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According to the United States Courts, “by filing under [Chapter 13 bankruptcy], individuals can stop foreclosure proceedings and may cure delinquent mortgage payments over time.” By law, all actions against you must cease once a Chapter 13 personal bankruptcy has been filed. Creditors cannot start or continue any lawsuits or wage garnishments and must even discontinue telephone calls…
Need a bankruptcy lawyer in Las Vegas? At Deluca & Associates we are here to assist you during this difficult time. Understanding the different types of bankruptcy is the first step towards filing and moving on with your life. So what are the differences among Chapter 7, Chapter 11 and Chapter 13 bankruptcies? Chapter 7…
Are you considering filing for bankruptcy but don’t know where to begin the arduous process of declaring Chapter 7 or 13? At DeLuca & Associates, our goal is to provide clients with all of the information necessary to help them move on from their monetary issues and start life anew, free from their previous financial…
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…
A lawyer’s blog is often their most prized possession. It gives them the opportunity to say whatever they’d like in an open forum where their thoughts and opinions aren’t judged, and they get to come back every week and write more. But as you spill your heart into every blog post, you realize that no…
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…
Chapter 13 bankruptcy is a type of bankruptcy for Nevada consumers who have enough income to pay off some of their debts over a period of time. Unlike Chapter 7, you won’t be able to cancel all your debts, but you also won’t lose your property. This form of bankruptcy is best for those who…
Bankruptcy is your last resort when it becomes increasingly difficult to pay for even the basic amenities such as medical expenses and credit card bills. Your credit rating might go for a toss but you are not alone in this turmoil. Numerous people have filed for bankruptcy in the past few years. It will definitely…
Since the 90’s, Las Vegas rode high on almost 15 years of unbelievable profits and growth. Each year was better than the next, and the rapid expansion could hardly keep pace with the country’s seemingly unending hunger for more hotels, more casinos, more everything. In 2007, over 39 million people visited Vegas, an all-time high….