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Nevada Bankruptcy Questions & Answers
2 Answers | Asked in Bankruptcy for Nevada on
Q: What is a trustee's final report and account?

I had a voluntary dismissal of my chapter 13 case about 4 weeks ago. I received notice that the case was closed however I have not received trustee's final report and account. What is it?

How long does it take to get?

Lloyd M. Nolan
Lloyd M. Nolan answered on Oct 21, 2021

The Trustee is required to make the report. It is merely an Accounting of what monies you paid in, what amounts the Trustee paid out, the Trustees fees and the balance if any remaining and where it went. The Trustee is showing you and the Court where the money went. You don't need to fo... Read more »

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1 Answer | Asked in Bankruptcy, Employment Discrimination and Employment Law for Nevada on
Q: Can they take back a job offer due to ch. 7 bankruptcy?

Files last year due to covid and most of income from partner. Got job offer and they’re doing background check. Only negative thing would be the bankruptcy. Can they take back offer due to that?

Timothy Denison
Timothy Denison answered on Jul 10, 2021

They can take back their offer for any reason or no reason at all, at any time.

1 Answer | Asked in Bankruptcy, Consumer Law and Contracts for Nevada on
Q: I have a charge off on my vehicle. I was never notified and it has a 0 balance, I have the vehicle and bankruptcy wasn’t

I was never notified and NEVER missed a payment. Furthermore they applied my payments to the wrong account equaling 7000. Do I have any recourse?

Timothy Denison
Timothy Denison answered on Apr 12, 2021

You can file claims with the three credit bureaus to correct the record. If they do, problem solved. If not, file suit against the company to correct the error.

1 Answer | Asked in Bankruptcy, Banking, Collections and Gov & Administrative Law for Nevada on
Q: I'm filing for bankruptcy own my house my niece is living in it while I live with my mother. Can they seize my house?

I live in my mother's house to take care of her, so I let my niece live in my house.

Timothy Denison
Timothy Denison answered on Mar 25, 2021

These questions need to be answered by your bankruptcy attorney after he has reviewed your finances.

2 Answers | Asked in Bankruptcy for Nevada on
Q: My late mother paid a lawyer to file bankruptcy and paid him over $1000. Is her estate entitled to a refund?

My mother died while in the bankruptcy process with a lawyer, but when I asked another lawyer to search bankruptcy databases, he found nothing. So is my late mother's estate entitled to a refund from her lawyer?

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Nov 11, 2020

Probably not. Most of the lawyer's work in a consumer bankruptcy, Ch. 7 or 13, must be done before the bankruptcy case is filed. Certainly, the Estate representative can request an accounting/refund from the bankruptcy lawyer, but you can expect that he/she will prepare a bill, showing time... Read more »

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3 Answers | Asked in Bankruptcy for Nevada on
Q: Can I file chapter 13 bankruptcy on 2 loans that my ex Cosigned on if my divorce decree states I will take on the debt?

My ex-wife co-signed a personal loan and vehicle loan while we were still married. Our divorce recently finalized and in the divorce decree it states that I will take responsibility for both loans. I am past due on both loans due to loss of income. I had to switch jobs due to medical issues.... Read more »

David Luther Woodward
David Luther Woodward answered on Nov 7, 2020

This needs the attention a good, local bankruptcy lawyer.

On general principals a Chapter 7 can discharge your obligations, but that does not discharge the debt on her part--she still owes it. Depending on the terms of your divorce decree it is possible that the divorce court could still...
Read more »

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1 Answer | Asked in Bankruptcy for Nevada on
Q: I filed Ch. 7 in Dec. I exempted my tax return for estimated $1500. Looks like I'm getting more. Can I protect it?

Just received my w2 and since my income took a dive and I had a new child, I'm getting more than I thought I would.

Timothy Denison
Timothy Denison answered on Jan 19, 2020

You can protect more of your refund up to the remaining g unused exemption amount in your state or under the federal exemptions.

1 Answer | Asked in Bankruptcy for Nevada on
Q: I am 89 years old and live on Social Security and Cal Pers with no assets . Am I protected from judgments?

Am I considered judgement proof?

Timothy Denison
Timothy Denison answered on Jan 15, 2020

You should be judgment proof, yes.

1 Answer | Asked in Bankruptcy and Real Estate Law for Nevada on
Q: one of the judge mental I filed one 5 years ago put a lien on my house I bought two years ago. How do I get rid of it?

I purchased my home 2 years ago. I filed chapter 7 5 years ago. One of the judgements I filed on has put a lien on my home I purchased years after my bankruptcy and now it’s holding up the sale of my house. How do I get rid of it?

Timothy Denison
Timothy Denison answered on Nov 23, 2019

Provide the judgment creditor proof that the debt was discharged in bankruptcy.

1 Answer | Asked in Bankruptcy and Family Law for Nevada on
Q: My daughter and her two girls moved in with me. My son in law pays nothing. I’m going broke. How do I get him to pay?

Daughter has him living in my house. Against my desire. But is now fed up

Timothy Denison
Timothy Denison answered on Aug 17, 2019

Tell him his share of the monthly payment and pay up or have him removed from the house.

2 Answers | Asked in Bankruptcy for Nevada on
Q: Can you file a chapter 13 Four months after you get a standard discharge from a chapter 7.
Clark Dray
Clark Dray answered on Jun 21, 2019

While you can file a Chapter 13 immediately after a Chapter 7, you're not eligible for a discharge of debts unless 4 years have passed between the filing of the 7 and the filing of the 13. A 13 filed within 4 years of a 7 would simply provide for the repayment of debts without a discharge of... Read more »

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1 Answer | Asked in Bankruptcy for Nevada on
Q: If you file a chapter 7 and get a standard discharge. Can you file a chapter 13 Four months later?

I filed a chapter 7 on 5/03 and received a standard discharge on 10/03. Then I filed a chapter 13 on 2/04 and it was dismissed on 7/04. filed another 13, 8/04 and it was dismissed 2/05. I didn't really file the two chapter 13 but it shows I did but I know who did. My question is this possible?... Read more »

Clark Dray
Clark Dray answered on Jun 21, 2019

While you can file a Chapter 13 immediately after a Chapter 7, you're not eligible for a discharge of debts unless 4 years have passed between filings. Because the two Chapter 13 cases were dismissed, they're not especially relevant from as legal standpoint. However, if you file... Read more »

1 Answer | Asked in Bankruptcy for Nevada on
Q: What is the direct impact of a bankruptcy on your crefit report
Timothy Denison
Timothy Denison answered on Apr 21, 2019

Your credit score will be drastically reduced and credit will cost you more than someone with good credit. However, many lenders will be happy to lend you money upon conclusion of your bankruptcy bc they know you can’t file again for eight years. It also provides you with a relatively easy... Read more »

1 Answer | Asked in Bankruptcy for Nevada on
Q: Can I open a new checking account immediately after filing Ch 7 without reporting an amended A/B asset form?

I just filed for Ch 7. And just 1 day later my main bank which I have checking, savings, and a credit card with sent me a letter notifying me that all my accounts will be closed because they received notice of my filing. I immediately applied for a new account elsewhere. Will I need to report and... Read more »

Timothy Denison
Timothy Denison answered on Mar 18, 2019

No. If you are creating and establish g the new account post petition, you should not have to report or amend.

1 Answer | Asked in Bankruptcy for Nevada on
Q: Should I list this transaction in my chapter 7 schedules?

Between April and May 2018, my Cousin needed a car and I felt I could not afford to keep up the payments on my 2013 Honda Civic Hybrid. She applied for a loan with her Credit Union and they had me sign over my interests and give them power of attorney. They then paid off my car loan in full with my... Read more »

Timothy Denison
Timothy Denison answered on Feb 23, 2019

Absolutely and in complete detail.

1 Answer | Asked in Bankruptcy for Nevada on
Q: I live in Las Vegas Nevada and am filing bankruptcy separately from my wife.

My wife owns our home which she bought in 2003. The title is recorded in her name only as her sole and separate property and the mortgage and taxes are in her name only. At the time she bought the home, I signed a quit claim deed giving up all interest in the property. Additionaly, in 2011, she... Read more »

Timothy Denison
Timothy Denison answered on Feb 15, 2019

Yes. There is still an equitable interest that you should list as an asset on your petition. Consult your Bankruptcy lawyer as to the further ramifications of the interest, but you should list it out of an abundance of caution.

1 Answer | Asked in Bankruptcy for Nevada on
Q: I have a personal injury lawsuit, pending against me which arose from a minor accident. alcohol was NOT involved.

I was already getting ready to file chapter 7, due to stroke, when I was surprised with this. I am home owner and afraid of property lien. can it be included if found against me

Timothy Denison
Timothy Denison answered on Dec 10, 2018

Yes, it can. E included, but it might be better to go ahead and file, especially if you were going to file anyway.

1 Answer | Asked in Bankruptcy for Nevada on
Q: rent due 12\5.money orders bought on 12/5.no dropslot @ office 12/6 7:55AM Pymt denied(its partial pymt) need late fees

How can a person who is barely surviving paycheck to paycheck waiting for paycheck to pay rent supposed to leave their job without consequences to make it in time to rental office before they close to pay rent ? If you don't make it in time by few minutes before the office closes then your... Read more »

Timothy Denison
Timothy Denison answered on Dec 6, 2018

Unfortunately, every thing that you say is true but their demands and fees are within their rights.

2 Answers | Asked in Bankruptcy for Nevada on
Q: Can I be forced to use retirement (IRA) funds to pay credit card debt when filing chapter 7 bankruptcy?
Stuart Nachbar
Stuart Nachbar answered on Oct 2, 2018

If your jurisdiction follows the federal exemptions, then the answer is no if in qualified retirement account. Check with an attorney in your state who specializes in bankruptcy

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