• Credit Cards

• Repossessed Vehicles Debt

• Medical Debts, including Medical Liens

• Uninsured or Under-insured Vehicle Accidents

• Court Judgments

• Pending Lawsuits

• Student loans

• Solar and Water System Debt

• Unpaid Rent, Evictions, and Breach of Lease Claims, both personal and business

• Utility Bills

• Breach of Contract

• Personal Loans

• Business Loans and other debts

• State Tax Debt

What is the difference between Debt Settlement and Debt Consolidation?

A Debt settlement is when a creditor agrees to accept less to consider a debt “paid in full.” In contrast, Debt consolidation lets you make one payment towards repaying most or all of your debts. However, genuinely consolidating debts requires you to go to a new lender to repay your debts or settle them for a reduced amount.

But this is the catch – companies that offer “debt consolidation” aren’t lenders. Your state government must license every Lender. The loan business is highly regulated. However, debt consolidation companies do not to follow government . They also certainly do not want the government to look at them too closely. So instead, they offer debt settlement which they disguise as debt consolidation. This sleight of hand has an essential purpose – to make them more money, to hide from any responsibility to their customers, and to make repaying your debts impossible. So while you believe your payments are going to your creditors, your payments are only paying the fee to the “debt consolidation company.”

Debt consolidation companies don’t begin negotiations to repay your debts until you pay their fees in full and have money on deposit to pay out a settlement. As a result, people often make payments for years. While this takes place, these debt consolidation companies do nothing to earn their hefty fee.

How Does Debt Settlement Work?

Debt settlement works because collecting is difficult and expensive if someone isn’t voluntarily paying. As a result, a skilled negotiator can negotiate terms to settle your debts at a discount. Depending on the circumstances, your savings might be modest or substantial. Debt settlement is a good option for someone who can pay part of their debts but struggles to get on top of all of them. In addition, debt settlement offers the advantage of letting you overcome debt struggles without having to disclose your financial circumstances publically. 

Each method of debt relief has advantages and disadvantages. So at Las Vegas Debt Settlement, our Las Vegas debt settlement attorney recommends keeping an open mind. If you need advice, consult a debt settlement lawyer who thoroughly understands Debt Solutions law. At Las Vegas Debt Settlement, Attorney Dorothy Bunce can answer your questions so that you understand your options before you make this important decision.

Can All Debts Be Taken Care Of With Debt Settlement?

Debt Settlement only works if a creditor agrees to settle. No one, not even a Judge, can force a creditor into settling. So, of course, debt settlement involves some risk. At Las Vegas Debt Settlement, our debt attorney Las Vegas, NV believes our clients should understand their risks and limit them whenever possible. So our retainer fee is modest. We don’t earn our fee until we obtain the results you want. Also, we don’t require you to give us your settlement funds until we have a settlement agreement. Although some clients ask us to do this, at Las Vegas Debt Settlement, we don’t require this.

Is Debt Settlement a Good Idea?

Before deciding, you have several issues to consider. Are your goals realistic? While Debt Settlement works for many people, it for others. Debt settlement will only be successful if there has been a  careful evaluation of your circumstance. Reach out to an experienced debt settlement lawyer, such as Las Vegas Debt Settlement in Las Vegas, to receive an objective analysis about debt settlement.

Advantages of Debt Settlement.

• Stops creditors and collectors from harassing you.

• Could reduce your debt.

• Keeps your financial information private.

• Does not affect what you own.

Disadvantages of Debt Settlement.

• Creditors may refuse to negotiate.

• Because of interest and late payment fees, you may have more debt.

• Your credit may see a negative impact.

Speak with a skilled debt settlement lawyer at Las Vegas Debt Settlement today. We negotiate with your creditors and find the solution that works best for you.

Is Debt Settlement Right For Me?

Your chance of success will increase if you hire an attorney who knows the ropes and knows those working for your creditors. Is debt settlement the ideal option to get your debt under control? Before answering, at Las Vegas Debt Settlement, we will first analyze your circumstances. If you are not likely to be able to afford to settle your debts, we will tell you this. If you expect unrealistic results, our debt settlement attorney near you in Las Vegas, NV will also explain why. Choosing debt settlement is an important decision. Because one size does not fit all, the team at A Fresh Start Law suggests considering many factors before making a final decision.

A lien is a legal tool that affects the title to property. When a lien is in place, the owner no longer wholly owns the property. Instead, the owner has lost a “clear title” to the property. The property ownership is now “subject to the lien,” meaning the mechanics liens or other lienholder must agree to remove it. An owner can only transfer a clear title if the lien is released. Releasing a lien typically involves paying the total cost of the mechanic’s services and parts, plus interest and, of course, any legal fees.

This payment is usually made to the lienholder, who then issues a lien release document. This document is then filed with the appropriate government agency, such as the DMV or County Recorder, to release the lien officially. Lliens can substantially affect someone’s property ownership interests. A lien won’t disappear when the owner signs a title document to someone else.

For instance, if a mechanic repairs your vehicle in Nevada, as in many other places, the mechanic can keep possession of it until you pay the bill. However, even if the owner has possession of their vehicle after a mechanic makes repairs, the mechanic may claim a lien. This lien is not just a financial burden, it’s a loss of part of the owner’s property rights. Transferring vehicle titles is done through the State DMV, so the lien is recorded with the DMV. Any effort to give or sell the vehicle will be thwarted by DMV when there is a lien.

DMV will only let you obtain a title to give to another person once the lien is released. If the mechanic possesses the vehicle, the owner may only have a brief time to pay the lien. The mechanic can acquire complete vehicle ownership due to a mechanic’s lien if the vehicle is in the mechanic’s possession.

Another example is if an air conditioning repairman, plumber, roofer, solar company, water softener company, or other licensed professional performs work or provides materials to your home or any other real estate you own. These professionals can easily take their bills to the county recorder’s office and fill out a simple form to create a lien. This lien then prevents you from transferring the title to someone else. Because a lien against real estate is attached to the Deed, borrowing money against the property or obtaining title insurance is only possible once the lien is repaid. The lien must be released to obtain a complete or “clear” title.

If a mechanic repairs your vehicle, he can keep it until you pay the bill. Obviously, you will pay your mechanic for the repairs he makes. Or if a roofer does work on your home, he can record the bill in the county so that you are required to pay him. So pay your roofer and other contractors for the work they perform.

The crucial part of the mechanics liens is that it can be implemented without the permission or even knowledge of the property owner. The mechanics liens must only claim that they provided work, materials, or both and were not paid. Proving this claim is not required to place the lien on the property.

Laws governing mechanics liens in Nevada are set out in NRS 108.221 to 108.246. These laws are intricate and multifaceted. It is crucial to understand these laws when dealing with liens on property, be it a vehicle, boat, or real estate. The frustration of both the mechanics liens imposing the lien and the property owner losing their property rights is a testament to the complexity of this law. While paying the lien in full is one way to remove it, there are other strategies or loopholes that can also eliminate mechanics liens.

An attorney with lien experience, such as A Fresh Start Law, can simplify the removal of these liens. It’s important to note that bankruptcy generally will not remove a lien.

Often, people only discover a lien once they wish to sell the property. Liens are found when someone dies, leaving the real property and the mechanics liens responsibility to their heirs. Unfortunately, even death does not release a lien, which could last for many years.

A judgment lien is one of the worst things to happen to someone who owns real estate. In Nevada, judgment liens are controlled by Nevada law, in NRS 68.040. A judgment lien ties up the title to your property for up to six years and can be renewed repeatedly. As a result, a judgment lien, like a Vampire, can enjoy virtual immortality. A judgment lien will also appear on your consumer credit report, which is one of the most damaging issues that may be on your credit report.

If a creditor sues you and wins, their Court judgment can be recorded with the County to force you into paying the debt. The lawsuit may have been over a credit card debt, a medical bill, a car accident, or a dispute over any other civil matter. Your choice may appear to be either pay or settle it. Fortunately, experienced debt lawyers such as Las Vegas Debt Settlement are familiar with loopholes to remove a judgment lien, such as [specific examples of loopholes].

Even though a judgment lien can be removed, take it seriously. A judgment lien affects the title to any real property you own in the County. When a lien is in place, the owner no longer wholly owns the property. Instead, the owner loses the “clear title” to the property, and ownership is now “subject to the lien.” The party holding this lien must agree to remove it or take legal action to remove it. An owner can only transfer a clear title if the lien is released.

Releasing a lien can require paying the total amount of the judgment plus interest and, of course, any legal fees. Payment would be made to the lienholder, who then issues a lien release document. This document is then filed with the County Recorder, and this officially releases the lien. Judgment liens can substantially affect someone’s property ownership interests. These liens won’t disappear when the owner signs a title document to someone else.

In some situations, a judgment lien can be removed by a particular proceeding in bankruptcy court. But bankruptcy doesn’t automatically remove a judgment lien.

Judgment liens can also be removed if the real property affected by the lien is your home. However, under Nevada law, you must record a Declaration of Homestead to obtain this benefit. This process involves completing a two-page form (available on the County website) and paying the County Recorder a fee of around $45.

While most creditors with a judgment lien will not try to sell your property by the foreclosure process due to the Homestead laws, creditors often fail to follow the laws correctly. If you are faced with a judgment lien that takes away your legal rights to the title of your home or any other real estate, contact Vegas Debt Solutions. This law firm has the experience to remove this lien and restore your property rights.

Unfortunately, people only discover a judgment liens once they wish to sell the property. Since it can take some time to remove a judgment lien, taking time to remove the lien may jeopardize the sale. In other circumstances, the heirs may discover judgment liens when someone dies. Unfortunately, even death does not release a lien. Experienced legal action is required. Title companies will pay off the lien when they sell the property. However, title companies do not represent your interests in issuing title insurance.

They only can act as a neutral third party to a transaction of limited scope. As a result, will not look at ways to remove the lien. If someone relies on a title company to enforce their legal rights to remove a judgment lien, it will likely cost a property owner or their heirs thousands of dollars. It’s important to understand that it is not the job of a title company to represent a property owner. Further, title companies are not equipped to handle judgment liens most cost-effectively. Retaining a law firm like Las Vegas Debt Settlement to solve a judgment lien can save you significant money.

Hospital liens are a problem that few people, even lawyers, realize exists. However, under NRS 108.585 – NRS 108.660, Nevada law allows any hospital to place a lien against real estate someone owns. Such a lien prevents the property owner from having control over their property. It doesn’t matter if the hospital is a public entity, such as University Medical Center, a charitable hospital like St Rose, or even a private hospital. When someone receives medical treatment in a hospital, the hospital can claim an interest in any real estate they own, called a lien, for any remaining bill.

A lien is a form of claim tool that affects the title to real estate. With a lien placed on the property, the owner no longer wholly owns the property. Instead, the lienholder now has an ownership claim to the property, and the owner has lost their “clear title.” The property is now “subject to the lien,” meaning the other lienholder or a court must agree to remove it.

An owner can only transfer their property with a clear title when the lien is released. Releasing a lien may often involve paying the total amount the lienholder claims, plus interest and, of course, any legal fees. A lien is filed with the appropriate government agency, typically the County Recorder. So, to release the lien officially. Hospital Liens Lawyer Las Vegas can substantially affect property ownership interests. A lien will remain even if the owner transfers the title over to someone else.

Even those who have medical insurance can face a hospital liens. Insurance companies can be slow to pay hospital bills. And while the insurance company is processing the hospital’s claim, the hospital may record a lien upon any real estate you own, including your home. The hospital doesn’t have to warn you before placing this lien. And since this lien isn’t subject to legal oversight, the hospital is supposed to carefully follow legal procedures. However, hospitals often make mistakes.

More importantly, they may neglect to remove these liens once an insurance company has paid them. This is where the expertise of Attorney Dorothy Bunce of Las Vegas Debt Settlement comes in. With her successful track record of removing Hospital liens and saving her clients tens of thousands of dollars, you can trust that your case is in good hands. And the cost of hiring us to do this is modest, providing you with financial ease in this stressful situation.

Finding out about a hospital liens Lawyer Las Vegas is always upsetting. Since the hospital may never have notified you before taking this action, this discovery may come at the worst possible moment. For example, you may only find out about it after a title search when trying to sell or refinance your home. In these situations, someone may find the hospital has them at their mercy because these transactions must often be completed quickly.

If a Nevada Hospital has imposed a lien on your home on an old medical debt, our attorney at Las Vegas Debt Settlement may be able to get it removed! How can we help you? You might owe.  University Medical Center (UMC)

Sunrise Hospital

Valley Healthcare

Dignity Health – St Rose Hospitals

Henderson Hospitals

Summerlin Hospital

Southern Hills Hospital

North Vista Hospital

Or any other Nevada hospital.

Even if you have medical insurance, Nevada law lets the hospital record a lien affecting any real estate you own, including your home. The hospital doesn’t have to warn you before placing this lien. However, because this lien isn’t subject to legal oversight, the hospital is supposed to follow legal procedures carefully. However, Hospitals often make mistakes. As a result, our law firm has successfully removed Hospital liens. We have saved our clients tens of thousands of dollars. And the cost of hiring Attorney Dorothy to do this is modest.

Liens are one method creditors use to collect money owed to them. A Tax liens allows certain creditors to claim a partial interest in your title to your property. A creditor with a lien has taken away part of an owner’s right to their property. The owner has lost “clear title” to their property. Instead, the property is now “subject to the lien,” meaning the owner can’t sell or borrow against the property without permission from the lienholder.

A tax lien is filed with the County Recorder. Tax Liens won’t disappear by taking the property out of the owner’s name. Any strategies you will likely develop on your own will probably not work and may even subject you to criminal prosecution. So, solving a tax problem requires professional help.

While CPAs, Enrolled Agents, and tax professionals encounter tax debt issues infrequently, at Las Vegas Debt Settlement, we help people with debt problems every day, including those with large tax debt. Our sole focus is on finding solutions to your tax debt, regardless of its origin. You can trust our expertise to guide you through this challenging situation.

Unlike other creditors, the IRS and other tax authorities can file liens that impact all your property. Tax liens are particularly strong because they affect not only real estate but also other assets you own, even assets ordinarily protected under state and federal exemptions laws. Tax liens can even result in you losing your property through foreclosure, attachment, or repossession. A tax liens covers everything you own: your home, your vehicle, money in your bank accounts, and even your retirement savings and social security benefits.

Often, a tax lien is a huge surprise. Someone may have owed back taxes for years, but the IRS only has sent out the occasional letter saying a balance is owed. So many people who were initially scared of the IRS come to believe that the IRS is all bark and no bite. Lulled by the IRS’s inaction to collect, they optimistically believe that the IRS has ‘bigger fish to fry’, such as high-profile tax evaders or large corporations, or won’t come after them. Then, one day, out of the blue, the hammer hits, and you are in big trouble. And then you end up ‘learning the hard way’ about tax debt.

Tax Liens

It is Important to Take Tax Letters Seriously!

Government tax authorities typically follow the required procedures when implementing liens, but they are not infallible. It’s crucial for the taxpayer to take this debt seriously, as the consequences of inaction can be severe. The lack of immediate threats from the government can lead individuals to underestimate the seriousness of their tax debt. However, the reality is that the authorities can seize your property, often without warning, if you fail to pay.

If you discover a tax lien, it is an emergency. Unfortunately, a tax liens lets the government take your property for your tax debt and pay any interest and penalties you owe. Often, the interests and penalties cost more than the underlying tax debt. However, the Las Vegas Debt Settlement team can immediately help solve this overwhelming problem. We will work with you to negotiate with the IRS, set up a payment plan, or explore other options to resolve your tax debt. But be realistic. There aren’t many situations where someone can pay ‘pennies of the dollar’ to settle tax debts. The TV ads you used to see were pulled off the air because they were false.

Remember, there are solutions to resolve tax debt, but it’s crucial to take action sooner rather than later. Once the government records a tax liens, the best result may not be possible. In Nevada, Las Vegas Debt Settlement is here to help you navigate this process and find the best possible resolution for your tax debt.

While the news and social media “influencers” describe the many advantages of “going solar,” they seldom mention the evil ways these products can be marketed and financed or the many ways that things can go wrong.

And after moving to southern Nevada, we discover hard water makes our skin itch and doesn’t clean well. Salespeople come by, call, or send us flyers. At some point, we fall for the pitch and buy something that costs far more than it is worth because “it saves money” and is available with “easy financing.”

And we wish we had asked more questions. For example, the lender may record a lien on our home as part of financing a solar or water treatment liens system. In some instances, the company promising to service these systems disappears. But the debt and the lien remain to ensure the finance company gets paid.

Las Vegas Debt Settlement can help resolve financing issues of solar and water treatment liens systems and find ways to eliminate any lien on your property.

Something similar happens with water treatment liens or conditioning systems. Although these systems are less expensive than solar systems, water softeners or conditioning systems are often sold at an exorbitant markup at a fair cost, with financing terms that could be more ethical.
Salespeople come by, call, or send us flyers for these products. Some even troll the aisles at Costco. At some point, we fell for the pitch and bought something costing far more than it was worth because “it will save money” and is available with “easy financing.” However, this logic may have led to our financial woes.

It’s important to remember that you’re not alone in this struggle. Many homeowners, just like you, are facing the same challenges. It’s a familiar story for those who face a lawsuit, claims against their home title, or even bankruptcy with debts for solar or water conditioning systems, often leading to the decision to return them to avoid further financial strain.

In hindsight, we often wish we had asked more questions. But it’s crucial to remember that when dealing with a dishonest salesperson, they always have a dishonest answer. So, please don’t blame yourself for their deceitful tactics. While problems with companies that lend money to finance the purchase and installation of solar or water conditioning systems are growing, more information should be available about solutions. Remember, asking questions is your right and can empower you in these situations.

Unfortunately, finding information about how these financing methods affect you and your home is challenging. At Las Vegas Debt Settlement, we are trying to fill this void. Las Vegas Debt Settlement is a Nevada law firm. We are only licensed to provide legal representation to Nevada homeowners. However, our staff attorney has online relationships with other attorneys in other states who may be willing to help solve this critical problem if you do not live in Nevada, and you are certainly welcome to contact us for a referral to an attorney where you live.

The Problem: Misleading Sales Tactics

If you have debt for purchasing a solar or water treatment liens system that isn’t working out, you already understand that these salespeople lie to persuade you to buy. The issue is, what can you do about it?

Our Legal Approach

At Las Vegas Debt Settlement, we can determine if a lender fully complied with the laws to secure their legal rights. This involves a comprehensive review of the paperwork you signed with these lenders, as well as an investigation into whether the lender has followed specific legal procedures to secure their rights. Lenders often count on their borrowers being naive. As a result, these lenders need to take the appropriate legal steps to secure their rights. Often, they fail to do so. A legal investigation can reveal whether the lender has complied with the legal requirements to implement their rights.

Often, the people who work at the loan company that financed your solar or water treatment liens system realize the many problems they face collecting from their customers. They may have been involved in expensive litigation that did not result in any collection and that damaged the reputation of their company. As a result, in certain situations, with some individual borrowers, Las Vegas Debt Settlement may be able to negotiate a reduced balance for the solar or water treatment liens system. This can significantly reduce your financial burden and provide a path towards resolution.

Your Path to Financial Relief

At Las Vegas Debt Settlement, we’re here to guide you through this challenging situation. We can help you navigate the issues with financing solar and water treatment liens systems and work towards eliminating any lien on your property. With our support, you can look forward to a resolution and the relief that comes with it.

If your home is in an area controlled by a Home owner Association (or HOA), this organization is like having a second government. Like a government, it has massive rights to tell you how you can use your home. An HOA can regulate how long your grass can grow, whether you can park your vehicle in front of your home, how many people can live there, and decide if your kids can play basketball in your driveway.

An HOA will collect dues and assessments from you and other home owners to pave and maintain the roads and provide other amenities. Sometimes, an HOA is responsible for paying for trash collection, water, sewer, or other utilities and maintaining recreational facilities, liability insurance, amenities, and other necessary services to keep the community attractive and safe.

If you don’t pay your homeassociation dues or owe money for fines or assessments, Nevada state law grants an HOA special rights to take away the ownership of your property. This right is known as a “super-priority lien.” In simple terms, the HOA has the right to initiate foreclosure on your property, potentially leading to loss of ownership in as little as three months. HOAs are deadly serious about using these rights to collect money from homeowner. Do not expect your HOA to have compassion for your problems.

The HOA has all the power, and you have none. An HOA0 liens are even superior to your MORTGAGE. As a result, if your HOA sells your property through a foreclosure sale, your mortgage company may no longer have any rights to the real estate they financed. However, your mortgage company will still have the right to sue you to collect the mortgage debt.

At Las Vegas Debt Settlement, we are here to help. With our extensive experience dealing with HOA-related debt issues, we can offer practical solutions. However, it’s crucial to act immediately, as once the HOA sells the property, it will be too late for you to save your home. Immediate action is not just necessary; it’s critical.

As with many legal issues, complaining that the law is unfair, that the Home Owner Association is unreasonable, that the Home Owner Association fees and assessments are too expensive, or that the Home Owner Association is picking on you and ignoring your neighbors’ problems won’t get results. So let’s not waste time going there! Those issues might be something a real property hoa attorney las vegas could handle through costly litigation, but Las Vegas Debt Settlement doesn’t represent homeowners in Court.

Although you can hire many attorneys to fight for your principles in Court, that’s not what we do at Las Vegas Debt Settlement. Instead, we limit our role to negotiating with the Home Owner Association on your behalf, discovering ways to solve your debt problems, and helping you avoid foreclosure.

Most importantly, we can minimize your costs to achieve results. We understand the stress and uncertainty you may feel and are here to support you through this process. If you want to hire a lawyer to represent you in Court and fight for your principles, that’s not what we do. We aim to solve your HOA-related debt issues and provide you with relief and confidence.

It’s crucial to understand that your situation is urgent and of utmost importance. If the HOA is on the brink of foreclosing on your property, immediate action is necessary. If the sale is scheduled for tomorrow at 10 AM, the only certain way to stop the foreclosure is by filing a Chapter 13 bankruptcy. This legal process allows you to reorganize your debts and create a repayment plan, which can halt the foreclosure process and allow you to catch up on your Home Owner Association dues. If you don’t act swiftly and decisively, you could lose your home and still be responsible for the mortgage debt. It may not be easy, but it’s crucial to your financial well-being.

Essential considerations to assist Las Vegas Debt Settlement in solving this problem include understanding the following:

1. How much money do you owe the HOA?
2. Can we help you find ways to raise this money from your mortgage company, which has a stake in this situation, or from some other source, such as a personal loan, a family member, or a side job?
3. Under what circumstances would your Home Owner Association be willing to accept monthly payments to resolve the past-due debt to them?
4. Have you or your tenants been abusive to Home Owner Association or management company members? If so, are you willing to apologize and resolve not to act out again?

While dealing with an HOA that is aggressively pursuing collection can be daunting for an individual homeowner, it’s part of our daily work at Las Vegas Debt Settlement. We’re here to help, so don’t hesitate to contact us for immediate assistance and peace of mind.

Most of us will obtain a vehicle loan at some time. This loan will be one of the most substantial debts we will obtain. Yet, when getting this loan, the decision will often be impulsive, made without taking the time to consider its cost carefully.

The terms of the vehicle loan are often complicated. Few people read these agreements before signing them, and even if they do, they are difficult to understand. The law requires a contract to state the terms of the agreement, but the law doesn’t require a lender to explain the many potential repercussions of failing to pay the debt.

As time passes, sometimes paying for the vehicle deficiencies may become unaffordable. Why does this happen? There can be many reasons. For example, financial circumstances might change because your income went down or if other expenses increased. Or the car may turn out to be a lemon or lose its value for several reasons.

In the law, none of these reasons matter.

Someone might voluntarily return the vehicle deficiencies to “do the right thing.” In contrast, other people discover that a “repo man” has towed their ride in the middle of the night.

In the law, none of these reasons matter either.

The result, however, really does matter. Whenever lenders repossess vehicle deficiencies, the already hard-strapped borrower will learn about an all-too-common problem with the unclear and technical description called a “vehicle deficiencies.”

Here is how it happens –

You sign a vehicle loan contract. Although you might be the car buyer, if you are brought in as a cosigner, you may believe you are only a “secondary” on the note. Unfortunately, it doesn’t matter who has the vehicle. Anyone who signs the loan paperwork is 100% responsible for paying it. There is no such thing as being “the secondary.” The secondary is usually the person who must pay the deficiency since they became involved because the “real borrower” had terrible credit.

• No one made the payments. It doesn’t matter if the car was repossessed or returned voluntarily.
• The creditor sells the vehicle at a considerable loss, often at a rigged auction reserved “for car dealers only.”
• The creditor sues everyone who signed the vehicle loan, seeking payment of the difference between the net sale proceeds and the loan balance.
• When the creditor obtains a Court judgment, this legal situation affects everyone who signed the vehicle loan.
• The creditor finds someone named in the court judgment with a job and garnishes their wages.
• The creditor finds the person on the judgment with a bank account and seizes the money in the account.
• The creditor records their judgment with the County Recorder, which puts a lien on every person named on the judgment who owns real estate.

Here is why it happens –

• You bought a vehicle that was too expensive for your income.
• You lost your job or suffered other unexpected financial problems.
• You cosigned a vehicle for a partner, child, family member, or friend.
• The vehicle turned out to be a lemon or wasn’t worth what you thought.

Would you like more information about ways to solve vehicle deficiencies? Request a same-day call back from our team at (702) 551-3256 or schedule a comprehensive consultation with Debt Solutions attorney Dorothy Bunce. The initial consultation is always free.

Landlord/ Tenant Problems

Conflicts between landlords and their tenants have existed for thousands of years. Often, at the heart of the dispute is the differing perspectives of the landlord and the tenant about their legal and financial relationship. The landlord often believes that the rent must be paid “no matter what,” while the tenant believes that the landlord should accommodate late or nonpayment when the tenant problems faces a hardship. These disputes over values and misunderstandings of the legal system regulating their relationship are often complex.

The Financial Risks of Owing Money to a Landlord

When you owe money to a landlord, you may be unaware of the devastating consequences this debt may cause. If you have rented property for a home or a business, you could be in for a sizable debt if the agreement doesn’t work out. When you sign a lease, you agree to pay a total amount equal to its entire term. While 6 or 12 months is the typical term for a home, renting a business might involve a term of 5 or even 10 years. When broken down into monthly installments, the cost might not seem significant. But if you can’t fulfill this lease, the total you might owe could be enormous.

Property Damage and Potential Disputes

Problems can also arise if the landlord’s property is damaged when returned to the landlord’s possession. A certain amount of damage, known as “normal wear and tear,” is expected. However, property damage beyond that level can result in a hefty repair bill being assigned to the tenant problems. There are even situations where bad landlords have claimed damages that don’t exist or existed when the property was rented.

The Challenges of Defending a Lawsuit in Landlord-Tenant Disputes

Defending a lawsuit in a landlord-tenant problems dispute is time-consuming. It also can be expensive. Hiring an attorney to represent you in a landlord tenant problems dispute can be difficult, as this field is dominated by legal-aid attorneys representing the indigent in eviction cases. Few attorneys in private practice handle this type of case because few clients can afford the cost. But if you have an expensive dispute with a former landlord, Las Vegas Debt Settlement can help you with legal advice or negotiate with the landlord. Unfortunately, we cannot represent you in court. However, if you are willing to pay a high price to litigate, Vegas Debt Solutions can refer you to a skilled litigator.

Would you like more information about solving a financial problem that includes debt to a landlord?

• Request a same-day call back from our team at (702) 551-3256

or

• Schedule a comprehensive consultation with Debt Solutions attorney Dorothy Bunce.

( The initial consultation is always free. )

Free Initial Consultation

The initial consultation is always free, allowing you to get the legal advice you need without adding to your financial burden. During this consultation, you can discuss your case with attorney Dorothy, understand your legal options, and decide whether to proceed with one of our services.

Navigating the Path to a Resolution

While resolving a debt to a former landlord may not be easy or pleasant, it is possible. At Las Vegas Debt Settlement, we understand the motivations of landlords, tenant problems and other creditors and use this knowledge to determine what strategies can result in a negotiated settlement of this debt.

Foreclosure is a legal process to take away your title to real estate. Simply stated, it is a way of repossessing real estate. But unlike a repossession, the right to foreclose is controlled by state law.

For example, a Lender with a mortgage or deed of trust can foreclose on real estate by following state laws. Most often, the Lender financed the purchase of real estate. However, others can also foreclose on your real estate. Some examples of circumstances where this can happen include –

1. A “home equity line of credit” loan. This loan is just another mortgage, so the Lender can foreclose on your property if unpaid.
2. Your Home Owners Association and the County Tax authority can and will also foreclose and sell your property by following state law.
3. The IRS can also foreclose on your property, and finally,
4. Other creditors can also foreclose and force a sale of your property unless you have protected it by recording a “Homestead.”

While your Lender is not required to work with you to prevent a foreclosure, if you have a good history of paying your mortgage, ythey might do so if you contact them as soon as you start missing payments.

The rule is “money talks!” Offer a down payment in cash and commit to future payments. Explain how you got behind and why things are different now. Don’t lie because you will never get a second chance with your Lender if you are not completely honest. Once your Lender goes to the trouble of recording a “Notice of Default” against you, most will refuse to take any partial payment from you and require paying the entire past-due amount.

When someone defaults on their mortgage, they won’t feel ignored. Realtors will reach out to you offering to sell your house immediately. You will receive telephone calls, letters, and even postcards with offers of help, often from those looking to take advantage of you. Please beware of high-pressure offers of assistance, especially from those with no professional qualifications.

Wouldn’t it be wonderful if you could stop a foreclosure with a mortgage modification program? But unfortunately, many lenders will waste your time asking you to fulfill their unrealistic barriers.

At Las Vegas Debt Settlement, we have experience negotiating with creditors, including mortgage companies. So our team can contact your Lender to see if they will work with you “in good faith” or if they are playing games and wasting your time.

If negotiations fail, Las Vegas Debt Settlement has one final way to stop a foreclosure – in a Chapter 13 Bankruptcy.

In Chapter 13, you and your attorney offer a Plan to the Court that lets you resume making ongoing mortgage payments. Your Plan must also describe how you will pay off the past-due mortgage debt. Las Vegas Debt Settlement can customize a Chapter 13 Plan based on your circumstances. Each one is different. The Plan lets you take up to five years to pay off your past-due mortgage debt. Loopholes are also available to stop late fees. Further, you might be able to eliminate many other debts, giving you more money to save your property from foreclosure.

Would you like more information about stopping a foreclosure? Request a same-day call from our team at (702) 551-3256 or schedule a comprehensive consultation with Debt Solutions attorney Dorothy Bunce. The initial consultation is always free.