Areas We Serve
When Debt Overwhelms, Our Bankruptcy Attorney in Spring Valley, NV Steps In
Struggling with overwhelming debt in Spring Valley? Vohwinkel Law is a trusted bankruptcy attorney offering strategic legal help through Chapter 7 liquidation and Chapter 13 restructuring. We prioritize client education, transparency, and a personal touch that larger firms simply can’t match.
- Stop creditor threats and lawsuits before they escalate
- Shield your income from wage garnishment
- Discover debt solutions tailored to your situation
- Get advice from attorneys who actually return your calls
- Begin the process with a no-obligation free consultation
Whether you’re dealing with unpaid credit cards, payday loans, or collection agencies, we make your financial restart as smooth as possible.
Testimonials
What Our Clients Say About Us
Bankruptcy Representation in Spring Valley That Puts Clients First
Vohwinkel Law isn’t just another firm. We offer clarity when others create confusion. Our clients appreciate excellent communication, affordable payment plans, and attorneys who actually take the time to explain everything clearly — without jargon, judgment, or delays.
Filing Bankruptcy in Las Vegas? Start Here First
Before you file bankruptcy in Las Vegas, speak with a local expert. Our firm walks you through everything, from paperwork to court dates, with quick and efficient handling and zero stress.
Find a Chapter 7 Attorney Near You Who Understands Urgency
When your finances demand immediate action, our Chapter 7 attorney services help eliminate unsecured debt fast, including credit card balances, medical bills, and personal loans.
Protect Your Home and Stop Foreclosure in Nevada Now
If you’ve received a foreclosure notice, don’t wait. We can stop foreclosure in Nevada with fast legal intervention and personalized case strategies to protect your property and your future.
Trusted Debt Relief Lawyer in Las Vegas Without The Gimmicks
Not every debt relief lawyer in Las Vegas delivers what they promise. At Vohwinkel Law, we’re known for being responsive and caring, helping people find clarity and peace of mind.
Book a Free Bankruptcy Consultation with No Strings Attached
We believe in empowering you from the first conversation. That’s why your bankruptcy consultation is free, confidential, and focused entirely on what’s best for your future.
Chapter 13 Repayment Plans That Are Realistic And Not Rushed
Some firms rush you into a plan that doesn’t fit. We customize Chapter 13 repayment plans that match your income, lifestyle, and priorities, so you can actually stick to the process.
Why Spring Valley Residents Recommend Vohwinkel Law
Forget the horror stories of hidden fees and rushed consultations. We keep it transparent, straightforward, and honest — just like legal services should be. Clients highly recommend us for our integrity, compassion, and follow-through.
Our 3 Steps
How Bankruptcy Works with Vohwinkel Law
STEP 01
Schedule Your Free Consultation
No pressure, just guidance.
STEP 02
Plan Your Strategy
Whether Chapter 7 or 13, we tailor a solution.
STEP 03
File and Rebuild
We take care of court filings while you regain peace of mind.
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
Let’s Rebuild Your Financial Future from Spring Valley
When debt becomes unmanageable, we’re here to help you reset. Talk with Vohwinkel Law today — and find real answers, fast.
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