Debt Relief Law Firm

“Full service debt relief” doesn’t just mean we pull your credit reports and take care of the paperwork – most law firms do that. At PandA Law Firm, full service means we discuss ALL debt relief options, including bankruptcy and debt settlement, and we do what’s best for our client. Additionally, full service means that we help you rebuild your credit score after your case is discharged, for no additional fee. Did you know most of our clients have 650-680 credit scores a few months after their discharge or debt settlement? And 700-800 FICOs in about 1-2 years? If you have debt, give us a call for a free* consultation and experience the PandA difference!

Yes, all unsecured debt can be settled.  This includes credit cards, collection accounts, medical debts, payday loans, and personal loans.  In fact, there are even some student loans that can be settled.  Choosing the right attorney can save you tens of thousands of dollars, dozens of hours on the phone arguing with collectors, and bring you peace of mind.  At PandA, we’ve negotiated tens of thousands of accounts, and have saved our clients more than $100,000,000 in the process.  If you’re not sure if bankruptcy is right for you, call PandA to discuss your debt settlement options.

Despite being one of the best legal remedies available for people who are struggling with financial hardship, there are many misconceptions associated with bankruptcy. Believing these myths can cause extensive harm to people facing problems like wage garnishments, bank account levies, utility shutoffs, foreclosure, etc. One of the most common misconceptions surrounding bankruptcy is that it is only for individuals with limited sources of income and that people earning too much money cannot file for bankruptcy. Well, nothing could be farther from the truth. Contact us to learn more.

A consumer can file for bankruptcy under any of the different numbers of bankruptcy chapters available under the US Bankruptcy Code. Chapter 7 and Chapter 13 Bankruptcies are the most common types of consumer bankruptcies. The qualifying criteria for each is different, as are the pros and cons associated with them. Hence, it is important to not only find out which chapter you are eligible to file under, but also what benefits you will get under that particular chapter.

What happens to your home, belongings, and property depends on your individual situation, the state you live in, and whether you file Chapter 7 or Chapter 13 Bankruptcy. In Nevada, we have laws that protect most cars, houses, and even retirement accounts; subject to certain exemption limits. In most cases, you can keep these even if you file a Chapter 7. (This is why we ALWAYS recommend talking to an attorney before you tap a retirement account to pay your debt!). Because each case is different, please call us for a free consultation.  Our attorneys will be happy to give you the specific exemption rules that apply to your case.

Filing for bankruptcy will impact your credit. That’s why PandA Law includes a free credit restoration service after your bankruptcy is discharged!  When they follow our credit repair guide, most of our clients see a 680 credit score in as little as 6 months, and a 720 in about 2 years! Additionally, you can get credit cards 3 months after discharge, a car loan 6 months after, and even a home loan 1-2 years after your bankruptcy. Yes, your filing will be on your credit report for 7-10 years, but banks know it’s a “fresh start.” They are willing to lend money again because you don’t have any more unsecured debt, and following PandA’s guide shows them you’re working to rebuild.

Chapter 7 is the most common type of bankruptcy. Chapter 7 is a liquidation bankruptcy that wipes out most of your general unsecured debts, such as credit cards and medical bills, in as little as four to six months without the need to pay back balances through a repayment plan. In order to qualify for Chapter 7, you must qualify under income limits that vary by state. Current bankruptcy laws have made it more difficult for some debtors to file Chapter 7 Bankruptcy and instead require them to repay a portion of their debts through Chapter 13. Chapter 13 is a reorganization bankruptcy designed for debtors with regular income who can pay back at least a portion of their debts through a repayment plan. Many debtors choose to file for Chapter 13 because it offers many benefits that Chapter 7 does not.

• Debt Settlement • Debt Consolidation • Consumer Protection Choose the best option for YOU, with PandA on your side. We bring you immediate access to legal advice to eliminate your debt.

If you are no longer able to tolerate bill collectors trying to collect payments or you have incorrect and/or outdated information on your credit report, there are solutions:

• Credit Repair (FCRA)
• Harassment (FDCPA / TCPA)

We’ll be sure to compare the benefits of each when you come in for your consultation. And, the best part is, you pay no money out of pocket!