Attorney Rodney K. Okano represents clients facing overwhelming debt and collections in Chapter 7 and Chapter 13 Bankruptcy. Mr. Okano’s clients are individuals, married couple and small businesses that are faced with debt collections, lawsuits, foreclosure and repossession. Since 2001, Mr. Okano has represented clients from all over Southern Nevada, including Las Vegas, Henderson, and North Las Vegas. Mr. Okano will guide your case through the bankruptcy process that starts with immediate relief from collections and foreclosure. The ultimate goal is to obtain a financial fresh start free of unmanageable debt.

Bankruptcy is provided for in Title 11 of the United States Code. The primary purpose of Bankruptcy is to give the debtor a fresh start, free of unmanageable debt. The secondary purpose of Bankruptcy is the orderly administration of available assets. The debtor is given a fresh start so long as if there any non exempt assets, such are used to pay creditors. Regardless of how much it pays, the debtor is given a fresh start. The Bankruptcy Estate administers the non-exempt assets in a manner that gives all creditors the opportunity to participate in any distribution. This prevents one creditor from gaining all of the limited assets and leaving other creditors with nothing.

The reality is that most consumer Chapter 7 Bankruptcy cases are zero asset cases. That means the debtor keeps all of his property and creditors are paid nothing.

The Bankruptcy Process
At the Law Office of Rodney K. Okano, we make filing for Bankruptcy easy. Most consumer Chapter 7 Bankruptcy cases follow this basic process.
Initial Consultation
At your initial consultation Attorney Rodney Okano will listen to your situation and gather information from you. Attorney Okano will advise you about your bankruptcy options and what type of relief you may expect.
Credit Counseling (1st Course)
The law requires you to complete a Credit Counseling course. This course is approximately 1 to 1-1/2 hours and may be completed online.
Bankruptcy Case Filing
The Bankruptcy case filings consists of the Petition, Schedules, Statements and Means Test. The Law Office of Rodney K. Okano will prepare all of the require documents for you. After you have reviewed your draft Bankruptcy documents and all corrections have been made your Bankruptcy case will be filed with the Court.
Automatic Stay
The most important thing that happens upon the filing of a Bankruptcy case is the Automatic Stay. The Automatic Stay is a Bankruptcy Injunction against your creditors preventing them from commencing or continuing collection activity against you. The Automatic Stay stops home foreclosure, wage garnishment, automobile repossession, harassing collection calls and letters. There are some limitations on the Automatic Stay. These limitations need to be individually addressed with a lawyer.
Financial Management (2nd Course)
The law requires you to complete a Financial Management course. This course is approximately 1 hour and may be completed online.
341 Meeting of Creditors
The Meeting of Creditors is a hearing in which the debtor is examined under oath. A Trustee is appointed in every consumer bankruptcy case. The Trustee heads the meetings and questions the debtor on the information contained in her bankruptcy documents.
The Discharge is paramount to the debtor seeking relief from debt. The Discharge is the elimination of dischargeable debt.