharged through chapter 7.

Personal Injury
The final step of chapter 13 is the discharge, or erasure, of most remaining debts. Generally long-term debts cannot be discharged through chapter 13, such as mortgage, child support, student loans, or restitution owed for personal injury or death caused by DUI. The discharge rules for chapter 13 have recently undergone revision, and are more complex than the chapter 7 statutes.

Bankruptcy
You will want to begin researching bankruptcy. There are many different types of bankruptcy that can be filed in the United States, most commonly Chapter 7 Bankruptcy and Chapter 13 Bankruptcy, and you will need to have a solid understanding of all of them in order to know which is right for you. Be sure to pay attention to any rules or requirements that are enforced by your state of residence, as these may impact the bankruptcy proceedings. Once you have a basic understanding of bankruptcy as a whole, you will want to book a free consultation with a certified bankruptcy attorney or seek out the advice of a financial advisor. This person can look at your situation objectively and determine if bankruptcy is a good choice for you and, if so, what type of bankruptcy will be most beneficial to both you and your creditors. Your current financial status, the state of your residence, and the type of bankruptcy you are filing for will all greatly impact how the procedure will work, how long it will take, and how long it will remain on your credit. Make sure you fully understand all the implications that go along with filing and that you are ready and willing to take responsibility for them.
Foreclosure
The biggest advantage of chapter 13 is that it can prevent foreclosure and loss of home. The debtor continues to earn a regular paycheck and is able to eliminate some debts (medical bills, credit card debt) while getting caught up with past due mortgage payments. Debtors may still lose their home, however, if their mortgage company completes a foreclosure sale before the debtor’s bankruptcy petition is filed, or if the debtor does not make the mortgage payments which fall due after the petition date. Another advantage of chapter 13 is that it protects co-signers and prevents debtors from having to deal personally with their creditors.

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