I received a court summons for an unpaid credit card debt. I knew I was behind on my payments, but I thought I would have more time to figure it out before I’d be faced with anything like this. The court says I have to respond in 20 days. What do I do?

A few years ago, an investment property of mine was foreclosed on. Since then, I’ve been focused on rebuilding my credit score and have been careful to avoid anything that would negatively affect my credit. Now, I want to refinance my primary home, but I’m worried it will be denied because of the past foreclosure. What are my options?

My son broke his arm playing at a friend’s house. The other boy’s parents were very helpful — they called me immediately and took him to the emergency room for treatment. Unfortunately, our health insurance is limited and it won’t cover most of the claim. I like the other family but I’m frustrated with the situation and I’m not sure what to do. Do I have any options?

I’m new to the city and looking for a home to rent. What do I need to know about renters’ rights in Las Vegas before I sign a lease?

Last week I was rear-ended during my drive to work. Immediately after the accident, the other driver and I pulled off to the side of the road to exchange information. The other driver told me that he did not have car insurance but would pay for my repairs out-of-pocket. Now, I have a quote from the auto body shop for the repairs, but he’s saying he can only afford a small portion of the bill. What can I do?

I was road-tripping to Los Angeles last weekend and got into a car wreck. The driver who hit me was fine, but I got pretty banged up and had to be taken to a local hospital via ambulance. Now I’m back home in Las Vegas, but I have to sort it out with the insurance company in California. Can I handle this from Nevada? Or will I need to go back to California?

This article was originally published in the Las Vegas Sun as part of the “Ask an Attorney” column, authored by attorney Xenophon Peters, a Founding Partner of PandA Law Firm. In the Aug. 28 edition of The Sunday, we went over the basics of tracking your spending. But understanding your spending is just the first step in creating a simple […]

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