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The holiday season is an expensive time for everyone, and even more so if the year has already put a strain on your finances. Holiday expenses – like buying gifts, stocking the pantry for guests, and traveling across the country – are sure to mount up. Has overspending during the holidays caused you to dip…

When you are struggling financially, it is a good idea to review some facts and concerns regarding bankruptcy and why it might be a good idea for you to consider filing. While bankruptcy is not for everyone, it could be the right choice for you. To help you decide, review these interesting facts and FAQs…

Author: Nicole Bradley-Bernard When you have health insurance, you expect that it will protect you from any significant medical expenses and cover most of the required treatment if you ever become seriously ill. Unfortunately, a study conducted by Harvard Medical School found that having health insurance did not protect a large number of patients with…

If you’re already dealing with financial hardship, wage garnishment can make it much more difficult to pay your bills and get out of debt. However, you may be able to stop a creditor from garnishing your wages and even get some of the garnished wages back by filing for bankruptcy. Our Nevada bankruptcy attorney team…

Many look forward to their tax return every year as an opportunity to pay off a little debt or make necessary purchases. But what happens to your tax refund if you file for bankruptcy? While a bankruptcy trustee may require you to hand over your tax return, chapter 7 bankruptcy allows most people to claim…

If you are facing a lawsuit from a creditor or collections agency, there are three common responses: filing a timely answer to their complaint, negotiating a settlement before your answer is due, or filing for bankruptcy.  Whatever the case, you need to respond in some way or risk being hit with a default judgment by…

Times may be tough for many Americans, but the 2012 Report of Statistics Required by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 indicated fewer people filed for bankruptcy in 2012 than in 2011. While 1.1 million bankruptcy filings were reported in 2012, this is a 14 percent decrease from the previous year. Filings…

Many people dealing with financial problems have tons of questions regarding their economic situation going forward. One of the most popular questions asked is: will I be able to keep my car, truck or other motor vehicle if filing for Chapter 13 bankruptcy? People can generally keep their cars when they file for Chapter 13,…

Many people considering filing for bankruptcy worry that their credit will never recover. The truth is, you cannot only rebuild your credit after bankruptcy but also have an excellent score within a few years. If you’re looking for steps on how to repair credit score after bankruptcy, look no further. Read ahead to find out…

Have you already filed for bankruptcy once, but have fallen on hard times and are looking to file again? Before you contact a Nevada bankruptcy attorney, it is important to understand when and if you are eligible to file bankruptcy again. How often can you file for bankruptcy? Most people are surprised to learn there…

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…