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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...

Will a foreclosure prevent me from renting?

Posted by Rory Vohwinkel | Oct 16, 2018 | 0 Comments

RENTING IN LAS VEGAS AFTER A FORECLOSURE If you have a foreclosure on your record, finding an apartment can become harder. Yet, there are steps that you can take to make sure that you have a new place to live. Here are some tips to follow for locating an apartment in Las Vegas after you have a f...

Will Bankruptcy Clear Medical Debt?

Posted by Rory Vohwinkel | Oct 12, 2018 | 0 Comments

DISCHARGE MEDICAL DEBT BY DECLARING BANKRUPTCY Individuals can find themselves in dire financial situations for many reasons. Some of the most common reasons for declaring bankruptcy include consumer credit card debt and medical debt. If you find yourself struggling under the weight of medical b...

Five Bankruptcy Myths

Posted by Rory Vohwinkel | Oct 09, 2018 | 0 Comments

Declaring bankruptcy is usually a decision that's only undertaken after much thought. Even though this step may be the best and most sensible decision for your particular situation, you may be extremely reluctant to declare bankruptcy, often because of popular misconceptions about personal bankru...

How Joint Debts Are Treated in Chapter 7 Bankruptcy

Posted by Rory Vohwinkel | Oct 04, 2018 | 0 Comments

JOINT DEBTS: HOW THEY ARE TREATED IN CHAPTER 7 BANKRUPTCY If you are planning on filing for bankruptcy, it may be possible to eliminate credit card, medical or other loans. However, if another person is on the account or has co-signed a loan with you, he or she could still be pursued by creditor...

Can a Bank Foreclose During a Loan Modification

Posted by Rory Vohwinkel | Oct 01, 2018 | 0 Comments

LOAN MODIFICATION DURING BANK FORECLOSURE IS NOT A SIMPLE PROCESS While many regulations are in place to help the borrower during a loan modification request, there are also many provisions and requirements that must be followed. In order to understand all the nuances, borrowers need to be infor...

Buying a Car with A Chapter 13 Bankruptcy

Posted by Rory Vohwinkel | Sep 28, 2018 | 0 Comments

A Chapter 13 bankruptcy can put up quite a few obstacles, but it's not the end of the world. An experienced Chapter 13 Las Vegas attorney can show you a few workarounds. For instance, consider the challenge of buying a car. Applying for a new or used car loan isn't always a luxury. Sometimes it'...

Declaring Bankruptcy as a Las Vegas Business

Posted by Rory Vohwinkel | Sep 24, 2018 | 0 Comments

The most frustrating part of owning a business is that it might fail without even be your fault. Your company might be under-financed, there might be too much competition in your market or geographic area, or the economy might turn sour. For those and many other reasons, you might have to consid...

How Does a Loan Modification Affect Credit Scores

Posted by Rory Vohwinkel | Sep 19, 2018 | 0 Comments

You know those pesky debt collector calls? The bills and warning letters from your home lender every time you go to the mailbox? Well of course you do. The constant stress of being unable to make timely house payments is forcing you to consider foreclosure or personal bankruptcy. Either can be ap...

Qualifying for Loan Modification

Posted by Rory Vohwinkel | Sep 10, 2018 | 0 Comments

When homeowners get to a financial place where mortgage payments become difficult, if not impossible, they begin searching for solutions. One popular possible solution to avoid foreclosure is to apply for a loan modification Las Vegas. If you have the right circumstances, this may be an excellent...

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