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Nevada Ranks Ninth in Foreclosures for Q1 2019

Posted by Rory Vohwinkel | May 16, 2019 | 0 Comments

While the worst of the Nevada real estate market collapse brought on by the financial crisis may be long over, a recent study shows that Nevada still has a higher foreclosure rate than the majority of other states. Unsurprisingly, larger states have a larger total number of active foreclosures. B...

Student Loan Discharge May Be More Common Than You Think

Posted by Rory Vohwinkel | May 15, 2019 | 0 Comments

The common belief among those considering filing for bankruptcy in Nevada is that student loan debt can't be discharged upon the completion of your bankruptcy. But the reality is there are debtors each year that are able to obtain a discharge of their student loan debt. The number of debtors that...

What Happens When a Person Dies During Bankruptcy?

Posted by Rory Vohwinkel | May 03, 2019 | 0 Comments

While uncommon, debtors have been known to pass away during the course of a bankruptcy proceeding. For obvious reasons, this can greatly complicate a bankruptcy case. The outcome of the bankruptcy can have a serious impact on the deceased's loved ones and estate, so the outcome of the bankruptcy ...

Nevada Bankruptcy Statistics for 2018

Posted by Rory Vohwinkel | Apr 29, 2019 | 0 Comments

Thanks to a variety of factors, including the end to the housing crisis and changes in American health care laws, the number of bankruptcy filings has fallen significantly in the previous ten years. However, these improving numbers don't change the fact that thousands of Nevadans file for bankrup...

Can I Dismiss My Bankruptcy Case?

Posted by Rory Vohwinkel | Apr 18, 2019 | 0 Comments

For most people, declaring bankruptcy isn't a snap decision. If you opted to file for protection under Nevada's bankruptcy laws, you probably thought long and hard about it before filing your petition. And while that might be the case for every debtor, in some instances a debtor may decide that c...

Can I modify my home loan with a tax lien?

Posted by Rory Vohwinkel | Apr 15, 2019 | 0 Comments

If you are a Nevada resident behind on your mortgage, you may be feeling the pressure of a possible foreclosure. The good news is that there are a variety of ways to halt a foreclosure including foreclosure mediation, bankruptcy, or short sales. But one of the underrated methods of halting a fore...

Are VA benefits included in the Chapter 7 means test?

Posted by Rory Vohwinkel | Apr 11, 2019 | 0 Comments

A successful discharge from a Chapter 7 bankruptcy is a great way to get a fresh start financially. This form of bankruptcy is popular because it can resolve in under a year and result in the court wiping out the bulk of your debts. In order to prevent abuse, the bankruptcy code applies a means t...

How Many Times Can You File for Bankruptcy in Nevada?

Posted by Rory Vohwinkel | Mar 29, 2019 | 0 Comments

If you have decided to declare bankruptcy in Nevada, hopefully it will be the only time in your life you will never need to do so. When you file for either Chapter 7 or Chapter 13 bankruptcy, your goal is to regain control over your financial situation and get a chance to start over. Unfortunatel...

Can Short Sale Prices be Negotiated?

Posted by Rory Vohwinkel | Mar 18, 2019 | 0 Comments

If you are house hunting in Las Vegas, you may have noticed by now that many of the best-priced homes are listed as short sales. A short sale is a when a home owner that currently owes more on a home than its market value receives permission from their lender to sell the home at a loss. In a shor...

Can you short sale to a family member?

Posted by Rory Vohwinkel | Mar 08, 2019 | 0 Comments

For some homeowners, the hard reality is that it simply isn't financially feasible to stay in their home. Unexpected bills or changes in employment can make meeting ongoing mortgage payments impossible. In this situation, many homeowners will look to sell their home in order to get out from under...

Will a Foreclosure Affect my Security Clearance?

Posted by Rory Vohwinkel | Mar 07, 2019 | 0 Comments

If you are facing the threat of foreclosure, the last thing you need is to face the possibility of losing your source of income. But if your job requires a security clearance, that's exactly what could happen. That's because foreclosure is one of the financial factors that can affect your securit...

Can I Represent Myself in a Nevada Bankruptcy?

Posted by Rory Vohwinkel | Mar 05, 2019 | 0 Comments

The idea of hiring an attorney when you are in the position of needing the protection of a bankruptcy filing may seem counter-intuitive. After all, if you are struggling to pay your other bills the thought of paying for an attorney may seem difficult. And that begs the question: is it possible to...

Will I Lose My Jewelry In a Nevada Bankruptcy?

Posted by Rory Vohwinkel | Mar 01, 2019 | 0 Comments

If you are considering bankruptcy protection under Chapter 7 or Chapter 13 bankruptcy in the State of Nevada, you have some choices to make regarding your personal property. While it is true that the bankruptcy trustee can liquidate some of your property, you are granted certain bankruptcy exempt...

What happens if I omitted a Chapter 7 creditor?

Posted by Rory Vohwinkel | Feb 27, 2019 | 0 Comments

Sometimes during the course of a Chapter 7 bankruptcy, mistakes are made at the time the petition is filed. If you have a large number of unsecured creditors, it is possible that in your haste to declare bankruptcy you forget to list one of those creditors when you file. When a creditor is left ...

Can I discharge my student loan debt in bankruptcy?

Posted by Rory Vohwinkel | Feb 26, 2019 | 0 Comments

​Each year, millions of Americans attending college take out loans in order to pay for it. The most unsettling part is that 22 percent of the more than $1 trillion in outstanding student loan debt is in default. Overwhelming student loans have become one of the major debt issues that send America...

Can I exempt more than one personal injury settlement?

Posted by Rory Vohwinkel | Feb 25, 2019 | 0 Comments

One of the most daunting parts of filing for bankruptcy is the possibility that the bankruptcy trustee will require you to sell some of your property in order to pay off your creditors. Thankfully, Nevada bankruptcy law has a series of exemptions that allow you to essentially mark certain pieces ...

Can A Homestead Exemption Apply to Rental Property?

Posted by Rory Vohwinkel | Feb 19, 2019 | 0 Comments

If you are considering bankruptcy, your first thought is likely how filing will affect your property. And for Nevada homeowners, the largest and most important asset they own is their home. Thankfully, Nevada has a homestead exemption that homeowners may use to protect that asset in bankruptcy. B...

What is a Tools of the Trade Exemption in Bankruptcy?

Posted by Rory Vohwinkel | Feb 18, 2019 | 0 Comments

Declaring Chapter 7 or Chapter 13 bankruptcy may be an option to give you a fresh start financially. But in some cases, a bankruptcy trustee can sell your property in order to pay your creditors. If you have tools or equipment you need to perform your job, the possibility of having those tools so...

Will I Lose My Car If I Declare Bankruptcy?

Posted by Rory Vohwinkel | Feb 14, 2019 | 0 Comments

If you are thinking about declaring Chapter 7 or Chapter 13 bankruptcy in Nevada, you likely have a lot of questions about how bankruptcy can affect your property. Like with many states, Nevada law allows you certain exemptions for various pieces of your property. These exemptions can protect the...

Can you stop a vehicle repossession in Nevada?

Posted by Rory Vohwinkel | Feb 11, 2019 | 0 Comments

When you purchase a new car with a loan or some other type of financing in Nevada, the creditor that loans you the money gains an interest in your vehicle. This security interest, also known as a lien, empowers your creditor to seize the car if you default on your loan payments. In fact, most loa...

Can bankruptcy stop a lien?

Posted by Rory Vohwinkel | Oct 29, 2018 | 0 Comments

HOW LIENS ARE HANDLED IN BANKRUPTCY If you have a mortgage, second mortgage or past due tax debt, there could be a lien on your home. In the event that the property is sold, any person or entity that has an interest in it would be allowed to collect any balance that the party or parties are owed...

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