BankruptcyChapter 7Chapter 13
Carrie E. Hurtik — Bankruptcy Attorney, Las Vegas NV
Carrie E. Hurtik is a bankruptcy attorney at Hurtik Law & Associates in Las Vegas, Nevada, with 15+ years of experience representing clients throughout Clark County.
Nevada bankruptcy law allows individuals and businesses to restructure or eliminate debt under Chapter 7 (liquidation) or Chapter 13 (repayment plan). Clark County bankruptcy cases are filed in the U.S. Bankruptcy Court for the District of Nevada (300 Las Vegas Blvd S., Las Vegas). Nevada's generous homestead exemption (NRS 21.090) allows you to protect up to $605,000 in home equity, plus additional exemptions for vehicles, retirement accounts, and household goods.
Why Hire Carrie?
- 15+ years of experience in bankruptcy matters in Nevada
- Practices at Hurtik Law & Associates, serving Las Vegas and the greater Las Vegas metro area
- Handles the full range of bankruptcy issues for Nevada clients
- Contact 702-479-5322 for a consultation about your situation
Frequently Asked Questions — Bankruptcy in Nevada
What are Nevada's bankruptcy exemptions?
Nevada's exemptions are among the most generous in the nation. The homestead exemption protects up to $605,000 in home equity (NRS 21.090). Nevada also exempts retirement accounts, a vehicle up to $15,000 in value, wages earned within 30 days (75% exempt), life insurance, and household goods up to $12,000. Consult a bankruptcy attorney to maximize your exemptions.
How does Chapter 7 bankruptcy work in Nevada?
Chapter 7 bankruptcy liquidates non-exempt assets to pay creditors and discharges most unsecured debts in 90-120 days. You must pass Nevada's means test — comparing your income to the state median — to qualify. A bankruptcy attorney can analyze whether Chapter 7 is available and advantageous for your situation.
What debts can bankruptcy discharge in Nevada?
Chapter 7 can discharge credit card debt, medical bills, personal loans, and most unsecured obligations. Non-dischargeable debts include recent taxes, student loans (absent hardship), child support and alimony, criminal fines, and debts from fraud. Chapter 13 allows for repayment plans that can address non-dischargeable debts over 3-5 years.
Will bankruptcy stop collection calls and foreclosure in Nevada?
Filing bankruptcy triggers an automatic stay under 11 U.S.C. § 362, which immediately halts all collection activity, including foreclosure, wage garnishment, lawsuit judgments, and creditor contact. The automatic stay goes into effect the moment you file. An experienced bankruptcy attorney can help you use this protection strategically.
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