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Your Trusted Bankruptcy Attorney in Reno, NV
Northern Nevada Bankruptcy Clinic has been providing dedicated bankruptcy and foreclosure legal services to Northern Nevada residents for over two decades. With offices in Reno, our firm specializes in guiding clients through complex financial challenges, including Chapter 7 and Chapter 13 bankruptcy proceedings, foreclosure defense, and debt relief strategies. Our approach combines extensive legal expertise with personalized attention, offering payment plans starting at $100 to ensure accessibility.We prioritize client education, transparent communication, and practical solutions tailored to individual circumstances. Our team's deep understanding of Nevada's legal landscape enables us to effectively negotiate with creditors, protect client assets, and help individuals and families achieve financial stability. We maintain a client-centered philosophy, emphasizing timely responsiveness, compassionate support, and comprehensive guidance throughout every legal process.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Foreclosure Defense
Debt Relief
Legal Consultation
Payment Plans
Creditor Negotiation
Asset Protection
Credit Recovery
Court Representation
Highlights and features
- We offer 20+ years of specialized bankruptcy law experience in Nevada
- Our payment plans start at $100 for accessible legal services
- We provide personalized strategies tailored to individual financial situations
- Our team handles creditor communications and legal documentation
- We maintain a 98% client satisfaction rate based on verified testimonials
What people say
Highly recommend
Very professional
Excellent service
Compassionate support
Timely manner
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides debt relief through asset liquidation for individuals with limited income. This process eliminates qualifying debts while protecting essential assets up to state exemption limits. Our experienced attorneys guide clients through the petition process, creditor negotiations, and court requirements to achieve financial fresh starts.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy establishes structured repayment plans for debtors with regular income. This option allows homeowners to prevent foreclosure while repaying arrears over 3-5 years. Our team develops customized payment plans that meet court requirements while preserving client assets and financial stability.
Foreclosure Defense
Our foreclosure defense services protect homeowners facing property repossession. We employ legal strategies to halt foreclosure proceedings, negotiate loan modifications, and explore alternative solutions. With local Nevada court expertise, we advocate for clients' property rights through all stages of the foreclosure process.
Debt Relief
Debt relief solutions address overwhelming financial obligations through bankruptcy and alternative strategies. We assess each client's unique situation to determine optimal debt elimination or restructuring approaches, including creditor negotiations, payment plans, and asset protection measures.
Legal Consultation
Our legal consultations provide comprehensive evaluations of financial situations and available options. During these sessions, we analyze income, expenses, and debt composition to recommend tailored solutions. Clients receive actionable guidance to make informed decisions about bankruptcy and debt management strategies.
People
Sean P. Patterson
Attorney at Law
Admitted to Nevada Bar in 1995 with 20+ years of bankruptcy law experience. Specializes in Chapter 7 and Chapter 13 proceedings, serving Northern Nevada clients. Graduated from McGeorge School of Law and University of Nevada with high distinction.
Questions
What happens during the first bankruptcy consultation?
We conduct a financial assessment, create a budget analysis, and explain available options. You'll receive specific guidance for your situation and homework to prepare bankruptcy documentation.
Can I keep my home if I file bankruptcy?
Yes, in most cases. Chapter 13 allows home retention through repayment plans. Nevada exemptions protect up to $605,000 equity in primary residences during Chapter 7 proceedings.
What debts cannot be discharged?
Non-dischargeable debts include most taxes, student loans, child support, criminal fines, and debts from fraud or DUI incidents. Credit card purchases within 90 days of filing may also be excluded.
How does bankruptcy affect credit scores?
While initially impacting credit, bankruptcy allows fresh starts. Many clients rebuild credit within 2-3 years through responsible financial management and secured credit options.
Are payment plans available for legal fees?
Yes, we offer flexible payment arrangements starting at $100 monthly installments to make bankruptcy services accessible for financially distressed clients.
Can businesses file bankruptcy and continue operating?
Yes, Chapter 11 and Chapter 13 options allow business continuation during reorganization. We help develop viable repayment plans while maintaining operational capacity.
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