Chapter 7 Alternatives


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Alternatives Available to you

If you are engaged in a business, including a corporation, partnership, or a sole proprietorship, you should consider filing a Nevada Chapter 13 Bankruptcy. It would allow you to keep your business and to keep operating it and earning income from it. Your debt would either be reduced or reorganized, or the time for repayment would be extended.

Even if you do not own your own business, but you do have an income, a Nevada Chapter 13 Bankruptcy would allow you to save your home from foreclosure, for instance.

If your current monthly income is more than the Nevada State Median Income, the Bankruptcy Code requires application of a “means test” to determine whether the chapter 7 filing is presumptively abusive.

Another option to a Nevada Chapter 7 Bankruptcy open to you is out-of-court agreements with creditors or debt counseling services, such as loan modifications.

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