You can determine your eligibility for Chapter 7 bankruptcy in Nevada by taking the state’s bankruptcy means test, established by the state’s 2005 Bankruptcy Abuse Prevention and Consumer Protection Act. The test is intended to determine if bankruptcy petitioners have the means to discharge some of their debts through Chapter 13 bankruptcy.

It uses your income, expenses, and the size of your family to calculate whether you have enough disposable income to pay your creditors. However, even if you don’t pass the test, that doesn’t mean you’re disqualified. To know for sure, call now to schedule a consultation with our Las Vegas bankruptcy lawyer.

If you’re unable to get the original creditor to fix its inaccurate submission to your credit report, you have the right to file a complaint. The Resolve Law Group legal team can draft a legal complaint against the Credit Reporting Agency (CRA) and file it following the Fair Credit Reporting Act (FCRA)’s provisions.

We can also investigate the initial debt and determine if it was legitimate, whether you settled it, and whether it was incorrectly reported.Our credit lawyer offers personalized advice for improving your credit score and finances based on your current situation and goals.

If legal actions have begun against you, we’re here to help. If you’ve received notice that you’re being sued for a debt, you have the right to legal representation. Your initial debt may have been sold to a debt collection agency that charges excessive fees and exorbitant interest on top of the initial debt. Our collections lawyer can negotiate a settlement for much less than the initial amount or work out a payment arrangement on your behalf.

If you have had a judgment made against you or had your wages garnished, our attorneys may still be able to mitigate this. We may petition the judge to set aside the judgment or ask for more time to contest it if you weren’t aware of the legal action taken against you. Each case is different, reach out to our office today for tailored legal guidance.

There are bankruptcy exemptions that allow you to keep necessary property, like your vehicle. Often, the exemption is allowed so that you can continue going to work. Federal bankruptcy exemptions are unavailable in California, so you and your Chapter 7 bankruptcy lawyer will need to take advantage of the state exemptions to protect as much of your assets as possible.

In general, when you file Chapter 7 in California, you should be able to keep your house, primary vehicle, retirement and pension benefits, and much of your non-luxury personal property. Working with our bankruptcy lawyer may help you retain more of your property and money while still being protected by Chapter 7 provisions.

Our consumer protection lawyer can help you advocate for your rights, even if the product or service you spent money on is fraudulent. If the perpetrator is located in California, then there’s a chance you could file a lawsuit against them to recoup your losses. Our legal team can gather evidence of the deceptive practices to build your claim.

However, some professional scammers may live in a foreign country. In these cases, we advise you to turn over all evidence you collected to the proper federal authorities to investigate.