LawInfo is an attorney directory platform connecting consumers with bankruptcy and credit repair lawyers in North Las Vegas, Nevada, not a credit repair company itself.
Data compiled from public sources · Google rating shown when a stored review count is available
LawInfo operates as a legal services directory and referral platform, not as a direct credit repair or bankruptcy service provider. The website functions as a searchable database of attorneys and law firms across multiple practice areas, including bankruptcy, credit repair, personal injury, immigration, and family law. Users can search for attorneys by legal issue and location to find representation that matches their needs.
The platform does not provide credit repair services, dispute credit report errors, or file bankruptcy cases directly—instead, it facilitates connections between consumers and licensed attorneys who offer these services. LawInfo distinguishes itself through its Lead Counsel Verification process, which independently confirms that listed attorneys maintain valid bar licenses and practice in their advertised areas. The platform also features Super Lawyers® ratings, showing which attorneys have achieved peer recognition and professional achievement in their respective practice areas.
Average experience metrics are provided for law firms, allowing consumers to assess attorney background before contacting them. , Devine Legal Group, Howard & Howard Attorneys PLLC, Fox Rothschild LLP, and others who serve the North Las Vegas area. For someone seeking bankruptcy or credit repair assistance, LawInfo provides a vetted starting point to find qualified legal representation rather than providing the services themselves.
The directory model means LawInfo's value depends entirely on the quality and credentials of listed attorneys, making it a research and discovery tool rather than a direct service provider.
This is state-level context for Bankruptcy Services consumers in North Las Vegas, NV. It does not confirm that Credit Repair Circle or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Relevant law: Nevada Credit Services Organization Act (Nev. Rev. Stat. § 598.741-598.787)
Registration: Required with Nevada Division of Mortgage Lending
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Credit Repair Circle offers 10 services including Attorney directory search by legal issue and location, Lead Counsel Verification of attorney bar licenses and practice areas, Super Lawyers® rating display and peer achievement recognition, Average attorney experience metrics and background information, Law firm profile pages with contact and address information, and 5 more.
Credit Repair Circle has profile signals associated with Consumers in North Las Vegas seeking to locate verified bankruptcy attorneys for Chapter 7 or Chapter 13 filing, Individuals needing credit repair legal representation and wanting to verify attorney credentials before contact, Those researching multiple law firms and comparing attorney experience before scheduling consultations.
Key strengths: Lead Counsel Verification independently confirms attorney bar licenses and practice areas; Super Lawyers® ratings show peer recognition and professional achievement; Average experience metrics provided for law firms to assess attorney background. Areas to consider: LawInfo is a referral platform only—does not provide credit repair or bankruptcy services directly; Quality and outcomes depend entirely on selected individual attorney; LawInfo does not listed refund term results.
In the Bankruptcy Services category, comparable providers include Consumer Debt Counselors, Inc., CreditUP & Co., Veterans & Civilian Credit Restoration Corp. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
LawInfo is a legal directory and referral platform, not a credit repair or bankruptcy service provider itself. It is best suited for consumers in North Las Vegas who need help locating and vetting qualified bankruptcy attorneys or credit repair lawyers before initiating direct contact and representation. The main caveat is that LawInfo only connects users to attorneys—it does not handle cases, listed refund term outcomes, or provide listed pricing; consumers must contact individual firms to discuss fees, services, and case details.
ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.
Google rating from 87 reviews
Profile signals: Consumers seeking free, unbiased debt management education and budget counseling, Homebuyers needing pre-purchase credit preparation and down payment assistance guidance
CreditUP & Co is a Phoenix-based credit repair service offering credit report audits and dispute services to help clients repair and build positive credit history.
Google rating from 16 reviews
Profile signals: Consumers with negative items on credit reports seeking professional dispute assistance, Individuals wanting to understand credit mechanics alongside repair services
Credit restoration company serving veterans and civilians offering dispute services, debt negotiation, and credit counseling with a 90-day results listed refund term or money back.
Google rating from 10 reviews
Profile signals: Veterans transitioning to civilian life seeking credit recovery after service-related financial hardship, Consumers with multiple negative items (collections, charge-offs, late payments) willing to pay for dispute services
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A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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