Areas We Serve
Your Guide to Financial Recovery, Bankruptcy Attorney in Winchester, NV
Vohwinkel Law is a Bankruptcy Attorney in Winchester, NV providing trusted legal support through Chapter 7 and Chapter 13 bankruptcy. Known for clarity and compassion, we help clients stop creditor harassment, eliminate unsecured debt, and build a real path to recovery.
- Prevent foreclosure and protect your home
- Put a halt to wage garnishment and lawsuits
- Get started with a free consultation
- Work with a team that’s professional and knowledgeable
- Enjoy affordable payment plans and responsive legal care
With stress-free experience and excellent communication, our attorneys empower you to make informed, confident decisions about your financial future.
Testimonials
What Our Clients Say About Us
Why Winchester Clients Choose Vohwinkel Law Over Bigger Firms
Unlike high-volume firms that rush you through paperwork, we provide one-on-one attention. With no hidden fees, no surprises, and always clear explanations, you’ll never feel lost or ignored. We take pride in building genuine client relationships, offering support that’s both compassionate and legally sound from start to finish.
How to File Bankruptcy in Winchester, NV Without the Stress
Filing can feel overwhelming, but it doesn’t have to be. We guide you through every step of the process, whether you’re looking for traditional or emergency bankruptcy filing.
Local Chapter 7 Help for Fast, Reliable Debt Relief
Our Chapter 7 bankruptcy services help eliminate credit card bills, payday loans, and medical debt. We’re quick and efficient, so you can get back on track fast.
Winchester Homeowners, Here's How to Stop Foreclosure Fast
Facing foreclosure? We know how to intervene and stop foreclosure in Nevada with proven legal strategies that give you time and control.
Smart Debt Relief from a Lawyer Winchester Residents Trust
From bankruptcy to credit counseling and insolvency guidance, we act as your trusted debt relief lawyer in Las Vegas with clear, honest solutions.
Start with a Free Bankruptcy Consultation
Your first meeting is a free consultation, where we take the time to listen, explain your options, and tailor a solution to your needs.
Chapter 13 Repayment Plans That Match Your Budget
We design Chapter 13 repayment plans that allow you to keep key assets while repaying debts affordably — and with a plan that works.
Our 3 Steps
Our Bankruptcy Process is Simple and Supportive
STEP 01
Schedule Your Free Consultation
Find out if Chapter 7 or 13 fits your goals.
STEP 02
Review Your Case with a Bankruptcy Expert
Get real legal advice, not just paperwork.
STEP 03
File and Rebuild
We handle filings, deadlines, and details 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
Let’s Start Building Your Financial Future
Take control of your situation today. Vohwinkel Law helps Winchester residents file with confidence and recover with clarity.
Our Services
Our Areas We Serve