Affordable Bankruptcy Lawyer Las Vegas, NV
Affordable Bankruptcy Lawyer Las Vegas, NV
Do I Need an Attorney to File for Bankruptcy?
If you’re struggling to make ends meet and pay down your debt at the same time, you may be thinking about filing for bankruptcy. You’re not alone. If the Great Recession of 2008 taught Americans anything, it is that nearly all of us are one or two significant life events (a death in the family, a tough medical diagnosis, job loss, a downturn in the economy, etc.) away from financial crisis. Even the most fiscally responsible and hard-working residents of Nevada and the U.S. as a whole are not immune to financial vulnerability through no fault of their own.
Thankfully, bankruptcy provides a means to a fresh financial start. “But how can I file for bankruptcy,” you may be asking, “When I can’t even afford to put gas in my car? Aren’t legal fees expensive?” These are excellent questions and ones that you’ve likely worried over as your financial situation has worsened. Take heart though, because there are affordable bankruptcy lawyers in Las Vegas, NV. No matter what your financial situation looks like, the experienced team at Fair Fee Legal Services is here to help. We work with our clients to ensure that they can get the experienced legal guidance and support they need throughout the bankruptcy process, even when our clients feel as if they “don’t have two nickels to rub together.” For example, our Las Vegas, NV affordable bankruptcy lawyer team offers free consultations and a no money down approach to filing for those who qualify. Don’t let anxiety about the cost of legal fees keep you from exploring the bankruptcy process… especially when filing for bankruptcy can save you so much money in the long-run.
Is Working with a Lawyer Really Better than Trying to File on My Own?
If you don’t earn much income and you don’t own much valuable property, you may be eligible to file for Chapter 7 bankruptcy. This form of bankruptcy allows the Court to eliminate certain debts outright. If you aren’t eligible to file for Chapter 7 bankruptcy, you’ll need to reorganize your debt under Chapter 13 bankruptcy and repay a portion of that debt over 3-5 years. While you can technically file for Chapter 7 bankruptcy on your own, it is a complex process. So much is at stake that it makes good sense to work with a Las Vegas, NV affordable bankruptcy lawyer instead of risking the outcome of your case by going it alone. If you’re filing for Chapter 13 bankruptcy, you will need to work with a lawyer as this process is too complex to attempt solo.
Legal Assistance Is Available
If filing for bankruptcy may be a good option for you, don’t wait to connect with a Las Vegas, NV affordable bankruptcy lawyer at our firm. The longer you wait to explore your options, the harder it will be to “dig out” from the mountain of debt you may be struggling to scale. Know that our firm has helped every kind of filer, from those who were financially stable until recently to those who have been struggling for a long time. We’ve even aided those whose financial situations have been impacted by accidents for which they have been found to be at-fault. No matter what your situation may be, we can help.
The aftermath of a serious car accident can be emotionally draining and physically painful. If you’ve recently been involved in a car accident, you may also be experiencing financial hardship resulting from injury and/or property damage. To add salt to your wounds, you may have been deemed at least partially responsible for the collision. You may be experiencing or anticipating an increase in your insurance rates as a result, and could be paying restitution for the other driver if they sued you for damages and losses. With all of these challenges impacting your life, you might be wondering whether filing for bankruptcy can help you to regain solid financial footing. The affordable Las Vegas, Nevada bankruptcy lawyer team at Fair Fee Legal Services can help to advise you of your options so that you can make an informed decision about your situation moving forward.
Exceptions To Debt Discharges
Typically, debts accumulated due to a car crash are dischargeable during the bankruptcy process. However, there are a couple factors that may disqualify you from having these debts eradicated:
You Were Drunk at The Time of the Crash
The first exception to having car accident debts eradicated through bankruptcy is if you were drunk at the time of the crash. The officer may have ran a field sobriety test, ran a blood or urine sample at the station, and determined that you were under the influence of alcohol. This means that you may have been financially obligated to pay restitution, court fees, bodily injury to the other driver, and criminal fines. Thus, these costs are not dischargeable if you file for bankruptcy.
Your Driving was Willful or Malicious
The second exception is if the accident was caused due to your malicious or willful driving behavior while on the road. Every driver has a duty to others on the road to operate their vehicle with a certain degree of care. If it was decided that you had been particularly reckless when the crash occurred, then any debts related to this incident are likely to not be dismissed.
Bankruptcy is a complex process riddled with exceptions to general rules. As a result, it is a good idea to speak with an affordable Las Vegas, NV bankruptcy lawyer about your situation before making any assumptions about your case.
Filing for Bankruptcy
ting with an affordable Las Vegas, Nevada bankruptcy lawyer, you may be advised to apply for Chapter 7 or Chapter 13 bankruptcy. If you are over your head with bills and fines for the accident and are unable to pay them, then filing for bankruptcy may be in your best interest. While your debts may or may not be dischargeable under Chapter 7 bankruptcy, you can restructure these debts back through Chapter 13 bankruptcy to make them more manageable. This means that you would pay your debts on a recurring basis based on your income over the course of 3-5 years before the remainder of your eligible debts would be discharged.
Anyone who is struggling with their finances after being blamed for a car accident is strongly advised to consult with an affordable bankruptcy lawyer Las Vegas, NV residents recommend who can advise them of their options and help them protect their interests.
