Bankruptcy Relief
That Gives You a Fresh Start
Regain Financial Control and Peace of Mind
Compassionate Bankruptcy Services
Financial distress can happen to anyone. Job loss, medical bills, divorce, or unexpected expenses can quickly lead to overwhelming debt. Our bankruptcy services offer a path to financial recovery with dignity and respect.
We understand that seeking bankruptcy protection is a difficult decision, and we're here to guide you through the process with empathy and expertise.
- Personalized Approach: Your unique financial situation deserves individualized attention and solutions.
- Immediate Protection: Filing bankruptcy provides immediate relief through the automatic stay, stopping collection actions.
- Clear Communication: We explain complex bankruptcy concepts in straightforward, understandable terms.
- Affordable Fees: We offer reasonable flat-fee pricing and payment plans to make bankruptcy accessible.
- Seamless Future Planning: Your fresh start is just the beginning. We can easily transition your bankruptcy information into estate planning protection or business services, with special discounts available within one year of discharge.
Benefits of Bankruptcy Protection
Stop Creditor Harassment
Filing bankruptcy triggers an automatic court order halting collection calls, lawsuits, wage garnishments, and repossessions.
Eliminate Unsecured Debt
Discharge eligible debts including credit cards, medical bills, personal loans, certain types of taxes and other types of debt through Chapter 7 bankruptcy.
Save Your Home
Chapter 13 bankruptcy can help you catch up on mortgage arrears and potentially remove second mortgages or home equity lines of credit.
Our Bankruptcy Process
We've developed a streamlined, supportive process to make your bankruptcy filing as stress-free as possible.
Free Initial Consultation
Our bankruptcy process begins with a free consultation where we:
- Review your current financial situation
- Discuss your goals and concerns
- Assess your debts, assets, income, and expenses
- Explain bankruptcy options specific to your situation
- Answer all your questions about the bankruptcy process
This consultation can be conducted in person or virtually for your convenience.
Document Collection
We'll help you gather all necessary documents for your bankruptcy filing. The more organized you already are here, the faster we can work. But we can work with anyone to gather:
- Tax returns for the last 2 years
- Pay stubs or income documentation for the last 6 months
- Current bank statements
- Vehicle and property information
- Credit reports and debt documentation
- We provide a detailed checklist and secure document upload system to make this process as simple as possible
Petition Preparation
Using the information you've helped us collect as well as your credit report, we'll prepare your comprehensive bankruptcy petition:
- Complete inventory of assets and exemption planning to protect your property
- Detailed analysis of your income and expenses
- Full disclosure of certain financial transactions to avoid bankruptcy fraud
- Calculation of your eligibility for a Chapter 7 case (necessary even in Chapter 13 cases)
Petition Review and Filing
Before filing, we'll thoroughly review your petition with you:
- We'll explain each section of the bankruptcy petition
- You'll have the opportunity to ask questions and provide clarifications
- Once you're comfortable with the petition, we'll file it electronically with the bankruptcy court
- The automatic stay goes into effect immediately upon filing, stopping creditor actions
341 Meeting of Creditors
Approximately 30-45 days after filing, you'll attend the 341 Meeting of Creditors:
- We'll prepare you for this meeting in advance, we aim for no surprises
- Your attorney will attend with you for support and representation
- The trustee will ask you questions about your petition under oath
- Creditors may attend but rarely do
- Most meetings last less than 10 minutes
Discharge and Fresh Start
The final step in your bankruptcy journey:
- In Chapter 7, discharge issues automatically from the court roughly 60 days after the 341 creditors' meeting
- In Chapter 13, we apply for a discharge order after completion of your repayment plan
- Our team remains available for questions about your bankruptcy
- We can help deal with creditors or fraudsters who haven't gotten the memo about your fresh start
Bankruptcy Options We Offer
Chapter 7 Bankruptcy
Often called "straight bankruptcy," Chapter 7 provides debt relief through liquidation:
- Eliminate most unsecured debts in approximately 3-4 months
- Keep exempt property while discharging eligible debts
- Escape from overly expensive rent-to-own contracts, time-shares, or loans on cars you no longer want
- Ideal for those with primarily unsecured debt and limited disposable income
- Must qualify through the means test based on income and household size
Chapter 13 Bankruptcy
A reorganization bankruptcy that creates an affordable payment plan based on your budget:
- Create a 3-5 year repayment plan based on your disposable income
- Catch up on mortgage or car payments to avoid foreclosure or repossession
- Protect assets that can't be protected by an exemption in a Chapter 7
- Often pay just a portion of unsecured debts while still receiving a discharge
- Receive debt forgiveness (discharge) upon completion of your payment plan
Means Test Analysis
Not sure if you qualify for Chapter 7? We can help:
- Comprehensive analysis of your income compared to Colorado median income
- Detailed review of allowable expenses and deductions
- Strategic planning to maximize your chances of Chapter 7 qualification
- Clear explanation of your options based on means test results
Non-Bankruptcy Alternatives
Sometimes bankruptcy isn't the best solution. We'll give you honest anlysis and advice based on your specific situation.:
- Debt settlement negotiations with creditors
- Debt management plans through credit counseling
- Strategic default and statute of limitations planning
Frequently Asked Questions
Ready to Reclaim Your Financial Future?
Schedule your free bankruptcy consultation today and take the first step toward debt relief.