Naimi & Dilbeck provide an effective bankruptcy and debt negotiation service to anybody in the Las Vegas and surrounding Nevada area facing financial difficulties. Our experienced attorneys will be able to discuss your financial situation and advise you what your options are – either filing for bankruptcy itself or finding an alternative strategy which suits your particular circumstances.
Free consultations are available to anybody in financial hardship. We provide a completely free, no strings attached first consultation and can sincerely say that we can provide options to help you establish a plan towards financial recovery.
Naimi & Dilbeck is here to provide quality service for anyone suffering from this struggling economy. We do not target our legal assistance purely to the wealthy and advantaged as many other attorneys do. We fully appreciate the enormous financial strains that have enmeshed many ordinary individuals throughout the United States as a result of the financial crisis, continuing recession and the associated high level of unemployment, foreclosures and businesses going bust. There is no shame attached to anybody who finds them self in financial difficulties. The main objective is to search for the best way forward so that you can get on with your life.
We are proud to state that our firm has grown from strength to strength every year and it feels that this is simply a tribute to our success and that so many of our new clients have actually been recommended by former clients of ours.
In particular, we can help you with
- Credit card debt
- Debts on personal loans
- Payday loan debt
- Medical or hospital bills
- Home foreclosures
- Upside down homes
If your financial situation allows it, then avoiding bankruptcy is still the best option in many circumstances. We offer a variety of options here which are tailored to your particular circumstances. Our experienced attorneys are able to work out with you what is the best strategy.
The debt negotiation option – an alternative to bankruptcy If you are still receiving regular income, but are finding repayments on a regular basis hard to balance with all your other household expenses such as the cost of transport, university fees and so on, then debt negotiation, debt settlement or consolidation may be the best route to take. The value of these strategies is that you are given the chance to deal with your debt without having to actually go bankrupt and allow yourself to go on to reorganize your finances more satisfactorily in the future.
If you have found, as so many people have, right cross the country, that your mortgage has now become greater than the market value of your home, then we may be able to arrange a short sale in which you are able to dispose of your mortgage and your present home and walk away free of debt.
Failing these alternatives, then we provide assistance with the two main ways in which you can file for bankruptcy here in Nevada. Bankruptcy is a good option to clear yourself of any unsecured debt burden, but note that it can only be done once every eight years, so should only be done when there are no other clear options.
Because of Nevada’s relatively generous bankruptcy laws there are numerous exceptions to what you have to declare as part of your assets in bankruptcy proceedings.
Of the two main routes to bankruptcy, then chapter 7 is the preferred option for anybody who has an income substantially less than the average income in the state or has a total unsecured debt burden which is greater than your monthly income. Chapter 7 bankruptcy is a fast and effective way of ridding you of your debt burden but changes to the Bankruptcy Code in 2005 mean that there is now a complex means test which must be completed before you are regarded as eligible.
Chapters 7 and 13 Bankruptcy – Get Rid of Your Unsecured Debt Now!
It is strongly recommended that you contact one of our attorneys when filing for either Chapter 7 or chapter 13 bankruptcy because of the complexities involved and the stringent requirements of the Bankruptcy Court.
If you don’t qualify for Chapter 7, then you may need to file for Chapter 13 bankruptcy. This is an option when you have fewer, but larger debts and have a relatively high income. Again the process of filing for bankruptcy needs the assistance of an attorney who is qualified in bankruptcy law and is experienced enough to guide you through the process smoothly and efficiently.
We at Naimi & Dilbeck are able to offer real options for real people caught up by financial hardship. If you have been experiencing financial difficulties and want to know what is the best option for you, then call our office today at 702-823-3333 to have a totally free consultation with one of our attorneys.