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At Connaghan Newberry, in Las Vegas, Nevada, we represent clients throughout Clark County, including North Las Vegas and Henderson.
Please read our
disclaimer.
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to lawyer or law firm".
it is available to individuals and married couples with regular income from any source, not just wages. If you
have nonexempt property you want to keep which would be subject to sale under Chapter 7, have a regular
income that will allow for both living expenses and making monthly payments, want to strip a second
mortgage, or just want to catch up on missed bills, Chapter 13 may be the option for you. Chapter 13 deals
with the financially distressed individual, who wants to pay back a portion if not all of his or her debts.

Debtors propose a repayment plan to the Court, whereby creditors are paid over an extended period of time.
The repayment plan is carried out under court supervision and protection. Debtors are permitted to repay
creditors in monthly installments over a three (3) to five (5) year period.  During the repayment period
creditors are prohibited from starting or continuing collection efforts. In no case may a plan provide for
payments over a five (5) year period and a plan providing for payments over more than three years must be
for cause and approved by the court.  Filing Chapter 13 bankruptcy in Las Vegas will help protect your
assets from foreclosure and repossession. It will also discharge your unsecured debts just like Chapter 7
bankruptcy. In Chapter 13 bankruptcy, you are required to make a monthly plan payment, whereas in a
Chapter 7, after you attend the meeting of creditors and your discharge is approved by the Trustee, you will
be issued an Order of Discharge which typically takes 3-4 months to achieve after filing the initial petition.

We will evaluate your entire financial picture to first determine if there are any consumer protection laws
that could be used to avoid debt or creditor harassment.  If it appears that Bankruptcy is the best option, we
will guide you through the Bankruptcy process so that you keep the maximum assets under the law and
achieve the fresh start that you deserve.  Call and make an appointment with one of our attorneys today.

PURSUANT TO 11 USC SEC. 528
WE ARE A DEBT RELIEF AGENCY. WE HELP PEOPLE FILE
FOR BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.
Chapter 13 Bankruptcy
THE ABOVE IS BY NO MEANS A COMPREHENSIVE ANALYSIS OF THE
BANKRUPTCY CODE, NOR IS IT DESIGNED TO REPLACE THE
SERVICES OF ADEQUATE LEGAL COUNSEL.  PLEASE CONTACT US
WITH ANY QUESTIONS YOU MIGHT HAVE REGARDING FILING A
CHAPTER 13 BANKRUPTCY
A Law Firm
Connaghan|Newberry
Call (702) 608-4232
(702) 608-4232