Best Bankruptcy Attorneys in Las Cruces

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Arvizulaw.com, Ltd. logo

Arvizulaw.com, Ltd.

P.O. Box 1479, Las Cruces, NM 88004
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Arvizulaw.com Ltd. is a law firm led by a team of bankruptcy attorneys in Las Cruces dedicated to helping people facing financial difficulties. Depending on a client's debt amount, its attorneys can file for Chapter 7 or 13 bankruptcy to eliminate credit card bills, medical expenses, and collection accounts. The firm helps businesses and farmers pay back their debts through Chapter 11 or 12 bankruptcy. Instead of filing for bankruptcy, Arvizulaw.com can negotiate a lower settlement with creditors.

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Law Office of Kelly P. Albers, P.C. logo

Law Office of Kelly P. Albers, P.C.

650 Montana Avenue, Las Cruces, NM 88001
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  • Debt Settlement

The Law Office of Kelly P. Albers PC is a civil litigation law firm serving the residents of Las Cruces. Founding attorney Kelly Albers has been working as a lawyer for over 40 years, and he offers his assistance to those who are looking to file for bankruptcy. He helps his clients begin the process and stop foreclosure, vehicle repossession, and creditor harassment. Albers also practices commercial and construction law.

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Law Offices of Kenneth G. Egan logo

Law Offices of Kenneth G. Egan

1111 East Lohman Avenue, Las Cruces, NM 88001
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  • Debt Settlement

The Law Offices of Kenneth G. Egan is a civil litigation law firm serving the people of Las Cruces and the nearby areas. Though the firm primarily focuses on representing the injured, its team also takes cases involving bankruptcy. The team offers legal counsel and representation to those who are filing for Chapters 7 and 13 bankruptcy, and it helps them to dismiss qualifying loans and create a payment plan to pay off the remainder.

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Melwani Law, P.C logo

Melwani Law, P.C

1990 East Lohman Avenue, Las Cruces, NM 88001
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Melwani Law PC is comprised of experienced bankruptcy attorneys in Las Cruces who help people solve their financial problems in a timely manner. Its attorneys walk clients through the complex Chapter 7 or 13 bankruptcy process to discharge personal loans, medical bills, and credit card debts. For married clients, the firm can determine what debts are owed by each spouse. Melwani Law also offers alternatives to bankruptcy that includes credit counseling, debt consolidation, and loan modification services.

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Frequently Asked Questions

Q: Can anyone file bankruptcy?

A: Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

Q: How bad is it to file bankruptcy twice?

A: Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Q: Can they take my car in Chapter 7 bankruptcy?

A: In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

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