💼 Chapter 7 Bankruptcy
🏠 Chapter 13 Bankruptcy
🏢 Chapter 11 Business Bankruptcy
🛡️ Automatic Stay Protection
📋 Debt Discharge
🏡 Homestead Exemption
💳 Credit Card Debt
🚗 Vehicle Repossession Defense
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What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 discharges most unsecured debt in 3–6 months but may require liquidating non-exempt assets. Chapter 13 lets you keep assets while repaying debts over 3–5 years under court supervision. Chapter 13 is best if you are behind on mortgage payments.
What assets are protected in Nevada bankruptcy?
Nevada protects up to $605,000 in home equity (homestead exemption, NRS 21.090), 75% of disposable wages, retirement accounts, Social Security benefits, one vehicle up to $15,000, and household goods up to $12,000.
Will bankruptcy stop foreclosure in Nevada?
Yes — filing triggers an automatic stay that immediately halts foreclosure, repossession, wage garnishment, and most collection actions. A Chapter 13 filing lets you catch up on missed mortgage payments over 3–5 years.
How long does bankruptcy affect my credit in Nevada?
Chapter 7 remains on your credit report for 10 years. Chapter 13 remains for 7 years. However, many filers begin rebuilding credit within 2–3 years of discharge through secured cards and on-time payments.