Chapter 7 for Henderson residents
A Chapter 7 wipes out credit cards, medical bills and personal loans, usually in about three to four months. The day your petition is filed, the automatic stay takes effect, and most collection calls, wage garnishments and collection lawsuits have to stop, including cases pending in Henderson Justice Court.
Your case is filed in the U.S. Bankruptcy Court for the District of Nevada, and Nevada's exemption laws decide what you keep. Read how Chapter 7 works.
Keeping your Henderson home
Most of Henderson's neighborhoods are owner-occupied homes, many in master-planned communities. Nevada's homestead exemption protects a large amount of home equity, so most people who file Chapter 7 keep their house as long as they stay current on the mortgage. Our article Will I lose my house if I file Chapter 7 in Nevada? explains how it works.
What happens to HOA dues
Homeowners' association dues are a common question in Henderson. HOA dues and late fees you owe before you file can generally be discharged. Dues that come due after you file are not discharged for as long as you own the home, so if you plan to keep the house, you need to keep paying the HOA going forward. If you are behind with your HOA, tell us at your consultation, because an association can have lien rights against the property.
Your lawyer has sat in the trustee's chair
Every Chapter 7 case is reviewed by a trustee. Brian D. Shapiro has served as a Chapter 7 trustee in Las Vegas for over 15 years, is currently the longest-serving trustee in Las Vegas, and has administered over 15,000 cases. When he represents you, your case is prepared by someone who knows exactly what the trustee will ask. More about Brian.
No office visits
- Your free consultation is by phone or video call.
- You send your documents through our secure client portal.
- The meeting of creditors is held by Zoom, and we prepare you and attend it with you.
What it costs
Most Chapter 7 cases are a $2,500 flat fee with $0 down in attorney fees: nothing before your petition is filed, then $250 a month starting 30 days after filing. The court's $338 filing fee is paid before filing. How $0 down in attorney fees works.
Other areas we serve
We also represent people in Las Vegas, North Las Vegas, Summerlin, Pahrump, Boulder City and Laughlin. We file Chapter 7 cases only, and only in Nevada.
Common questions
Do I have to go to court in Las Vegas if I live in Henderson?
Usually not. The meeting of creditors is held by Zoom, so you join from home. Most Chapter 7 cases never require you to appear in court in person.
Will filing stop a lawsuit in Henderson Justice Court?
Filing your petition puts the automatic stay in place, which generally stops pending collection lawsuits, including cases in Henderson Justice Court. Tell us about any lawsuit or judgment at your consultation.
Can I keep my house in Henderson if I file Chapter 7?
In most cases, yes, as long as your equity is within Nevada's homestead exemption and you stay current on the mortgage. We check your numbers at the free consultation.
Does bankruptcy get rid of HOA dues?
Dues owed before you file can generally be discharged. Dues that come due after filing are not discharged while you still own the home.