Areas We Serve
Your Bankruptcy Attorney in Whitney, NV for Clear, Trusted Guidance
Vohwinkel Law is a Bankruptcy Attorney in Whitney, NV guiding clients through Chapter 7 and Chapter 13 bankruptcy with integrity and care. We’re known for personalized legal support, affordable payment plans, and explanations that make sense when the stakes are high.
- Eliminate credit card and medical debt with professional guidance
- Stop wage garnishment and creditor harassment
- Begin with a no-pressure free consultation
- Work with a team that’s professional and knowledgeable
- Avoid surprises with full transparency and stress-free experience
If you’re dealing with overwhelming debt, we’ll help you navigate your legal options confidently and compassionately.
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What Our Clients Say About Us
Whitney Residents Deserve Better Than Assembly-Line Legal Help
Some firms treat bankruptcy like a numbers game, but not us. Vohwinkel Law gives you direct attorney access, clear answers, and pricing that’s upfront from day one. Our goal is to simplify a complex process so you can move forward feeling informed, supported, and in control.
Bankruptcy Filing in Whitney, NV Made Simple
Whether it’s a standard or emergency bankruptcy filing, our legal team makes the process approachable, guiding you through deadlines, documents, and discharge eligibility.
Eliminate Debt Fast with Chapter 7 Bankruptcy
We’ll help you figure out whether Chapter 7 bankruptcy is the right choice for your situation. It’s a fast way to wipe out unsecured debts and start fresh. Our goal is to make the process smooth and free of delays or complications.
Stop Foreclosure Before You Lose Your Home
Facing a looming foreclosure? Our legal strategies are designed to stop foreclosure in Nevada, preserve your home, and give you breathing room through bankruptcy protections.
Honest Debt Relief for Whitney Residents
As a debt relief lawyer in Las Vegas, we help Whitney clients explore credit counseling, bankruptcy, and other solutions. If you’re dealing with insolvency, you don’t have to face it alone.
Start with a Free Bankruptcy Consultation
Your free consultation is the first step. We’ll walk you through everything clearly and help you understand what to expect. You’ll get honest feedback with zero sales pressure.
Flexible Chapter 13 Repayment Plans
Need to keep your home or vehicle? We customize Chapter 13 repayment plans around your income, assets, and goals so you can repay on terms that work for you.
Our 3 Steps
How to Begin with Vohwinkel Law
STEP 01
Free Consultation
Review your finances and see if bankruptcy fits.
STEP 02
Legal Strategy
We develop a Chapter 7 or Chapter 13 plan that protects you.
STEP 03
File & Rebuild
We handle the paperwork while you move forward.
Personal Injury
Bankruptcy
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Small Business Bankruptcy
Loan Modification
Short Sale
Foreclosure Mediation
Foreclosure Protection
Find your answer
Bankruptcy Law Frequently Asked Questions
Got questions? You’re not alone. Read our most frequently asked questions below to get quick, clear answers about bankruptcy, your options, and what to expect.
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What is the difference between Chapter 7 and Chapter 13 bankruptcy?
“The main difference between Chapter 7 and Chapter 13 bankruptcy lies in how your debts are handled and your eligibility:
Chapter 7 Bankruptcy – ‘Liquidation’
What it does: Eliminates most unsecured debts (e.g., credit cards, medical bills).
How it works:
A court-appointed trustee may sell your non-exempt assets to pay creditors.
Most people keep essential assets due to exemptions.
Timeframe: Usually completed in 3 to 6 months.
Who qualifies:
Must pass the means test (income below your state’s median or not enough disposable income).
Impact:
Immediate relief from collection calls and lawsuits.
Stays on your credit report for 10 years.
Best for: People with low income and few assets who need a quick, fresh start.
Chapter 13 Bankruptcy – ‘Reorganization’
What it does: Allows you to keep your property and repay debts over time.
How it works:
You propose a 3- to 5-year repayment plan to the court.
You pay a portion of your debt based on your income.
Who qualifies:
Regular income required.
Debt limits (as of 2025): up to ~$2.75 million in total debts.
Impact:
Can stop foreclosure and let you catch up on mortgage payments.
Stays on your credit report for 7 years.
Best for: People with steady income who want to catch up on missed mortgage or car
payments and keep their property.”
— Rory Vohwinkel, Bankruptcy Attorney
How much does it cost to file for bankruptcy in Las Vegas?
We charge $1800 for an individual chapter 7 and $2000 for a joint chapter 7.
For Chapter 13, you pay $1000 down and then an additional $6500 is paid through the chapter 13 plan after it is filed, so it is part of your payments in the chapter 13 plan paid to the court.
The filing fees for chapter 7 are $338 and for chapter 13 they are $313. These fees are included in our fees, in addition to the cost of a credit report that we obtain for the clients. The only additional fees are $20 for each court required online credit counseling and financial management courses, one taken before the filing and one taken after the filing.”
— Rory Vohwinkel, Bankruptcy Attorney
Can I keep my house and car if I file for bankruptcy?
“If you are current on payments, you can keep your house and car in a chapter 7 case assuming you continue paying for them if they have a loan. There are exceptions to this however. If your equity exceeds the exemption limits then you may have an issue. Or if you have more than one vehicle (or two if married and filing jointly) you may have an issue because you only get an exemption for one vehicle (or two if married and filing jointly).
In a chapter 13 case, you can keep all your property.”
— Rory Vohwinkel, Bankruptcy Attorney
How long does the bankruptcy process take?
“Chapter 7 takes about 90 days from filing to completion.
Chapter 13 takes 3-5 years depending on the case.”
— Rory Vohwinkel, Bankruptcy Attorney
Will bankruptcy stop wage garnishment?
“Yes. But although it should happen right away due to the automatic stay protection that goes into effect upon the filing of the bankruptcy, in reality, it takes about a week after filing to stop the wage garnishment. This is because we have to notify the creditor, get them to release the garnishment, then get the release over to the constable to sign a release and then get those releases to the employee’s payroll department who has to stop the garnishment in their system. Sometimes, depending on the filing and the payroll dates, money garnished after the filing can be recovered from the creditor, but not always.”
— Rory Vohwinkel, Bankruptcy Attorney
Do I need an attorney to file for bankruptcy?
“No, you can file bankruptcy without a lawyer — this is called filing ‘pro se.’ But whether you should depends on your case’s complexity and the chapter you’re filing under.”
— Rory Vohwinkel, Bankruptcy Attorney
Whitney’s Go-To Bankruptcy Law Firm
When debt feels unmanageable, you need answers — not pressure. Vohwinkel Law helps Whitney residents file smart, protect their future, and move forward with clarity.
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