MELWANI LAW P.C. - Las Cruces, NM

Dedicated Debt Relief and Bankruptcy Counsel in Las Cruces

Experiencing severe financial hardship, unmanageable credit card balances, or medical debt can induce immense stress and sleepless nights. Melwani Law, P.C. assists individuals and working families throughout Las Cruces, Doña Ana County, and across New Mexico in overcoming overwhelming debt and reclaiming their financial stability. Founded by attorney Arun A. Melwani, who holds degrees in managerial finance and economics from New Mexico State University and earned his law degree from the University of New Mexico School of Law, the firm combines sophisticated financial acumen with compassionate legal advocacy. Having worked previously as a senior financial analyst at Intel Corporation, Arun Melwani analyzes debtor balance sheets with rare analytical precision. If you need to hire an attorney to halt creditor harassment, stop wage garnishments, or save your home, Melwani Law offers the seasoned guidance necessary to secure a true fresh financial start.

Chapter 7 Liquidation and Immediate Creditor Relief

For individuals burdened by unsecured debts who lack the disposable income to repay them, Chapter 7 bankruptcy provides a powerful legal reset. Once a bankruptcy petition is filed, the federal court issues an automatic stay that immediately forbids creditors from contacting you, initiating collection lawsuits, or garnishing your wages. The firm assists clients through every step of Chapter 7 bankruptcy proceedings, including:

• Complete discharge of qualifying unsecured debts, including credit card balances, medical bills, and personal loans.
• Enforcement of the federal automatic stay to abruptly halt creditor harassment, repossession efforts, and wage garnishments.
• Strategic utilization of New Mexico state and federal bankruptcy exemptions to protect your home, vehicle, and retirement accounts.
• Guidance through mandatory credit counseling and the Chapter 7 bankruptcy means test to establish eligibility.

Chapter 13 Reorganization and Foreclosure Defense

When individuals have steady income or significant home equity that exceeds exemption limits, Chapter 13 bankruptcy offers an effective court-approved reorganization plan. Under Chapter 13, debtors consolidate past-due mortgage installments, automobile loans, and tax liabilities into an affordable monthly repayment schedule spanning three to five years. This legal mechanism allows homeowners to stop imminent home foreclosure sales, prevent vehicle repossessions, and eliminate remaining unsecured debt balances upon plan completion.

Comprehensive Guidance and Post-Bankruptcy Recovery

At Melwani Law, P.C., legal advocacy goes far beyond paperwork; the firm is dedicated to restoring long-term peace of mind. Clients are guided through post-bankruptcy credit rehabilitation strategies to help rebuild credit scores quickly and make sound financial decisions moving forward. Offering a free consultation to evaluate your financial situation without pressure, the practice provides transparent fee structures and flexible payment options. With compassionate bilingual staff fluent in English and Spanish, Melwani Law ensures that every client receives dignified, clear, and empowering legal counsel during difficult economic times.