Bankruptcy Matters We Handle

Serving Denver, Aurora, & Adams County

Are you suffering from overwhelming debt? Unable to make ends meet while being harassed with phones calls, letters, and emails from your creditors or collection agencies? You may be facing a variety of debt-related issues, from wage garnishment to car repossession to foreclosure. You may not have considered bankruptcy, believing it to be too drastic. Yet every year, millions of Americans take advantage of this legal solution provided by the state and federal governments to turn their lives around and get a fresh start.

At Consumer Law Pro, our Denver bankruptcy lawyer provides professional and personable legal help designed to address your particular financial dilemma. We serve small businesses as well as individuals in all income brackets. When you bring your case to our firm, you will always work directly with our attorney—you will never be handed off to someone else.

Contact our Denver bankruptcy attorney at (303) 622-3833 to arrange for a free, 30-minute consultation. We can help you assess all of your legal options for handling your insolvency today.

What Is Bankruptcy?

Bankruptcy is a form of court-administered debt relief provided under Title 11 of the U.S. Code. At Consumer Law Pro, we can help you file:

  • Chapter 7, also called liquidation bankruptcy. Your nonexempt assets are sold off to pay your creditors. No repayment plan exists under this chapter because most or all of your unsecured debt is discharged at the end of the process. Debtors with an income above the state’s median income for a household of their size might not qualify.
  • Chapter 13, which is a reorganization of your debts into a 3-5-year partial repayment plan after which the remaining unsecured debt is discharged. The amount you pay in Chapter 13 is determined by your income and expenses.
  • Chapter 11, which is reserved for businesses of all sizes and individuals with high incomes and high-value assets. Like Chapter 13, it is a form of debt reorganization. Qualifying small businesses may be able to file under Subchapter V of Chapter 11, which is a more streamlined and cost-effective version.

What Is an Automatic Stay?

One of the most substantial benefits of bankruptcy is the court order that takes effect as soon as you file: the automatic stay. This order halts all collection actions for the duration of your bankruptcy process.

More specifically, the automatic stay prevents creditors and collection agencies from initiating or continuing:

  • Calls
  • Letters
  • Emails
  • Lawsuits
  • Foreclosure
  • Car repossession
  • Bank levies
  • Wage garnishment

The relief from these drastic measures is powerful, allowing debtors a chance to reorganize or discharge their debt without the immediate threat of losing what’s most important to them.

Does Bankruptcy Discharge All Debt?

In most cases, bankruptcy can discharge unsecured debt, which includes credit card debt, medical bills, utility bills, and any other debt that isn’t guaranteed by some form of collateral.

Unfortunately, not all debt is dischargeable through bankruptcy. If you owe back taxes, federal student loans, alimony, or child support, bankruptcy may not completely free you from your financial obligations. However, bankruptcy can allow you to discharge other types of debt or create a reasonable repayment plan according to your income. Many people use Chapter 13 bankruptcy, for example, to spread delinquent mortgage payments over the course of their 3-5-year plan, effectively catching up on what they owe without losing their homes to foreclosure.

For more information, contact us online or by calling (303) 622-3833.

Experience You Can Trust

A Price You Can Afford
  • Direct Access to Your Attorney
  • Streamlined Bankruptcy Process
  • Reasonable Fixed Fees for Chapter 7
  • Thousands of Successful Chapter 7 & 13 Case Filings

Call Today for the Relief You Need

Our firm has handled more than 2,000 bankruptcy filings since its inception in 2009. Because of our extensive experience, we can provide quick turnaround times and a streamlined process for intake to filing. If you are suffering from crushing debt, we strongly advise you to take advantage of our free initial consultation to learn how we can help you.

Ready to take the first steps toward a better future? Call Consumer Law Pro at (303) 622-3833 to begin discussing all options at your disposal. Serving Denver and the surrounding areas.

Schedule a Consultation Today

With over 1000 satisfied clients represented by William Foster since 2008, you can be assured that your case will be properly handled from start to finish.

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