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LAKE LAW, PLLC
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Vohwinkel Law in Las Vegas, NV
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Las Vegas bankruptcy attorney specializing in Chapter 7 and Chapter 13 filings, debt relief, and foreclosure prevention with free consultations.
Data compiled from public sources
Vohwinkel Law Review
Vohwinkel Law is a bankruptcy law firm based in Las Vegas, Nevada, founded and managed by attorney Rory Vohwinkel. The firm positions itself as a customer-focused alternative to larger bankruptcy practices, emphasizing clear communication, affordable payment plans, and responsive service. According to their website, they've built their reputation on client satisfaction and listed guidance throughout the bankruptcy process.
The firm offers a comprehensive range of bankruptcy and debt relief services. Primary offerings include Chapter 7 bankruptcy filing, Chapter 13 bankruptcy restructuring, foreclosure prevention and defense, debt relief counseling, student loan debt guidance, and emergency bankruptcy filings. They also advertise personal injury legal services. All initial consultations are provided with no listed cost, and the firm highlights flexible payment arrangements for their legal fees.
Vohwinkel Law differentiates itself through emphasis on communication quality and affordability compared to competitors. Their marketing specifically contrasts their service against "vague answers and slow responses from other bankruptcy law firms." The founder's direct involvement and personalized approach are highlighted as distinguishing factors. They promote themselves as staff context in both personal and small business bankruptcy scenarios.
Based on publicly available information from their website, Vohwinkel Law appears to be a legitimate bankruptcy practice serving the Las Vegas area. However, potential clients should verify attorney credentials independently and note that bankruptcy outcomes depend heavily on individual financial circumstances. The firm's claims about comparative service quality cannot be independently verified through this website content alone. Prospective clients should conduct their own research and comparison before selecting representation.
Services & Features
Chapter 13 bankruptcy filing and debt restructuring
Chapter 7 bankruptcy filing and representation
Creditor harassment cessation assistance
Debt relief and credit counseling guidance
Emergency bankruptcy filings
Foreclosure prevention and defense services
Free bankruptcy consultation and evaluation
Personal bankruptcy filing
Personal injury legal services
Small business bankruptcy representation
Student loan debt consultation
Wage garnishment relief
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Free initial consultation with no obligation
- Advertises affordable payment plans for legal fees
- Handles emergency bankruptcy filings for time-sensitive situations
- Offers both Chapter 7 and Chapter 13 bankruptcy options
- Provides foreclosure prevention services including Chapter 13 repayment plans
- Assists with multiple debt types including student loans and credit card debt
- Serves both personal and small business bankruptcy filers
- Claims responsive communication and clear explanations of legal options
Cons
- Website lacks attorney credential verification, bar association links, or disciplinary history information
- No client testimonials or case results posted on website to substantiate service quality claims
- Limited detail on actual fees or payment plan structures despite claims of affordability
- Website contains repetitive content sections suggesting possible SEO over UX focus
- Personal injury services mentioned but not detailed, creating scope ambiguity
State Consumer Finance Context
This is state-level context for Bankruptcy Services consumers in Las Vegas, NV. It does not confirm that Vohwinkel Law or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Credit and debt help rules in Nevada
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
- Credit repair companies must provide written contract with clear terms, cost, timeline, and explicit statement that consumer has right to dispute debts independently at no cost
- Companies cannot charge fees until services are actually performed; upfront fees are prohibited
- Must provide consumer with copy of their credit report at no charge and inform them of right to obtain free report directly from bureaus
Key state rules to check
- Payday loans capped at 25% of borrower's expected gross monthly income.
- No APR cap on payday loans; rates can exceed 600% APR.
- Maximum loan term is 35 days.
Complaint resources
- Nevada Financial Institutions Division - State Regulator
- Nevada Attorney General Bureau of Consumer Protection - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
State references
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Vohwinkel Law offer?
Vohwinkel Law offers 12 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and debt restructuring, Foreclosure prevention and defense services, Emergency bankruptcy filings, Debt relief and credit counseling guidance, and 7 more.
What profile signals are listed for Vohwinkel Law?
Vohwinkel Law has profile signals associated with Las Vegas residents facing wage garnishment or creditor harassment needing immediate debt relief, Homeowners behind on mortgage payments seeking foreclosure prevention through Chapter 13 restructuring, Small business owners or self-employed individuals considering personal or business bankruptcy, Individuals with regular income seeking to reorganize debt while protecting assets.
What are the strengths and weaknesses of Vohwinkel Law?
Key strengths: Free initial consultation with no obligation; Advertises affordable payment plans for legal fees; Handles emergency bankruptcy filings for time-sensitive situations. Areas to consider: Website lacks attorney credential verification, bar association links, or disciplinary history information; No client testimonials or case results posted on website to substantiate service quality claims.
How does Vohwinkel Law compare to similar companies?
In the Bankruptcy Services category, comparable providers include LAKE LAW, PLLC, Saedi Law Group, LLC, Fonfrias Law Group, LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 7336 W Post Rd Unit 107, Las Vegas, NV 89113
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Vohwinkel Law
Vohwinkel Law is profile signals for Las Vegas-area residents needing immediate bankruptcy protection or foreclosure defense who prefer personalized attention over large firm services. Primary caveat: verify attorney credentials and disciplinary record independently through the Nevada State Bar before engaging, and note that bankruptcy outcomes depend on individual financial situations rather than firm marketing claims alone.
Profile Signals
- Las Vegas residents facing wage garnishment or creditor harassment needing immediate debt relief
- Homeowners behind on mortgage payments seeking foreclosure prevention through Chapter 13 restructuring
- Small business owners or self-employed individuals considering personal or business bankruptcy
- Individuals with regular income seeking to reorganize debt while protecting assets
Updated 2026-04-29
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Quick Summary
- Vohwinkel Law is listed as a Bankruptcy Services provider in Las Vegas, NV on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.
Financial Wellness Guides
What Your Credit Score Actually Means: Number-by-Number Breakdown
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.
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Read guide →Financial Terms Explained (14 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
How Loans Work
Default — Loan Default
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.
Why it matters
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).
Legal Terms
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters
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.
FDCPA — Fair Debt Collection Practices Act
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.
Why it matters
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.
Garnishment — Wage Garnishment
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.
Why it matters
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.
Statute of Limitations — Statute of Limitations (Debt)
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.
Why it matters
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.
Debt & Recovery
Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
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.
Why it matters
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.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
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.
Why it matters
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.
Charge-Off
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.
Why it matters
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).
Collections — Debt Collections
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.
Why it matters
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.
Debt Consolidation
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.
Why it matters
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.
Debt Settlement — Debt Settlement / Negotiation
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.
Why it matters
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.
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters
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.
Judgment — Court Judgment (Debt)
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.
Why it matters
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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