The Decision to file Bankruptcy can be difficult. You can take comfort in the fact that you are not alone. It's called Bankruptcy Protection for a reason. The people who file for Bankruptcy really need its protection.

Last year over 2 million people filed for personal bankruptcy.

David Otto & Affiliates, PC is here to help you through the bankruptcy process. We supply you with the information and legal services you need to get back on your feet with a Fresh Start.

Bankruptcy Requirements

There are restrictions on who can file for Bankruptcy Protection.

To be eligible, you must live, have a residence, place of business or property in the United States. After determining your yearly income using a 'Means Test' we will determine if you are eligible for either a Chapter 7 Bankruptcy or whether to file your case under Chapter 13.

The means test, along with a requirement for credit counseling, was added to the Pre-Filing requirements of the Bankruptcy Courts by the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA).

To file for a Chapter 7 Bankruptcy, you must not have been granted a discharge under Chapter 7 or completed a Chapter 13 repayment plan in the six years prior to your filing the current case. To file a petition you must not have had a bankruptcy filing dismissed for cause in the past 180 days.

Filing a Chapter 13 Bankruptcy requires that you have a regular income, have less than $250,000 in unsecured debt and less than $750,000 in secured debt.

Once you decide to file, the Law Firm of David Otto & Affiliates, PC will work with you to get you protection under the Bankruptcy Laws.

We are Las Vegas Bankruptcy Lawyers.

Because we help individuals through the Bankruptcy Process, we are considered a Debt Relief Agency.

David Otto & Affiliates, PC | 2300 West Sahara Avenue, Suite 800 Las Vegas, NV 89102 | 702.379.6540