Bankruptcy Attorney in Las Vegas, NV
Vohwinkel Law is a Bankruptcy Attorney in Las Vegas, Nevada that helps clients overcome overwhelming debt with fast, stress-free legal solutions. Elevate your experience with clear communication, affordable plans, and personalized guidance from an expert bankruptcy lawyer every step of the way.
- Ends overwhelming debt and home foreclosure
- Stops wage garnishment and creditor harassment
- Affordable bankruptcy attorney with free consultation
- Quick and efficient emergency bankruptcy filing
- Clear, caring legal support from start to finish
Bankruptcy Services
Las Vegas Bankruptcy Services Tailored to Your Needs
At Vohwinkel Law, we understand that each financial situation is unique. Our team offers personalized bankruptcy services in Las Vegas, ensuring that you receive the guidance and support necessary to navigate your financial challenges. With our professional and knowledgeable approach, we aim to provide a stress-free experience for all our clients.
Chapter 7 Bankruptcy
In Las Vegas and Los Angeles, the attorneys at Vohwinkel Law help consumers free themselves from the burden of overwhelming debt and start over with a clean slate through the help and protection afforded by a Chapter 7 bankruptcy proceeding.
Chapter 13 Bankruptcy
The Las Vegas Bankruptcy Lawyers at Vohwinkel Law, are well known for the spirit with which they represent their clients. Mr. Rory Vohwinkel and staff enjoy using Las Vegas Bankruptcy law to eliminate their clients’ debts and to help them get a “fresh start.”
Small Business Bankruptcy
As all small business owners know well, operating a business is not easy—especially in the current economic environment. Even the best of companies can run into significant financial problems. Solutions are available. Through the business bankruptcy process, a financially distressed company can restructure its debts and financial obligations.
Loan Modification
A loan modification is a mutual and voluntary agreement between you and your lender to change the terms of your loan. Loan modification allows homeowners and lenders to change the terms of a loan, like the interest rate and the monthly payment…
Short Sale
A short sale may be right for you if you are unable to make your mortgage payments due to financial hardship, are facing foreclosure, or are unable to sell your home for its mortgage value due to market conditions. We will negotiate with your lender(s) to allow a sale of your property at an amount less than what is owed on the mortgage(s).
Foreclosure Mediation
Effective january 1, 2015, the federal bankruptcy courts in las vegas, nevada, now offer a mortgage modification mediation (mmm) program. Our office in las vegas is now ready to assist clients with this new process. This process stops the foreclosure process and gives you an opportunity to keep your home.
Foreclosure Protection
If you own your own home, you know there are consequences to defaulting on your mortgage. Your lender can use the foreclosure process to petition the court to become the new owner of your home and force you out of your own property. What’s more, if your mortgage debt is more than what your home is worth, you could be stuck with a bill for the difference after your foreclosure is completed.
Bankruptcy For Spouses
Las Vegas residents burdened by debt may benefit from Chapter 7 or 13 bankruptcy. While couples often share finances, only one spouse may need to file. The law allows for individual or joint filings, but it’s important to understand the implications. Vohwinkel Law offers free, confidential consultations to help you choose the best path forward.
Exempt Property
Nevada has opted out of federal bankruptcy exemptions, relying instead on its own state-specific laws. This makes it crucial to work with an attorney experienced in Nevada bankruptcies, as rules from other states may not apply. While federal bankruptcy exemptions aren’t available, certain federal protections—like for survivor benefits and retirement accounts—still apply. Married couples filing jointly can also double their state exemptions for jointly owned property.
Student Loan Debt
If you’re considering bankruptcy in Las Vegas to escape overwhelming debt, you’re not alone—many Nevadans have used it for a fresh start. While most debts can be discharged, student loans usually remain even after bankruptcy. However, in certain cases, the court may allow them to be discharged. To understand how your student loans may be impacted, consult the experienced bankruptcy attorneys at Vohwinkel Law.
Wild Card Exemption
In Nevada, the wildcard exemption allows you to protect property that wouldn’t normally be exempt during bankruptcy, making it a key tool for safeguarding your assets. While some belongings—like your home, car, or work tools—are protected up to certain limits, the wildcard exemption offers added flexibility to cover other valuable items. At Vohwinkel Law, our Las Vegas bankruptcy attorney has extensive experience using this exemption to help clients protect what matters most. For personalized guidance, contact us for a free, confidential consultation.
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Questions You’re Probably Asking (And the Answers You Need)
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 bankruptcy options are available to me in Las Vegas?
Las Vegas residents have several bankruptcy options depending on their situation. Chapter 7 eliminates most unsecured debts quickly (within 3–6 months) and is best for those with limited income and few assets. Chapter 13 lets you repay debts through a structured 3–5 year plan while keeping all your property — ideal if you want to save a home from foreclosure. Small business owners may also qualify for business bankruptcy to restructure debts and continue operations. Vohwinkel Law will evaluate all options during a free consultation.
How can bankruptcy stop wage garnishment and creditor harassment?
The moment you file for bankruptcy — under any chapter — a federal court order called the automatic stay immediately takes effect. This halts wage garnishment, puts foreclosure proceedings on hold, ends all collection calls, and makes any further creditor contact illegal. The automatic stay provides immediate financial breathing room while your case is being processed.
Will I lose my home if I file for bankruptcy in Nevada?
Most people do not lose their home when filing for bankruptcy in Nevada. Nevada law provides significant homestead exemptions protecting your primary residence up to certain equity limits. If you file Chapter 13, you can keep all assets while catching up on missed mortgage payments through a repayment plan. Even in Chapter 7, most homeowners who are current on payments can retain their home. Vohwinkel Law will identify exactly what is protected under Nevada law for your specific situation.
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates most unsecured debts quickly (within 3–6 months) but requires passing a means test and may involve surrendering non-exempt assets. Chapter 13 lets you keep all assets while repaying debts through a structured 3–5 year plan — better suited for those who want to save a home from foreclosure or do not qualify for Chapter 7. Vohwinkel Law will evaluate both options during your free consultation.
What are Nevada bankruptcy exemptions and why do they matter?
Nevada has opted out of federal bankruptcy exemptions and relies on its own state-specific laws, which protect assets like your home, vehicle, household goods, retirement accounts, and tools of your trade from liquidation. Nevada also offers a wildcard exemption, which can be used to protect property that doesn’t fall under standard categories. Married couples filing jointly can double their state exemptions for jointly owned property. Working with an attorney experienced in Nevada bankruptcies is essential, as rules from other states do not apply.
Can bankruptcy help me save my home from foreclosure?
Yes. Bankruptcy can stop foreclosure immediately through the automatic stay. Chapter 13 is particularly powerful for saving a home — it allows you to catch up on missed mortgage payments over 3–5 years while keeping the property. Vohwinkel Law also assists with foreclosure mediation through Nevada’s federal Mortgage Modification Mediation (MMM) program, foreclosure protection strategies, loan modifications, and short sales for homeowners who cannot sustain their mortgage.
Does Vohwinkel Law offer a free bankruptcy consultation?
Yes. Vohwinkel Law offers a complimentary, no-obligation initial consultation to assess your debts, evaluate your eligibility for Chapter 7 or Chapter 13 bankruptcy, explain your Nevada exemptions, and outline a clear path to financial relief. Call (702) 735-1500 or email info@vohwinkellaw.com to schedule.