mans empty pocket

Las Vegas
Bankruptcy Lawyer

with extensive experience
that you can trust

We proudly represent individuals and small business
by protecting your property and eliminating your debt

(702) 566-3600

Schedule a FREE Consultation With a Las Vegas Bankruptcy Attorney Today

To speak with Las Vegas Bankruptcy Lawyer Rodney K. Okano today call (702) 566-3600 or use our contact form

Table of Contents

Protecting Our Client’s Rights

We have represented individuals, married couples and small businesses in Bankruptcy for the past 12 years. Our law firm has helped clients gain protection from the collection efforts of Creditors. Mr. Okano will explain how a Bankruptcy can effectively deal with harassing phone calls, lawsuits, wage garnishment, foreclosure and automobile repossession. Our law firm in Las Vegas, Nevada is committed to protecting our clients’ rights to the maximum extent of the law.

Bankruptcy Attorney in Las Vegas Providing Extensive Experience

We have successfully represented over 2,000 Bankruptcy clients throughout the Las Vegas, NV area. We proudly represent individuals and small business by protecting your property and eliminating your debt. We will explain your Bankruptcy options under Chapter 7 or Chapter 13. Our office provides Bankruptcy experience in a calm and compassionate environment.

Reasons to Consider Short Selling Your Home

  • You wish to avoid Foreclosure
  • You are experiencing a hardship and unable to pay your mortgage
  • You owe more money on your home than it is worth
  • You have already abandoned the house but the bank hasn’t foreclosed
  • You are trapped in a high interest/adjustable rate mortgage
  • Your “new” neighbors are paying substantially less than you for the same house
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Contact a Chapter 13 and Chapter 7 Bankruptcy Expert in Nevada

In the case of a Bankruptcy, we understand you probably have questions and fears about what you can expect throughout the course of your current situation. Many times these fears turn out to be greatly exaggerated or unfounded. We can put your mind at ease about your legal options.

When handling a Short Sale in Las Vegas, we work with top real estate professionals to get your house listed and a buyer located as quickly as possible. Once an acceptable offer is made, we present your short sale package to your lender in the most favorable light possible. Our years of legal practice and ability to offer you all options make us uniquely qualified to obtain you the most favorable outcome possible.

The words “Bankruptcy” and “Short-Sale” may be scary to you now, but they won’t by the time you leave our office.

We can help you with the actions to take when dealing with the possibility of bankruptcy, including:

We can work with you through various forms of bankruptcy, including, but not limited to:

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Las Vegas bankruptcy lawyer Rodney K. Okano will explain your options so you can feel comfortable about the decision that you make. We work with you to customize an effective course of action to meet your particular needs. Our goal is to give you an immediate sense of relief knowing you have chosen an experienced, knowledgeable and caring Las Vegas bankruptcy lawyer on your side.

Schedule a FREE Consultation Today

To speak with Las Vegas bankruptcy lawyer Rodney K. Okano call (702) 566-3600 or use our contact form

Life After Bankruptcy

If you have been listening to the myths that exist about life after bankruptcy, you may be envisioning yourself with a poor credit rating, home foreclosure, or living in destitution without a car. These fears are unfounded and are not based on the true facts of living after Chapter 7 or Chapter 13 bankruptcy. You can usually keep your car during bankruptcy and most bankruptcy filers are able to stay in their homes.

At the Law Offices of Rodney K. Okano, we are a full-service Las Vegas bankruptcy law firm that serves clients throughout southern Nevada. We offer experienced and accessible representation, working closely with our clients before, during and after bankruptcy.

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Struggling with debt? It is important to be proactive as your debt problems will not go away by ignoring them. Knowing all of your options toward loan modification is essential before you file for any type of bankruptcy. To take the first step towards life after bankruptcy, please call us today at (702) 566-3600 for your free initial consultation.

Are You a Senior Citizen?

Social Security payments cannot be garnished like wages, so if Social Security is your primary source of income you may not need to file for bankruptcy. However, the peace of mind that comes with having debt problems resolved can be very beneficial as you continue to live out your golden years.

Helping You Every Step of the Way to Ensure a Smooth Transition into Life After Bankruptcy

To learn more about how our firm can help you put your debt problems behind you so you can enjoy life after bankruptcy, contact us today for a free initial consultation with a skilled bankruptcy lawyer.

Credit Card Debts & Medical Bills

Millions of Americans are crippled by credit card debts & medical bills. Especially for single parents, paying only the minimum payment will make only the slightest dent in the principal balance. You can make your minimum payment for years and make little or no progress. This situation is only made worse by the unfair fees and default interest rates imposed by the credit card companies.

How Filing for Bankruptcy Can Help You With Credit Card Debts & Medical Bills

Bankruptcy can free you from the shackles of debt. If you have an unmanageable debt load and are falling farther and farther behind each month, Bankruptcy may be the solution to your never ending cycle of debt. Filing for bankruptcy can completely wipe out many forms of debt, including credit card debts and medical bills. You may even be able to eliminate Income Tax debts, under certain qualifications.

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Contact a Nevada Bankruptcy Attorney for Immediate Help With Credit Card Debts & Medical Bills

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The Law Office of Rodney K. Okano is located in Las Vegas, Nevada. We have handled more than a thousand Bankruptcy cases and are pleased to offer our assistance to clients throughout Southern Nevada. To schedule a free consultation with a Bankruptcy Lawyer at our firm, call (702) 566-3600 or contact us via our contact form.

Bankruptcy & Divorce

Should You File for Bankruptcy Before or After Your Divorce?

This depends entirely on the specifics of your situation of your bankruptcy and divorce. For many couples, it is beneficial to file for bankruptcy while still married in order to file a joint petition and save money on filing fees. But if you are trying to qualify for Chapter 7 — which is income based and has no payment plan — you may have too high a joint income to qualify together.

While a married person may file an individual bankruptcy, all of the income and assets of the non-filing spouse must be declared on the bankruptcy filing and may be subject to seizure by the Bankruptcy Estate.

Contact Us

Divorce and bankruptcy can both be life-changing especially for couples who will file a small business bankruptcy. If you are facing them both, it is important to plan ahead by seeking the counsel of an experienced bankruptcy lawyer. Contact us today to arrange a free initial consultation about your bankruptcy & divorce with an attorney.

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At the Law Offices of Rodney K. Okano in Las Vegas, we work closely with men and women throughout southern Nevada who are considering bankruptcy and divorce. We can guide you through the process from A to Z, making sure you understand the full effect your pending divorce can have on your bankruptcy filing.

Bankruptcy Process

How long does the bankruptcy process take? The answer to this question depends on the form of bankruptcy process you file for. If you are able to meet the income requirements for the no-payment Chapter 7 bankruptcy, the discharge of your debt is likely to occur within 100 days of your initial filing, with your filing putting an immediate stop to creditor harassment.

If you file for Chapter 13 bankruptcy, your bankruptcy process will include a three to five-year bankruptcy payment plan. After the payment plan is complete, your debt will be discharged. As with Chapter 7, creditor harassment will stop as soon as you file.

At the Law Offices of Rodney K. Okano in Las Vegas, we are committed to helping people in southern Nevada through a difficult time. We have handled more than 1,000 bankruptcy cases for our clients, handling everything including cases for bankruptcy & divorce, all filings, hearings, and paperwork.

Ensure a Smooth Bankruptcy Process with a Free Consultation

To learn more about your bankruptcy options or to schedule a free initial consultation with a lawyer, contact us via our contact form. Or, call us at (702) 566-3600.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code to help them along their bankruptcy process.

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Timing of Filing for Bankruptcy

Nevada Chapter 7 and Chapter 13 Bankruptcy Attorney

In most instances, it is a good idea to be as pro-active as possible when pursuing bankruptcy. In the past, especially due to outstanding credit card debts and medical bills, clients have wiped out their 401k and other accounts in order to stay afloat, only to end up filing for bankruptcy at a later date. If they had scheduled their timing of filing for bankruptcy earlier, they could have achieved a fresh start without losing their life savings.

Timing of filing for bankruptcy is important. If filing for Chapter 7 — which will involve reviewing your past six months of income — it may make sense to file later if you have just lost a job. That will allow for a higher percentage of the six month period to show no or low income, increasing the likelihood that you will qualify for this no-payment form of bankruptcy.

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Timing of Filing is Important, But How Long Does Bankruptcy Take?

If you are filing for Chapter 7, the process usually lasts around 100 days. Chapter 13 bankruptcies — which involve a payment plan — usually last three to five years. Both forms of bankruptcy will provide immediate relief from creditor harassment and threats of wage garnishment.

At the Law Offices of Rodney K. Okano in Las Vegas, we have handled more than 1,000 bankruptcy cases for clients in southern Nevada. We can handle your bankruptcy case from A to Z, including all filings, hearings and paperwork.

Contact Us

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

To schedule a free initial consultation with a knowledgeable bankruptcy lawyer, contact us via our contact form. Or, call us at (702) 566-3600.

Bankruptcy Options

Nevada Individual Bankruptcy & Joint Filing Representation

You may select from a couple of bankruptcy options depending on your situation. Do you have to file jointly? No, you do not have to file bankruptcy jointly, but you do have the option. One married spouse can file for bankruptcy individually. However, as a general rule it is almost always better for a husband and wife to file together in order to take full advantage of all available bankruptcy options and exemptions. For instance, if one spouse files there will be one set of exemptions while the assets of both spouses will be eligible for liquidation. This could result in home foreclosure, losing more property to liquidation than would occur if both spouses file.

At the Law Offices of Rodney K. Okano in Las Vegas, we can help you explore your bankruptcy options and work diligently to achieve a result that protects your best interests. Bankruptcy Attorney Rodney K. Okano can handle your bankruptcy process from A to Z, helping you take the steps now to protect your well being into the future.

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Knowledgeable Bankruptcy Options Assistance — Contact Us

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

For more information about jointly filing for bankruptcy, including how it might affect your credit score, contact us today for a free initial consultation about your bankruptcy options.

Bankruptcy Payment Options

Payment Plans Available

At the Law Offices of Rodney K. Okano in Las Vegas, we make bankruptcy payments easy and affordable because we understand the struggles facing people in debt. We offer our clients throughout southern Nevada affordable bankruptcy services. We realize that many bankruptcy payment options should be available to stop creditor harassment or to prevent auto repossession.

For more information on our bankruptcy practice or to schedule a free initial consultation with an attorney, please call us at (702) 566-3600.

Installment Plans

We offer installment plans to our clients. This will allow us to begin putting together your case while you gather the funds necessary to move forward with the Chapter 7 or Chapter 13 bankruptcy process.

Are You Still Making Credit Card Payments?

If you have decided to file for bankruptcy, in most cases, it would make sense to stop paying on debt that will be wiped out as part of your bankruptcy. That will allow you to apply that money toward the fees associated with your bankruptcy.

las-vegas-bankruptcy-payment

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Do you have additional questions about bankruptcy or payment plans? Please contact us today for a free initial consultation with a lawyer. We look forward to helping you through a difficult time with our affordable bankruptcy payment options.

Bankruptcy Planning

If you think you may be filing for Bankruptcy at some time in the future, protect your rights by consulting with an experienced lawyer about your bankruptcy planning. The importance of taking the appropriate actions prior to filing for Bankruptcy can not be overstated.

The following basic guidelines should be followed prior to consulting with an experienced Bankruptcy Attorney. The guidelines are not a substitute for consulting with an Attorney, but rather, the guidelines are provided to instruct you on what to do while waiting to speak with an Attorney. Only after a complete assessment of your entire situation can any useful advice be given.

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Bankruptcy Planning: Need to Know Information

If you are thinking about filing for bankruptcy in Nevada, here are a few things you must know:

  • Do not transfer property out of your name prior to consulting with an Attorney.
  • Do not run up your credit card bills unnecessarily in an attempt to game the system.
  • Do not liquidate your 401(k) retirement account.
  • Do consult with an attorney who can help you determine if Bankruptcy is an appropriate solution for your particular debt challenges, and ensure you have the correct information on common bankruptcy myths.
  • Do consult with an attorney as soon as possible. Taking appropriate steps prior to filing for Bankruptcy may improve your chances of success and prevent auto repossession.
  • Do take the time to understand the difference between Chapter 7 and Chapter 13 bankruptcy. We offer a free consultation to determine which option is best for you.
  • Do retain an Attorney if you decide to file for Bankruptcy. You want a knowledgeable professional that understands the law and knows how to handle your case properly and educate you on bankruptcy planning.

Do Not Delay — Immediate Action Is Your Best Option

One of the mistakes that many people make is waiting too long to prepare their bankruptcy planning. They are so afraid of hurting their credit that they take months or years to address a problem that needs immediate attention. While Bankruptcy is not the right solution for everyone, it may be the best solution for you if you are struggling to pay your monthly bills.

If you think about it, making late payments month after month is not the best way to rebuilt credit. Continuing to make late payments is counter to financial recovery. By preparing your bankruptcy planning now, you can create a manageable debt load, reduce your debt to income ratio, pay your debts on time, and start to rebuild your credit rating sooner rather than later.

Contact Us

To speak with a Las Vegas Bankruptcy Attorney about your legal rights and options, contact the Law Office of Rodney K. Okano in Las Vegas, Nevada. To schedule a free consultation at our firm, call (702) 566-3600 or contact us by using our contact form.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Common Bankruptcy Myths

While bankruptcy may be the best option you have, there are many unfounded bankruptcy myths that can lead to unneeded worry and stress. Based in Las Vegas, Nevada, the Law Offices of Rodney K. Okano is a full-service bankruptcy law firm that serves clients throughout southern Nevada. We offer experienced and accessible representation to help clients through a difficult time. Our firm handles bankruptcy from A to Z, including all filings, hearings and paperwork.

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You Can Still File for Bankruptcy

When the bankruptcy code was significantly overhauled in 2005, many people were led to believe they could not longer file for bankruptcy — this is not true. While you may have to file for Chapter 13 rather than Chapter 7 due to income or other factors, we can still help you file for bankruptcy.

Take the first step in regaining control over your finances by calling our office today. Our legal team will make your bankruptcy planning as efficient and pain-free as possible. For a free initial consultation with a lawyer, call us at (702) 566-3600.

Bankruptcy and Good Credit are Compatible

As consumers become more educated and concerned about their credit scores, people have come to believe that bankruptcy will ruin their credit rating. In fact, filing for bankruptcy can actually improve your credit score over time. While it will hurt you initially and remain on your record for seven to ten years, it will begin to help your credit rating as a result of ending your legal obligation to repay the debts in question.

Your Employer Will Not Be Notified

Many people worry about their reputation at work taking a hit if their employer finds out about bankruptcy. Bankruptcy filings are public record and your employer could find out about your bankruptcy if they specifically choose to look for it. But chances are your employer will not take the time to specifically single you out and do a search for your bankruptcy filing. If you are a small business looking to file for bankruptcy, you need not worry about this.

Learn More About Bankruptcy

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

To find out more about how bankruptcy can help you put an end to your debt issues, please contact us today for a free initial consultation with an attorney. We look forward to helping you through your difficult time and making sure you understand the facts and not the bankruptcy myths.

Keep After Bankruptcy Lawyer

Nevada Asset Protection & Bankruptcy Exemptions Lawyer

The State of Nevada is more generous than most other states when it comes to bankruptcy exemptions. A Keep After Bankruptcy Lawyer like Rodkey K. Okano can provide you the information you need to take advantage of all the exemptions you can get. He’ll also be able to tell you when is the best time to file for bankruptcy.

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Exemptions for people who have lived in Nevada for at least 2 years

You will almost certainly be able to keep your car, in addition to the following exemptions if you have lived in Nevada for at least two years:

  • Homestead up to $550,000 (subject to limitations)
  • Retirement accounts up to $500,000
  • Motor vehicle up to $15,000
  • Household goods and furnishings up to $12,000
  • Tools of the trade/business inventory up to $10,000
  • Art and jewelry up to $5,000
  • “Wild Card” up to $1,000

If you file jointly with your spouse, you will have two sets of exemptions.

At the Law Offices of Rodney K. Okano in Las Vegas, we work closely with people throughout southern Nevada, providing accessible representation, honest legal counsel, and even eliminating our clients’ second and third mortgages. We will handle your bankruptcy from A to Z, including all filings, hearings and paperwork.

Contact an Attorney

What will you be able to keep during and after your bankruptcy? For a free initial consultation with a bankruptcy attorney, please contact us by calling (702) 566-3600.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

What to Consider when Choosing a Bankruptcy Attorney

The choices can be overwhelming when you are considering bankruptcy and need to contact a bankruptcy attorney. A simple Google search provides seemingly endless results, but how do you know which bankruptcy attorneys are worth contacting? In many instances, referrals are a great way to find a reputable lawyer, but most people want to keep their bankruptcy as private as possible. Asking friends and colleagues for a referral is typically not an attractive option.

Luckily, there are some important factors that you should look for when seeking a bankruptcy attorney. Exploring these factors requires only a little bit of legwork, but it could make a world of difference in finding a lawyer that you can trust. Some of the most important criteria are explored below.

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Is the Person or Entity Truly a Lawyer?

There is an unimaginable number of debt consolidation companies that claim they can save you from filing for bankruptcy. These entities do not work as your advocate to help you decide whether bankruptcy is indeed the appropriate solution for your financial troubles. Instead, many debt consolidation companies charge substantial fees without eliminating or reducing any of your debt. It is in their interest to always have you avoid bankruptcy, but often times, bankruptcy is the appropriate answer.

Is the Bankruptcy Attorney Experienced?

The amount of experience is paramount in what you should considering when choosing a bankruptcy attorney. Would you rather have a mechanic that has fixed 50 cars or 5,000? Just like anything in life, you can’t teach experience. With something important as your decision as whether to file bankruptcy – and who will guide you through it – it is crucial to find someone comfortable and experienced in handling bankruptcy cases. You don’t want to be an inexperienced attorney’s guinea pig.

A Focus on Bankruptcy

Much like experience, you want your attorney to have a heavy focus on bankruptcy. When looking at the lawyer’s website, does bankruptcy seem to be a primary area of focus? If personal bankruptcy help seems to be an afterthought, then you should probably keep looking. You want someone who demonstrates dedication to helping people through their financial problems.

In Conclusion

Finding the right bankruptcy attorney can make a world of difference. A little extra work now can pay dividends with your financial future. Ensure that your lawyer has ample experience in personal bankruptcy and single parent bankruptcy and has a heavy focus on that area of practice. The consultation should make a good impression – if it doesn’t, keep looking.

The Final Test

Now that you have your candidates, it is time to reach out and have the lawyers sell themselves. Many attorneys allow you to contact them by phone or a form on their website. While a busy lawyer may not be available immediately, they should be able to promptly return your call and set up a consultation. This doesn’t mean the man or woman is your attorney, it allows the lawyer to hear your story and determine whether or not they can help you. Of equal importance, it allows you to decide whether that person should be your lawyer.

The attorney should demonstrate confidence, knowledge and professionalism. It is also important that the lawyer listens closely to you when you speak. The bankruptcy attorney should be someone who you could envision yourself working with and trusting.

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