Filing Bankruptcy in Nevada Yourself

Learn where to find some of the information you'll need in a Nevada bankruptcy case.

If you live in Nevada and have trouble making ends meet, filing for bankruptcy might help you solve your financial difficulties. The first step is educating yourself about the differences between filing for Chapter 7 and Chapter 13 bankruptcy.

Once you choose the chapter best for you, the next step will be to complete the paperwork. This article will help you find some of the information you’ll need, including Nevada, means test figures, credit counseling providers, official bankruptcy forms, and your local bankruptcy court. Also, you’ll learn where to find information about protecting property in a Nevada bankruptcy.

Official Bankruptcy Forms

Before the Nevada bankruptcy court wipes out (discharges) qualifying debt, you must detail your entire financial picture on bankruptcy forms, including your debt, assets, income, expenses, and financial transactions (property transfers, account closures, and the like).

You can find free, downloadable forms on the U.S. Courts form page. After completing them, you’ll print the forms out for filing in the Nevada bankruptcy court. Also, you’ll submit a filing fee or a request for a fee waiver, as well as proof of completion of a credit counseling course (learn more below).

Nevada Bankruptcy Information

Federal bankruptcy law governs bankruptcy filings. Even so, some aspects of Nevada state law and procedure apply, too.

Means Testing and Credit Counseling Information

You’ll find two types of Nevada-specific information on the website of the U.S. Trustee: means testing figures and approved credit counseling providers.

  • Means test data. Before receiving a discharge in a Chapter 7 bankruptcy, you’ll have to demonstrate that you qualify by passing the “means test.” If your family income is less than Nevada’s median, you’ll qualify. A higher income might still pass after deducting allowed expenses. You’ll find the income charts and expense figures under “Means Testing Information.” A similar calculation helps figure your monthly payment if you file a Chapter 13 bankruptcy instead.
  • Credit counseling providers. Almost all individual filers must have a session with a credit counseling service before filing for bankruptcy and a debt management course after filing to be eligible for discharge. You can access a list of providers under “Credit Counseling & Debtor Education.” Scroll down to find the District of Nevada.

Nevada Bankruptcy Exemptions

Filing for bankruptcy won’t require you to give up all your property. But you might not be able to protect (exempt) everything, either.

  • Exempt assets. You can keep an asset if it appears on the list of Nevada exemptions.
  • Nonexempt assets. The Chapter 7 trustee can sell any property that is not exempt and use it pay your creditors. If you file for Chapter 13 bankruptcy instead, you can keep your nonexempt assets, but you’ll pay its value to your creditors as a part of your three to five-year payment plan.

To learn more about the property you can exempt when you file bankruptcy in Nevada—and to view a list of commonly-used Nevada exemptions—visit Nevada Bankruptcy Exemptions.

Nevada Bankruptcy Court Website and Locations

Filers must follow the local bankruptcy rules for Nevada courts. You can find the local rules, as well as instructions for filing paperwork, on the Nevada Bankruptcy Court website under “Debtors,” then “Filing Without an Attorney?”

The District of Nevada has two divisions. To determine where to file your paperwork, visit the Federal Court Locator page, choose "Bankruptcy" in the drop-down box and enter your location.

Las Vegas Division

Reno Division

Foley Federal Building
300 Las Vegas Boulevard South
Las Vegas, Nevada 89101
(702) 527-7000
C. Clifton Young Federal Building
300 Booth Street
Reno, Nevada 89509
(775) 326-2100

Keep in mind that this overview provides helpful resources for information often needed in bankruptcy and is not a complete guide for preparing a bankruptcy matter. A filer is responsible for learning about the legal consequences of filing a bankruptcy case. If you want to proceed without a lawyer, consider purchasing a do-it-yourself book like How to File Chapter 7 Bankruptcy by Attorney Cara O’Neill and Albin Renauer J.D. The information it provides can help you make important decisions in your case.

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