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Las Vegas bankruptcy law firm offering Chapter 7, Chapter 13, debt relief, and estate planning services with 36 years of combined attorney experience.
Data compiled from public sources
Riggi Law Firm is a legal services provider based in Las Vegas, Nevada, specializing in bankruptcy representation and debt resolution. The firm has over three decades of combined experience helping Nevada residents navigate debt problems and legal matters. They offer remote consultations via telephone and video to increase accessibility for clients facing financial distress.
The firm provides comprehensive bankruptcy services including Chapter 7 and Chapter 13 filings, as well as representation for credit card debt, medical debt, garnishment, repossession, and judgment/lawsuit defense. Beyond bankruptcy, they offer estate planning, probate administration, and civil litigation services. Their website indicates they handle cases ranging from overwhelming consumer debt to complex legal disputes, positioning themselves as a full-service legal firm rather than bankruptcy staff context exclusively.
Riggi Law Firm emphasizes personalized, collaborative service with a focus on communication and preparation. They highlight responsive and accessible client service, extensive case preparation, and results-driven representation. The firm's marketing emphasizes understanding what clients are experiencing and tailoring approaches to individual circumstances rather than applying standardized solutions.
The firm appears reputable and legitimate based on available information, though the website contains a minor inconsistency: it states 36 years of combined experience in "family law" when the firm's primary focus is bankruptcy and debt relief, suggesting possible template or editing errors. No negative information is publicly available, but potential clients should verify attorney credentials and licensing independently before engaging services.
This is state-level context for Bankruptcy Services consumers in Las Vegas, NV. It does not confirm that Riggi Law Firm 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.
Riggi Law Firm offers 12 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Credit card debt negotiation and relief, Medical debt resolution, Wage garnishment defense and reduction, and 7 more.
Riggi Law Firm has profile signals associated with Nevada residents overwhelmed by credit card debt seeking Chapter 7 or Chapter 13 bankruptcy, Individuals facing wage garnishment, repossession, or debt collection lawsuits, People with substantial medical debt seeking professional legal guidance on debt resolution options, Nevada residents needing estate planning or probate services alongside debt relief.
Key strengths: Over 36 years of combined attorney experience in debt and legal matters; Handles multiple debt issues: credit cards, medical bills, garnishment, repossession, and judgments; Offers remote consultations by phone or video for accessibility. Areas to consider: Website contains inconsistency claiming 36 years in 'family law' when firm focuses on bankruptcy/debt; Limited online information about specific bankruptcy outcomes or client results.
In the Bankruptcy Services category, comparable providers include Dorothy Bunce, Frank Sorrentino, My Vegas Bankruptcy Attorney - Law Office of Brian D. Shapiro. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Riggi Law Firm is profile signals for Nevada residents facing multiple forms of debt or financial distress who want experienced legal representation combined with personalized service. The main caveat is that while they claim bankruptcy experience context with 36 years experience, consumers should independently verify attorney credentials and licensing before retaining services, as the website lacks specific attorney names or verifiable bar information.
Las Vegas bankruptcy attorney with 35+ years of experience handling Chapter 7, Chapter 13, and debt resolution cases. Founded A Fresh Start law firm to help Nevada clients rebuild credit post-bankruptcy.
Profile signals: Nevada residents facing overwhelming unsecured debt (credit cards, medical bills, personal loans) seeking Chapter 7 liquidation, Individuals with regular income seeking structured Chapter 13 repayment plan representation
Las Vegas bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with three experienced attorneys offering free consultations and bilingual services.
Profile signals: Las Vegas residents with significant unsecured debt seeking formal bankruptcy discharge, Spanish-speaking consumers needing bilingual legal representation for bankruptcy
Law Office of Brian D. Shapiro provides bankruptcy representation and legal services in Nevada and California, led by an experienced attorney with 19+ years of practice.
Profile signals: Nevada and California residents seeking bankruptcy representation from an attorney with trustee credentials, Individuals wanting representation from an attorney with strong community standing and pro bono involvement
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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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