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Bankruptcy & Debt Relief Lawyers
If you’re overwhelmed by debt and can’t find a way out, it’s time to talk with a PandA attorney. You don’t have to fight this battle alone. The solution to your financial problems may be right in front of you.
Creditors and debt collectors don’t want you to know that help is available, but we do. Get started with a PandA lawyer and get the information you need to make powerful, educated decisions about your future.
Try out our calculator and see how much you could save with PandA Debt Settlement.
Simply enter your total unsecured debt to see the instant calculation. Then submit the form to have one of our PandA Debt Relief attorneys review the best options for you for free!
CALCULATE YOUR SAVINGS…
Bankruptcy may ELIMINATE
- Credit card bills
- Medical bills
- Foreclosure process
- Wage Garnishment
- Creditor Harassment
- YOUR HOME
- YOUR CAR
- YOUR WAGES
- YOUR FURNITURE
- YOUR ASSETS
• Credit card bills
• Medical bills
• Foreclosure process
• WAGE GARNISHMENT
• CREDITOR HARASSMENT
• YOUR HOME
• YOUR CAR
• YOUR WAGES
• YOUR FURNITURE
• YOUR ASSETS
Las Vegas Bankruptcy And Debt Relief Solutions Are Our Specialty.
WHAT DOES FULL SERVICE DEBT RELIEF MEAN?
“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!
CAN ANYONE SETTLE THEIR DEBT?
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.
CAN ANYONE FILE FOR BANKRUPTCY?
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.
HOW DO I QUALIFY FOR BANKRUPTCY?
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.
WILL I LOSE MY HOUSE / CAR / FURNITURE / OR OTHER ASSETS?
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.
HOW LONG WILL IT TAKE FOR MY CREDIT TO RECOVER AFTER BANKRUPTCY?
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.
WHAT'S THE DIFFERENCE BETWEEN CHAPTER 7 AND CHAPTER 13 BANKRUPTCY?
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.
WHAT ARE OTHER DEBT RELIEF OPTIONS?
• 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.
WHAT IS CONSUMER PROTECTION?
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:
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!
Las Vegas’ Top Law Firm For Bankruptcy & Debt Relief
You’ll be happy to know that PandA Law Firm is a full-service law firm specializing in one thing: Customer Service. Furthermore, our attorneys are consistently named among the best lawyers in Las Vegas, ranked by Desert Companion Magazine (KNPR), American Institute of Bankruptcy Attorneys, American Institute of Personal Injury Attorneys, AVVO, Martindale Hubble and other Las Vegas attorneys and judges.
Experience. Reputation. Results.
PANDA ALWAYS HAS YOUR BACK
FULL SERVICE 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 do what’s best for our client.
If you have debt, bankruptcy isn’t always the right option. Sure, at PandA we file more Chapter 7 bankruptcy and Chapter 13 bankruptcy cases per month than most law firms, but our attorneys can help you get out of debt without bankruptcy, too.
Additionally, full service means that we help you rebuild your credit score after your case is discharged at no additional fee. Did you know most of our clients have 650-680 credit scores a few months after their discharge? And 700+ FICOs in about 2 years? If you have debt, give us a call for a free* consultation and experience the PandA difference!
THE BEST DEBT SETTLEMENT LAW FIRM
PandA Law Firm is a four time gold winner, so when you need help navigating debt settlement options you'll know you have the best attorneys by your side.
THE BEST BANKRUPTCY LAW FIRM
Our bankruptcy lawyers have worked on thousands of bankruptcy cases, so we can help you determine which chapter is most appropriate for your financial situation. But we don't stop there -- We help you rebuild your credit for free.
Our attorney-handled bankruptcies are different than most “discount bankruptcy” firms that process you through using paralegals or send someone you’ve never met to represent you at your hearings. And, when our clients complete the bankruptcy process, we help them rebuild their credit for free!
To schedule your free debt relief consultation with a real attorney call PandA now at 702-818-3888
OUTSTANDING CUSTOMER SERVICE
As a client of our firm, you can expect to receive personal service from your attorney at every stage of the process. Since we offer many different solutions, you will not be pressured into following a path that is not right for you.
We will help you evaluate your options and make an informed choice on the best plan according to your unique set of circumstances. We strive to guide you through the successful accomplishment of your goals affordably and efficiently.