Address: 232 Court St Reno, Nevada 89501 United States. 46 Results have been found for Bankruptcy Chapter 7 attorneys in Reno, NV, belonging to 18 different law firms. Call 775-348-4600 to schedule a risk-free consultation. This is a voluntary filing; it was assigned the bankruptcy case number 23-50233. Table of Contents. S. Table of year-to-date bankruptcy case filing statistics for Las Vegas, Reno and the District of Nevada with a comparison of prior 2 years. 5. However, if you have assets in excess of. 00. A Chapter 7 bankruptcy stays on your credit report for up to. The three types of personal bankruptcy – Chapter 7, Chapter 11 and Chapter 13 – all require the person filing the petition to pay a filing fee and an administrative fee. Find top Reno, NV Bankruptcy attorneys near you. For example: Assume you are expecting a tax refund of $4,000. Reno Bankruptcy Attorney | Nevada Bankruptcy Attorney | Estes Law. For over a decade, David C. Harris Bankruptcy Attorney, Harold C. Chapter 7 bankruptcy rules determine who qualifies, how to file, and what debt is eligible for discharge. 1. Fact checked by. 74. In addition, when you arrive at our office we print out for you a complete fee breakdown. Chern says that a Chapter 7 debtor can finance a car the day after filing. Chapter 7 vs. , Reno Sparks Bankruptcy Attorney, Stephen R. 7 billion in 2020. While a Chapter 7 bankruptcy remains on your credit for 10 years, Chapter 13 only lasts for 7 years after filing. Affordable Chapter 7 Bankruptcy Lawyer In Reno, NV. Top 10 Best Bankruptcy Attorney in Reno, NV - November 2023 - Yelp - Sean P Patterson Attorney at Law, Affordable Bankruptcy Attorney, Darby Law Practice, Harold C. (see Nevada Exemptions) The trustee sells the assets and pays you, the debtor, any amount exempted. Individuals and married couples can only file under Chapter 7 if their income levels fall below Nevada’s median income. While Reno business bankruptcy provides many advantages, it can be complex, is very expensive, and incurs many fiduciary responsibilities. If you don’t yet have a bankruptcy case number, leave that field blank. 3. Key sports company stares down Chapter 7 bankruptcy. Eliminate Debt and Get a Fresh Start with Chapter 7 Bankruptcy. Page 3 “Objectors”) have timely objected to the Motion. Hiring a bankruptcy attorney is not inexpensive, but it is recommended. Wait 90 to 120 days after receiving the letter so your credit reports have time to update with the bankruptcy information, and then request your credit reports from all three national credit bureaus (Experian, Equifax and TransUnion). Whether you are filing for Chapter 13 or Chapter 7 bankruptcy, we. Step 2: Fill in your marital and filing status. To obtain a copy of the Local Rules, you may download the portable document format (pdf) files above or contact Lexis/Nexis - Matthew Bender Publishing at 1-800-833-9844. 25% Bankruptcy and debt, 25% Chapter 7 bankruptcy, 25% Chapter 13 bankruptcy, and more. Course 1: The Pre-Filing Credit Counseling Course. This form of bankruptcy involves setting up a repayment plan for consumers who have a consistent source of income and a desire to. 7. Serves clients throughout Nevada in business and consumer bankruptcy, general business matters, estate planning, and divorce. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. Everyone filing bankruptcy has to complete a pre-bankruptcy credit counseling course through one of the approved credit counseling agencies. With a population of 255601, I’d. See our related articles on chapter 11 bankruptcy in Nevada and commercial. Contact us today!Specialties: White Law Chartered, located in the Historic Twentieth Century Building, serves the community in protecting assets for the present and future with the creation of wills and trusts. Marilyn, Ilin and the entire staff were extremely easy to work with and extremely knowledgeable and professional in handling a difficult breakup. 4. 800 S. There are several types of reorganization bankruptcies, but Chapter 13 is the most common type for consumers. Burke offers help for bankruptcy in Reno, NV. At Bankruptcy Law Group, we have over 30 years of combined experience helping individuals in California achieve total debt relief through Chapter 7 and Chapter 13. Check your state’s local rules to see what types of cases are allowed in small claims court. $1,875 for jewelry. 11/15/2023. The cost to file bankruptcy in Nevada is $338 for a Chapter 7 bankruptcy and $313 for a Chapter 13 bankruptcy in 2023, but the answer becomes more nuanced if you decide to file with a bankruptcy attorney and if you are trying to get the filing fees waived. The credit counseling organization will. Chapter 7 Pro Se Chapter 11 Chapter 12 Non-Pro Se Chapter 12 Pro Se Chapter 13 Timothy Paul Post. Table of year-to-date bankruptcy case filing statistics for Las Vegas, Reno and the District of Nevada with a comparison of prior 2 years. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. To file a bankruptcy petition, you’re required to complete a credit counseling course. S. Filing for Chapter 7 in New Jersey. If your disposable income under the means test is between $7,475 and $12,475 then you must. Chapter 7 is often a bankruptcy filer's first choice for several reasons. Transcript Order Form for Reno and LV:. repossession deficiency balances. (The trustee also earns a. Chapter 7 Bankruptcy Lawyers in Reno, Nevada. Reviews on Chapter 7 Bankruptcy Cases in Reno, NV 89507 - Darby Law Practice, Sean P Patterson Attorney at Law, Affordable Bankruptcy Attorney, Barber Law Group, Inc. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure;. And it's cheap. Chapter 13 bankruptcy is generally used by debtors who want to keep secured assets, such as a home or car, when they have more equity in the secured assets than they can protect with their Nevada bankruptcy exemptions. Its responsibilities. It is a means to the goal of a fresh financial start. To qualify for Chapter 7, your income must be below the state’s median income. You’ll then need to pick your marital and filing status from the following options: Not married. Malter for experienced, diligent bankruptcy representation in the San Jose, CA area. S. , P. In a Chapter 7, a list of all of your assets and debts is filed with the bankruptcy court. Any co-signer on a debt will continue to be liable even if the debtor has filed for a chapter 7 bankruptcy, unless the co-signer also files for similar protection. Discharge rate. Bankruptcy Court Nevada District (the "Bankruptcy Court") Reno. A. Chapter 13 Bankruptcy Attorney Serving Reno, Nevada. CLOSED NOW. Reno Bankruptcy Attorneys. The negative impact of the bankruptcy on your credit score will lessen over time, meaning a bankruptcy that is only one year old will have a more significant impact than one that happened eight years ago. 775-348-4600 mail@demetraslaw. But it’s a viable option if you don’t want to liquidate your assets, as required in Chapter 7, or you have too much debt to qualify for Chapter 13. GUARDIAN FUND, LLC filed a 11 chapter bankruptcy in the District of Nevada bankruptcy court on April 11, 2023. Financing Issues. It's quick, taking only a few months to. , Nov. There are two primary types of bankruptcy: Chapter 7 and Chapter 13. The filing fee is typically due when you first go to the courthouse to file bankruptcy. Chapter 11 Bankruptcy Lawyers | Reno Office. 876. Reno: 300 Booth St. $14,875 in aggregate ($700 for each. Darby, Esq. Generally, an individual debtor filing for bankruptcy can either file under Chapter 7 or Chapter 13 of the Bankruptcy code. Also: Citation CJ3 Gen2, flyVbird Signs LOI for 'Alice', Gogo 5G 4 Canada, BizAv Finance ANN has learned that Rotor X has filed for bankruptcy | Published: Mon, Oct 30, 2023 | Aero-News NetworkOfer Shmucher, Esq. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. C. Serving San Jose, CA (Santa Clara, CA) Choose Michael W. Best Bankruptcy Law in Reno, NV - Sean P Patterson Attorney at Law, Affordable Bankruptcy Attorney, Darby Law Practice, Reno Sparks Bankruptcy Attorney, Stephen R. 13? You can use Chapter 7 bankruptcy to erase or "discharge" debt without paying into a lengthy payment plan. Harris Bankruptcy Attorney, Reno Sparks Bankruptcy Attorney, Action Legal Services, Bittner. Local Rules - Redline Version updated 3/2/2021. 1 review. Top rated Bankruptcy lawyer. 11 U. we assist people and businesses through the bankruptcy process. 19, 2020, added a new subchapter V to Chapter 11 designed to make bankruptcy easier and faster for small businesses. S. Darby Law Bankruptcy Stigma. After Hours / New Clients: 888-297-6203. C. Visit Website. Beyond the Chapter 7 exemptions, we also assist with tax debts, provide advice regarding , debt settlement , and handle business bankruptcy in Chapter 7 and Chapter 11. Most bankruptcy. We like what we do. 80. There is a fee but you can apply for a waiver if needed. Note: getting advice from a lawyer with experience is highly recommended. Learn how the Chapter 13 bankruptcy process. A consumer debtor receives a complete discharge from debt under Chapter 7, except for certain. Sally Wetherbee. (2 min) WeWork, once a venture-capital darling, has filed for chapter 11 bankruptcy. Filing for Chapter 7 in North Carolina. Darby Law Practice, Ltd. Tricia Darby is the BEST personal Bankruptcy Attorney in Reno! I had a crisis and was facing severe hardship and turned to Tricia because of what other attorneys said about her. Unless you pay cash for a home, it could take one to four years before you can qualify for a mortgage loan again. You don't pay anything to creditors. Comanse, Esq. Chapter 13 enables people to pay off their obligations over a certain amount of time, typically three to five years. In Maryland, this fee typically ranges anywhere from $899 to $3,500, depending on the lawyer’s experience and the. If your income is less than 150% of the poverty guidelines in Michigan, you can request a waiver of the filing fee (see the table for Michigan Fee Waiver Eligibility below). The Chapter 7 federal bankruptcy laws can stop debt collection and provide a clean slate for many individuals. The combined asset value of the 22 public companies that filed for bankruptcy in 2021 was $19. Filing a Chapter 7 bankruptcy case can stop a foreclosure sale, but only temporarily. You are considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Reno. If you are considering filing bankruptcy, the most important first step is to become educated about the process. Bankruptcy Lawyers at 311 E. There are two main categories of bankruptcy. Notice of Hearing on Confirmation of Chapter 13 Plan: NVB 3015: 09/16 : View Website View Profile Email Lawyer. Visit the BAPCPA-related sites below to help you with your bankruptcy case: HHS Poverty Guidelines for use with form 103B: Application to Have the Chapter 7 Filing Fee Waived; Means Testing Information (Census Bureau and IRS Data) (external link) Approved Credit Counseling Agencies. View Website View Lawyer Profile Email Lawyer. $500 - $3,500. You don't pay anything to creditors. S. The bankruptcy attorneys at Darby Law Practice not only help you navigate to financial freedom through a Chapter 7, Chapter 11, or Chapter 13. Listen. Mortgage lenders set more stringent guidelines for loan approval after a Chapter 7 bankruptcy. The bankruptcy process begins with a petition filed by the debtor , which is most common. 49 years. Chapter 7 is the most common form of bankruptcy, followed by Chapter 13. Wajda Law Group. This course takes about 1–2 hours, and you can take it online, by phone, or in person, depending on where you live. is a firm serving Reno, NV in Bankruptcy Counseling, Bankruptcy Avoidance and Bankruptcy cases. Bankruptcy Court,. Partner and Founder. The process of bankruptcy, and waiting for it to be discharged can be stressful. If you file Chapter 7, the timeline for discharge will depend on how. Monday - Friday: 9:00 am - 4:00 pm closed Federal Holidays. Rankine. Comanse, Esq. Get Chapter 7 or Chapter 13 bankruptcy filings and the support you need from our trusted team. Chapter 7 is known as “straight” bankruptcy” or “liquidation. . Free Consultation. $1,813 - $6,313. Caryn S. Ste. Cussen, CMFC . Choose from 15 attorneys by reading reviews and considering peer ratings. View Website View Lawyer Profile Email Lawyer. 00. Chapter 11. Save. Experian, TransUnion and Equifax now. In order to determine whether or not somebody files for chapter seven bankruptcy based upon income, we have to do something called the chapter seven. The Chapter 7 means test is the analysis that determines whether you're eligible to file Chapter 7 bankruptcy. Since 2009 Mr. 17 lawyers specializing in Chapter 11 are available in the Reno, NV area. In Chapter 13 bankruptcy you keep all of your property, but must make monthly payments over three to five years to repay all or some of your debt. Links for Chapter 7, 11, 12 and 13 Nevada trustees, information about reporting fraud, 341 meeting locations, reports and responsibilities of The Office of the U. Zero Down Bankruptcy Lawyers of Reno is a top-rated Reno bankruptcy law office that is committed to providing affordable, thorough bankruptcy filings for clients throughout Nevada. foreclosures, garnishments, and the IRS. Filing for Chapter 7 in Texas. With Chapter 7 bankruptcy, your personal debt, outside of student loans, recent income tax debt, or past-due child support can be. Filing Chapter 7 bankruptcy typically costs between $1,800 and $2,300 while a Chapter 13 filing can cost between $4,500 and $5,300. What Is the Difference Between Bankruptcy Chapter 7 vs. Contact Us. Bankruptcy is a common debt relief choice. O’Mara. — G. Our new address is 850 E. If you file for personal bankruptcy, you generally have two options: Chapter 7 or Chapter 13. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt BankruptcyOur Reno Chapter 7 Bankruptcy Lawyers can assist you with getting rid of all of your unsecured debts. Cimarron Rd. You'll either file a Chapter 7 or Chapter 13 bankruptcy. Print your completed bankruptcy forms 6. Chapter 7 bankruptcy works well for people who own mainly the essential items needed to live and work and not much else. Bankruptcy is a legal process in a specialized federal court to help individuals and businesses get rid of debt or repay debts under the protection of the bankruptcy court. However, some debts are not removed in a Chapter 7. Free Bankruptcy Means Test Calculator for your State and County. ”. Stephen R. , P. How the Bankruptcy Filing Date Affects Renting an Apartment. , Stephen R. Bankruptcy and Personal Injury. 4557. The firm focuses primarily on chapter 7 and chapter 13 bankruptcy. Take the second required bankruptcy course on financial management 9. Total. Note: The publisher charges a fee for. Filing for Chapter 7 in New York. Your unsecured debt cannot exceed $419,275, and your secured debt cannot exceed $1,257,850. Instead, contact Fair Fee Legal Services to hire a qualified bankruptcy attorney in Las Vegas. Individuals usually file for either Chapter 7 or Chapter 13 bankruptcy. Holly E. (775) 788-2000 100 W Liberty St. BANKRUPTCY LAW IN NEVADA. In Chapter 7, the debtor's estate is liquidated under the rules of the Bankruptcy Code. Filing Chapter 7 bankruptcy typically costs between $1,800 and $2,300 while a Chapter 13 filing can cost between $4,500 and $5,300. $2,800 for tools of the trade. Landlord Filed for Eviction After Tenant Filed Chapter 7. If you’re filing without a bankruptcy attorney, make sure to file the Pro Se Affidavit required in this district. United States Bankruptcy Court, District of Nevada. Lawyers: David C. Fast and friendly attorney services at almost half the cost of other attorneys. Chapter 7 and Chapter 13 are personal bankruptcies that serve individuals who have a lot of medical, credit card, or other consumer debt. The court will appoint a “trustee” to represent the interests of your creditors who can sell your property to pay debts. Feb 28, 2023 - Want to file Chapter 7 bankruptcy in El Reno, Oklahoma? Upsolve is a legal aid nonprofit that provides free Chapter 7 bankruptcy attorneys to debtors in El Reno, OK that want to erase debt. Thomas M. m. Take the second required bankruptcy course on financial management 9. top of page. Bankruptcies are divided into types, also called Chapters. Chapter 7 is often a bankruptcy filer's first choice for several reasons. If a landlord attempts to file to evict the tenant after the tenant has filed for Chapter 7, the landlord will be unable to proceed with the eviction due to the tenant's automatic stay. There are too many Bankruptcy laws, rules and procedures to deal with. However, the impact on your credit score will lessen over. The main cons to Chapter 7 bankruptcy are that most. Find the debt relief you need with the best debt settlement. 15, 2023), debtor's LLC interest in bankruptcy and charging order lienIn order to be eligible to file for Chapter 13 bankruptcy, you must have regular income and meet certain debt limitations for your unsecured and secured debts (unsecured debts must be less than $383,175 and secured debts must be less than $1,149,525 as of 2015). Chapter 7 Bankruptcy. Chapter 7 bankruptcy . Attorney fees*. At Reno Bankruptcy Law. B. Leslie Tayne, attorney and founder of Tayne Law Group in Melville, New York, says you’re eligible for a mortgage a few years after a Chapter 7 discharge of debt. Written by Mark P. Individuals, sole proprietorship businesses, or spouses can file a Chapter 13. Reno. A common misconception is that a bankruptcy ruins your credit rating, and that you will not be able to obtain any new credit after filing for bankruptcy. This can be paid in four installments up to 120 days after the filing (or 180 days if the court extends the timeframe). Write A Review. Chapter 11 bankruptcy can get complicated and expensive, so most debtors choose Chapter 13 or Chapter 7 to avoid the time, costs and risks involved with Chapter 11. . Chapter 7 lets individuals wipe out (“discharge”) most kinds of debt in just a few months. Along with the petition, the debtor must also file the following with the court: schedules of assets and liabilities; a schedule of current income and expenditures; a statement. View profile. 2 trillion in aggregate. To file a bankruptcy petition, you’re required to complete a credit counseling course. medical bills. Bankruptcy Court, District of Nevada. Download Form (pdf, 209. Under this type of bankruptcy, you'll be required to allow a federal court trustee to supervise the sale of any assets that aren't exempt (cars, work-related tools and basic household furnishings may. S. Monday through Friday (excluding Federal holidays ). News Lawyer Directory – powered by Best Lawyers®. Harris Bankruptcy Attorney, Harold C. It is available to individuals who cannot make regular, monthly, payments toward their debts. S. Estes Law is a boutique law practice located in Reno, Nevada, focusing on business and individual reorganizations, Chapter 7 liquidations, bankruptcy trustee representation, creditor's rights and bankruptcy appellate practice. Contact me. filed a 11 chapter bankruptcy in the District of Nevada bankruptcy court on October 07, 2015. Worth noting: Chapter 11 bankruptcy, once only for businesses (see below), is available to individuals with debts above the Chapter 13 limits. Bankruptcy proceedings have a lot of moving parts. Redemption. Chapter 7 bankruptcy is a liquidation where the trustee collects all of your assets and sells any assets which are not exempt. The total cost will largely depend on your financial situation, the complexity of your case, and whether you file Chapter 7 or. With Chapter 7 bankruptcy, your personal debt, outside of student loans, recent income tax debt, or past-due child support can be erased. Reno Bankruptcy Lawyer - Darby Law Practice 775-636-6791 Know your rights responsibilities and option . By comparison, Chapter 13 can take up to five years because a repayment plan is involved. The following is a non-exhaustive list of Nevada bankruptcy exemptions (property you get to keep): Up to $605,000 in home equity (“homestead exemption”); Up to $15,000 in automobile equity (“motor vehicle exemption”); BAPCPA made substantial changes to the Bankruptcy Code. Court employees and bankruptcy judges are prohibited by law from offering legal advice. Stephen R. Filing personal bankruptcy under Chapter 7 or Chapter 13 takes careful preparation and understanding of legal issues. If you’re subject to a wage garnishment, making it difficult to save up the full fee, you can ask the Court to make payments instead. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt BankruptcyU. CONTACT INFORMATION Phone:775-786-1615 Fax: 775-322-7288. Disadvantages of Chapter 7: Advantages of Chapter 7: A Chapter 7 bankruptcy can remain on your credit report for up to 10 years: Although a bankruptcy stays on your record for years, the time to complete the bankruptcy process under Chapter 7, from filing to relief from debt, takes only about 3-6 months. Any non-exempt assets (luxury items, second homes, for example) are liquidated to pay some or all of your debts. 4. You never have to pay back those credit card payments. Many landlords will be hesitant to rent to you during the two years immediately following the bankruptcy case, so you can count on. About Bankruptcy. However, because of the national law preventing bankruptcy abuse, this automatic stay might be short. Michael W. , Suite F, Reno, Nevada 89511. (510) 910-1619 39180 Liberty St. As business owners, it’s best to leave your debt concerns and financial problems to the experts. $14,875. Compare the best Chapter 7 Bankruptcy lawyers near Reno, NV today. Getting a Car Loan after Bankruptcy in Reno. This is actually quite far from the truth. We Will Instantly Connect You with a Chapter 7 Bankruptcy Lawyer for a Free Consultation. filed a 7 chapter bankruptcy in the Southern District of California bankruptcy court on July 15, 2019. Cynthia Jean Nelson. BANKRUPTCY. You must live in Florida or own property in the state to file a Chapter 7 bankruptcy in Florida. Compare the best Chapter 7 Bankruptcy lawyers near Reno, NV today. SurrenderEveryone filing Chapter 7 bankruptcy has to pay a $338 filing fee to the Bankruptcy Court. C. Chad Johnson. 77. Chapter 7 bankruptcy is a powerful legal tool that allows you to completely erase many debts, including credit card debt, medical debt, car loans, payday loans, and (in some cases) student loans. ROAM MAUI LLC. RENO CONTRACTING, INC. Bankruptcy costs include court filing fees, credit counseling course fees, and, if you hire a bankruptcy lawyer, attorney fees. Darby is a partner and founding attorney of Darby Law Practice, representing individuals and businesses in bankruptcy in Reno, including Chapter 7, Chapter 11, Chapter 13, and helping clients in all manner of debt relief from loan modifications and. Skip to navigation. Contact. m. Chapter 11 bankruptcy proceedings can last for years. If you are seeking to stop eviction for a longer period of time, Reno Chapter 13 bankruptcy may be a better solution. The short explanation below and our handy Chapter 7 versus 13 chart will help clarify things. Chapter 13 bankruptcy is intended for those with stable incomes who are unable to pay off all of their debts. Rent Your New Place Before the Foreclosure Shows on Your Credit Report. In most Chapter 7 cases, however, your property will be. Those assets of a debtor that are not exempt from creditors are collected and liquidated (reduced to money), and the proceeds are distributed to creditors. (530) 241-1100 1330 West St. Once a. The process forces companies, or the court. Chapter 7 bankruptcy works well for people who own mainly the essential items needed to live and work and not much else. $571 administrative fee. In fact, there were 7,892 bankruptcies filed in Nevada in the year ending June 30, 2021 . Reno. On the other hand, a Chapter 7 bankruptcy, also known as a liquidation bankruptcy, erases all debt that is legal to erase. Upsolve Civil Rights Should Be Free. Leslie Tayne, attorney and founder of Tayne Law Group in Melville, New York, says you’re eligible for a mortgage a few years after a Chapter 7 discharge of debt. Each serves either an individual or an entity like a business or local government. 11 lawyers specializing in Chapter 7 are available in the Reno, NV area. Monthly Reno bankruptcy case filing statistics for the U. Transcript Order Form for Reno and LV: Online Transcript Request Form: 04/12: Instructions: Request for Archived Bankruptcy Cases (Individual). Chapter 7 bankruptcy. Bankruptcy under Chapter 13. A chapter 7 case begins with the debtor filing a petition with the bankruptcy court serving the area where the individual lives or where the business debtor is located. Chapter 7 bankruptcy is the most common consumer bankruptcy in the United States. Holley Driggs Walch Fine Wray Puzey & Thompson. 996. 15, 2023), debtor's LLC interest in bankruptcy and charging order lienUnderstanding Chapter 7 Bankruptcy. The court costs for filing for chapter 11 bankruptcy in Nevada are: $1,167 case filing fee; $571 administrative fee. Chapter 7 Liquidation Bankruptcies are used most often when you have more bills that you can pay and there is little hope of being able to pay them. You have received a notice from the court about a particular bankruptcy case whereby the debtor has listed you in their bankruptcy case as someone to whom the debtor owes money or might owe money. You need to consider your financial situation for choosing a chapter bankruptcy to file. 090 contains a list of all property that is exempt from the bankruptcy estate. Recent 2005 changes in bankruptcy laws stiffened eligibility requirements for people filing Chapter 7 and made the bankruptcy process more complicated. C. Learn more about the types of bankruptcy individuals file, the differences between Chapters 7 and 13 Bankruptcy, and who can't file bankruptcy chapter 7. Harris Bankruptcy Attorney, Reno Zero Down Bankruptcy Lawyers, Bittner & Widdis Law, Alison J Colvin, Law. Binder & Malter, LLP 408-295-1700. You can file bankruptcy without a lawyer. 4. Redding, CA Bankruptcy Attorney with 31 years of experience. You can get a free Experian credit report every 30 days.