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Home of the TRUE $0 down bankruptcy

Start your Bankruptcy with $0 Down!

Frequently Asked Questions

How much do you charge?2020-09-29T20:33:02+00:00

Bankruptcy Type

Attorney Fee

Court Fee

Total Upfront

Chapter 7




Chapter 13




Chapter 11, Subchapter V




*This assumes fees paid up front. As an alternative, we also offer a $0 down payment plan option with payments starting at $144.50/mo x 12/mos.

**Initial retainer only. Additional fees are charged to be paid through a court confirmed payment plan based on additional fees and costs incurred. These fees only apply if they are paid up front.

Will you file my bankruptcy with $0 down?2020-09-29T20:29:41+00:00

Yes. We can file your bankruptcy case with $0 down. You will enter into an agreement where you will pay the attorney fees over the course of 12 months. For a basic chapter 7, the repayment plan will be $161 per month. If your income is over the median, the monthly payment will be $194 per month. For Chapter 13 case, we also offer a $0 down option where the attorney fees are paid by the trustee through your payment plan. These monthly payment options do not include the court filing fees, which are $335 in a Chapter 7 and $310 in a Chapter 13, which typically must be paid before the case is filed, but can be paid afterward in special circumstances.

How will bankruptcy affect my credit?2020-09-29T20:32:18+00:00

For every single one of our clients, before we file the bankruptcy, we run a credit score simulation which shows what your score is now, and what it will be 12 months after the bankruptcy. When you hire us, we will do this for you too. This way, you will know exactly what kind of impact the bankruptcy will have on your credit worthiness. Surprisingly, the 12 months post bankruptcy credit score improves 81 points on average based on our own internal data. So in most cases, bankruptcy actually improves your credit score 12 months after filing. This is because 30% of your credit score is determined by your debt to available credit ratio. This ratio is always improved when you file bankruptcy. There are certainly cases where the bankruptcy tends to lower your credit score as well; in general, the lower your score is before the bankruptcy, the more bankruptcy will improve your 12-month post bankruptcy score. The reverse is also true, the higher your credit score before bankruptcy, the more likely the bankruptcy is to lower your credit score 12 months after bankruptcy.

How long will it take for me to buy a home and get a mortgage after filing bankruptcy?2020-09-29T21:13:11+00:00

In general, you must wait 2 years after bankruptcy in order to obtain a mortgage loan. Generally speaking, there are 4 types of mortgage loans available (FHA, Conventional, VA, and USDA). Each type of mortgage has slightly different guidelines for waiting period after bankruptcy. Here are the mortgage loan types along with the guideline for waiting period:

Loan Type

Chapter 7

Chapter 13


4 Years

2 Years form discharge date, 4 Years from discharge date


2 Years

1 Year


3 Years

1 Year


2 Years

1 Year

How long will it take for a bankruptcy to disappear from my credit reports?2020-09-29T21:12:44+00:00

At this time, credit reporting agencies report a Chapter 7 bankruptcy for up to 10 years and a Chapter 13 for up to 7 years; however, most people who file a bankruptcy are able to build their credit enough within two years to be able to finance and purchase a home, and cars can be financed much sooner after a bankruptcy is filed.

See all FAQs

Attorney Seth Ballstaedt practices law in Las Vegas, Nevada. He received an Associates degree from BYU-I, a B.A. from Brigham Young University, and a JurisDoctorate (law degree) from William S. Boyd School of Law.

He has handled thousands of bankruptcy cases under chapters 7, 13, and 11. He is an active member of the National Association of Consumer Bankruptcy Attorneys, the American Bankruptcy Institute, the Southern Nevada Association of Bankruptcy Attorneys, and the Better Business Bureau.

Chapter 13


A chapter 13 is not quite as common, but still accounts for 20% of the cases filed in the state of Nevada. In a chapter 13 you are required to pay some of your debt back. It could be only 5% of your debt, or in some cases, as much as 100% of your debt.

Chapter 7


A chapter 7 is very fast as it is typically completed in 90 days, and it is the least expensive option. So at this point you’re probably thinking, “well this sounds perfect; that is exactly what I want.” Normally, this is the best option for people.

Free Consultation

Free consultation means you will meet with an attorney, not a legal assistant as you might with one of our competitors. No commitment, and no payment required.

Call (702) 715-0000

Payment Plans

If you have an urgent situation (like wage garnishment, pending home foreclosure, or vehicle repossession) we can stop it immediately, even if you don’t have any money to pay up front. With $0 down, we will file your case and allow you to pay the remaining fees in small payments over time

Full Service Bankruptcy

Full service bankruptcy means that you don’t have to search for all your bills, account numbers, and balances, etc.; and you don’t have to fill out a large stack of paperwork. We gather all that information for you, and we do all the paperwork necessary to complete your case.

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