Debt Relief

Las Vegas Debt Relief Attorney

Comprehensive Debt Relief Assistance in Nevada

Being crushed by debt can be an overwhelming and lonely experience. If you are struggling with mounting payments and interest, it is time to turn to an experienced attorney to help you find financial freedom. Enter Fox, Imes & Crosby, LLC. Our debt relief attorneys in Las Vegas have over 50 years of hands-on experience helping clients throughout Las Vegas find relief from debt.  

Contact us at (702) 941-6320 to speak with a debt relief lawyer in Las Vegas!

Understanding Secured vs. Unsecured Debt

The first step in dealing with your debt is to understand what type of debt you have. Generally, there are two types: secured and unsecured debt. 

What is Secured Debt?

Secured debt is a debt that is attached to an asset, such as a 

What is Unsecured Debt?

Unsecured debt has no asset or collateral backing. The most common types of unsecured debts are from:

  •  Credit cards
  • Medical bills
  • Student loans
  • Civil judgments

Our attorneys at Fox, Imes & Crosby, LLC can help you understand your debt and work with you to get the financial relief you need. We stay up to date on the latest protections and restrictions, including those associated with the COVID-19 outbreak. We know that every case is unique, and our team will be by your side every step of the way. 

Debt Types We Can Help You Navigate

Our attorneys can walk you through your options regarding the following types of debt:

Automobile Repossession Solutions

With auto loans often being considered secured, most lenders will seek to repossess your vehicle after the loan is only two payments behind. Once the vehicle is repossessed, you only have 10 days to get it back. Filing for bankruptcy can help you keep your vehicle, and our team will help you decide if Chapter 7 or Chapter 13 is right for you. With Chapter 7, you may be able to work out a reaffirmation agreement. 

In Chapter 13, you can propose a plan to repay what you owe within 3-5 years. You may even be able to propose to pay the creditor the Fair Market Value of the vehicle instead of what you owe.

Managing Credit Card Debt

Credit card debt is almost always considered an unsecured debt. When you fall behind on payments, your credit card company may raise interest rates and tack on late fees, which means that it can take you even longer to pay off your balance. 

To make matters worse, many credit card agreements include universal default provisions—meaning missing one payment can lead to all of your credit cards raising interest rates. 

Credit card debt is one of the most common reasons for people to file for Chapter 7 bankruptcy. Our team will walk you through the filing process, and if you don’t qualify for Chapter 7, we can see if Chapter 13 can help you consolidate and reduce your debt.

Understanding Wage Garnishments

With so many people living paycheck to paycheck, a reduction in working hours, layoffs, or unexpected expenses can dramatically impact your debt-to-income ratio. This financial pressure is made even worse when a creditor comes out of the woodwork to garnish your wages. Garnishment is when a creditor you owe money to, who has sued you and won a judgment against you, gets a court order that allows them to take money from you.

 This can include taking money from your bank account, forcing your employer to turn over part of your paycheck, and even a forced sale of items you own.

If you are under a garnishment order, or even if you have been served with a lawsuit on a debt you cannot pay, reach out to Fox, Imes & Crosby, LLC. We are here to help you understand your options before garnishment overwhelms you. 

Dealing with Medical Debt

Even when you have insurance, unexpected medical issues can quickly turn into a serious financial burden. If you have medical debt or medical bills you know you will never be able to pay, talk to our attorneys at Fox, Imes & Crosby, LLC. We will take the time to understand your unique circumstances, walk you through all of your options, and teach you how bankruptcy may give you the relief you need. 

Filing for bankruptcy to get rid of medical debt does not mean that your doctor will never talk to you again or that you will never get medical care in the future. It is, instead a simple way to get a fresh start. 

Get in Touch with Our Las Vegas Debt Relief Lawyers

No matter the reason for your debt concerns, turn to our attorneys. We are committed to helping our clients find ways to build a more financially free future. 

To schedule a consultation with one of our knowledgeable Las Vegas debt relief attorneys, call us at (702) 941-6320 or fill out our quick and easy online form. 

Commonly Asked Questions

How can bankruptcy help with student loans in Nevada?

While student loans are generally not dischargeable in bankruptcy, there are specific circumstances under which they can be addressed. In Nevada, filing for bankruptcy may provide temporary relief from collection efforts and allow you to reorganize your finances. Additionally, if you can demonstrate undue hardship, you may be able to discharge your student loans through a separate adversary proceeding. Our Las Vegas debt relief attorneys can assist you in exploring these options and determining the best course of action for your unique situation.

What options are available for student debt relief in Las Vegas?

In Las Vegas, there are several options for student debt relief that can help alleviate the financial burden. These include income-driven repayment plans, loan forgiveness programs, and potential bankruptcy options for certain types of student loans. Our attorneys can guide you through the process of evaluating your eligibility for these programs and help you understand the implications of each option. By working with a knowledgeable team, you can find a tailored solution that fits your financial situation and helps you regain control over your finances.

WHY CHOOSE FOX, IMES & CROSBY

  • Flexible Payment Structure
    We work with you to create a payment plan that will work with your budget!
  • Over 50 years of experience
    At Crosby & Fox our team has over 50 years of combined experience.
  • Dedicated To Our Clients
    Our team is dedicated to helping our clients get the relief they need.

Contact Us Today

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Hear From Our Happy Clients

At Fox, Imes & Crosby, LLC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "I am grateful for Troy and how he handle my case & would & did recommend Mr. Fox to family & friends."
    I hired Troy Fox to complete my bankruptcy for me & had a great service once I completed my paperwork Mr. Fox did the rest - I did not have any issues & it helped me a lot at a very difficult time for me - I am grateful for Troy and how he handle my case & would & did recommend Mr. Fox to family & friends.
    - Stacy L.
    "I would definitely recommend Crosby & Fox for a bankruptcy service."
    I would definitely recommend Crosby & Fox for a bankruptcy service. His service is not only fast and efficient but Troy is a very kind person, patient and profesional. Every question I had he would answer right away I had my case closed in no time and everything worked out very convenient. Thank you Troy for all your help!!
    - Misdraim G.
    "Highly, highly recommend them for your debt solutions."
    If I could give them 10 stars, I would. Troy is attorney extraordinaire and went above and beyond my expectations. I highly, highly recommend them for your debt solutions.
    - Debra M.
    "Crosby & Fox have helped me through some very very stressful and difficult times in my life!"
    Crosby & Fox have helped me through some very very stressful and difficult times in my life! Thank you again, Troy!
    - Joe D.
    "I am so grateful for his help and advice in this difficult time."
    Thank you, Crosby & Fox, LLC, so much for giving me the legal advice that I so needed. I visited Mr. Fox's office on my 64th birthday and only two weeks before lost my husband of 40 years. Mr. Fox gave me the advice that I needed in order to move on to the next phase of my life. He made me feel like I still have someone on my side watching over me. I am so grateful for his help and advice in this difficult time.
    - Steven B.
    "He was professional, efficient, informative, experienced, trustworthy and supportive."
    If you are considering bankruptcy, we highly recommend Crosby and Fox Law Firm. Attorney Troy Fox represented our case. He was professional, efficient, informative, experienced, trustworthy and supportive. We were pleased to have chosen Crosby and Fox law firm to represent us.
    - Louis H.
    "Troy is an absolute professional."
    Troy is an absolute professional. Our challenge was overwhelming medical bills and he discussed all the options with us and chose what was best for us and our situation. He's a great people person and has a way of setting your mind at ease. I would highly recommend him.
    - Debbie H.
    "A very down to earth law office."
    A very down-to-earth law office and do the job in a professional manner. I'm thanking Atty.Fox and Candy for the nice and human approach in me every time I went to the office. More power to all the people out there.
    - Renaldo C.