Rick A. Yarnall, Esq.
Chapter 13 Bankruptcy Trustee

The Bankruptcy Court and Legal Aid Center of Nevada has complied the following:
 - U.S. Courts Bankruptcy Basics
 - Nevada Legal Aid - Bankruptcy Informational Videos
 - Bankruptcy Terminology
 - Official Bankruptcy Forms
 - Local Bankruptcy Forms
 - Federal Bankruptcy Rules
 - Local Bankruptcy Rules
 - Administrative and General Orders

Every debtor must attend a 341 meeting of creditors. At this meeting, the Trustee and Creditors have an opportunity to question the debtor about their finances and the information filed with the court.  You must bring government issued documentation to establish your identity and your social security number. Most people bring their driver's license and social security card.

In Nevada, a Chapter 13 Debtor may elect to enter into the Mortgage Modification Mediation program. This program was designed to allow debtors to explore mortgage modification options with their lenders for real property. Click here to learn more.

If you move, or your address changes for any reason, you must file Local Form 4002 Change of Address of Debtor with the Bankruptcy Court. This form is can be found here.

When you file your Chapter 13, your creditors are prohibited from taking any action against you. In exchange for that protection, you must complete your obligation under your plan. One of those obligations is making your payments to the Trustee on time. If you miss payments, the Trustee cannot pay your creditors as called for by your plan and the Trustee is obligated to file a motion to dismiss with the Bankruptcy Court. If you have a major change in your circumstances, you should notify your attorney at once. Your attorney can re-evaluate your financial situation and, if appropriate, modify your plan to reflect the changed circumstances. This process can take several weeks, so be sure to contact your attorney immediately if you foresee any problem making your payments.

Annually, the Trustee will send you a complete record of all receipts and disbursements. It will tell you exactly how much money the Trustee has received and what distributions have been made in your case. You may also monitor your case online at www.ndc.org.