I have been doing bankruptcy cases for 38 years. Without exception, all of my clients have obtained a complete discharge of their bankruptcy petition (Chapter 7). Only a few in Chapter 13 cases have not been completed due to non-payment of the plan.

Chapter 7 bankruptcy is a complete discharge of all assets and liabilities. My clients pay me (reasonable fee) and the court costs, and after the correct amount of time has passed all of my clients receive a full discharge.

Chapter 13 is a bankruptcy case wherein the client pays money to the trustee in bankruptcy and pays their debts through a payment plan over a minimum of 3 to a maximum of 5 years. The secured creditors (up to the value of the security) get paid (in payments) 100% on the dollar, and the unsecured may get paid 100% or less over a period of time.

The foreclosure of houses in Nevada leads all of the 50 states. Under certain circumstances, there is a way to completely eliminate 2nd and 3rd mortgages. I love to file bankruptcy. My clients are put into the driver's seat and are no longer the victims of bill harassing bill collectors. Bankruptcy puts an end to this kind of chaos and madness. I do all the work myself, you deal with me, not a paralegal. I go to the hearings with you. Call me for a free appointment.