Denver Bankruptcy Attorney
Bankruptcy Lawyers in Denver County, CO Helping You and Your Family Toward Financial Freedom
Individuals and small businesses may naturally face financial challenges during tough times, and this has only been exacerbated with the COVID-19 pandemic. Consumers are finding it more and more difficult to make ends meet. Many Denver residents choose to get a fresh start and file for bankruptcy. It is important to know that there are two different types of bankruptcy available to different consumers based on their circumstances – Chapter 7 and Chapter 13.
Curtis Law Firm has been representing clients in bankruptcy cases for more than 15 years. Our Denver bankruptcy attorneys take a personalized, very hands-on approach to our bankruptcy cases, and it is our goal to fight for clients and help you navigate toward financial freedom. We will do our best to help you get through the bankruptcy process to be in a better, more positive place than before.
When you work with our firm, you can discuss your situation with a bankruptcy attorney who understands how stressful it can be to face creditor calls, threats of foreclosure, or repossession in the Denver metro area. We regularly guide clients through cases filed in the United States Bankruptcy Court for the District of Colorado, and we can explain how local rules, Colorado exemption laws, and trustee practices may affect your options. By reviewing your income, assets, and goals, we help you decide whether a Chapter 7 discharge or a Chapter 13 repayment plan is the best path to protect your property and rebuild your financial life.
Click here to see the District of Colorado's Bankruptcy Resource Page.
Contact us for a free initial bankruptcy consultation online or at (720) 408-7726. Let’s get you out of your financial rut. The Denver bankruptcy attorneys at our firm proudly serve clients throughout Denver, Jefferson, Douglas, Arapahoe, and Adams Counties.
Which Is Best For You? Chapter 7 and Chapter 13 Bankruptcy
When Should You File For Chapter 7 Bankruptcy?
For more information check the Chapter 7 page.
Certain individuals with an income below the “Means Test” threshold may file Chapter 7 bankruptcy. Chapter 7 bankruptcy involves the complete disclosure of all your income, debts, and assets. The goal is to prove to the Court that you do not have enough income to pay back your debts and you do not have any assets that can be sold off to pay your debts. In some cases, clients do have unprotected assets (e.g., valuable cars, guns, etc.), but our job is to identify those assets and work with you to protect them before you file. One important benefit of filing bankruptcy is the automatic stay, which will temporarily prevent creditor lawsuits, wage garnishments, and creditor harassment. The purpose of this “stay” is to give the debtor sufficient time to complete the bankruptcy process without the added stress of creditor harassment.
The experienced Denver bankruptcy attorneys at our firm can help you throughout every step of the Chapter 7 process, including gathering and preparing the necessary paperwork for your bankruptcy filing. We also file everything electronically with the court for your convenience. We will also be with you at the Meeting of Creditors, where your creditors may inquire about certain things regarding your bankruptcy petition. With our dedicated bankruptcy attorneys by your side, you should not be taken by surprise or feel underprepared for such a meeting. We offer Chapter 7 bankruptcy services for as little as $100 to get started. Let’s get your debt discharged under Chapter 7 today!
When Should You File For Chapter 13 Bankruptcy?
Visit our page on Chapter 13 to learn more about the specific filing process.
Chapter 13 bankruptcy is distinct from Chapter 7 in that it can help avoid liquidation of assets and turns instead to a repayment plan to pay off the debt over 3 to 5 years. Like Chapter 7 though, Chapter 13 also allows the benefits of an automatic stay and involves a creditor meeting.
The most important element of Chapter 13 is negotiating the repayment plan. Depending on your situation, you may settle on a monthly payment plan over the course of 3 or 5 years. Be aware that the Trustee assigned to your case may negotiate for higher payment amounts than desirable, so having an attorney on your case can help you ensure you negotiate for fair lower payments in your best interests and abilities. Once all the payments have been made according to the plan, you may discharge any remaining debt you may have and get the fresh start you have been waiting for.
Understanding Life After a Bankruptcy Filing
Many people who are thinking about bankruptcy focus only on the immediate relief from calls, lawsuits, and garnishments, but it is just as important to understand what your financial life can look like after your case. Once your case is closed, you can begin rebuilding your credit, setting a realistic budget, and planning for future goals such as buying a home in the Denver area or saving for education. Our team can walk you through how a discharge will appear on your credit reports, how long it typically remains there, and practical steps you can take to show new creditors that you are managing money responsibly.
As you move forward, we can also discuss how to avoid problems that might lead back to overwhelming debt, such as relying too heavily on high-interest credit cards or taking on unaffordable car loans. A bankruptcy lawyer at our firm can help you review your income and expenses so you can create a plan that fits the cost of living in Denver and surrounding communities without putting yourself back into crisis. By combining legal guidance with common-sense financial planning, we aim to help you use bankruptcy as a true fresh start rather than a temporary pause in your financial difficulties.
Contact us for a free initial consultation with our Denver bankruptcy lawyers online or at (720) 408-7726.
Our Testimonials
Hear What Our Clients Are Saying
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"He fully investigated points that needed clarification."He is very caring and makes sure you understand the complications that are involved in your case.- Laura S.
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"Very understanding law firm also and a lawyer that cares about your case!"If it wasn’t for Cory, I don’t think my case would’ve gone good like it did.- Dania C.
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"Overall this firm is great, they care about their clients!"Stacy was wonderful very helpful and informative. She made the whole process easy and smooth.- Shirley S.
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"Corey and his staff especially Stacy were exceptional."They fully represent you as a client and fight for what is right and in the best interest of the children.- Frank E.
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"Curtis Law Firm is better than 5 stars."Small enough to care and knowledgeable to know what they are doing.- Mary J.
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"He very patiently answered all our questions (and we had a lot of them)."It was wonderful to be reassured, His office staff was courteous, and Mr. Curtis was knowledgeable, professional, but was very personable.- Shirley H.
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"He is very knowledgeable, professional, and likeable."I have referred friends and family to him because I trust he will provide them with excellent legal representation.- Amy G.
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"Nice smart compassionate lawyer."Very smart. Very resourceful. Addresses all options.- Jason C.
Why Hire Curtis Law Firm For Denver Bankruptcy?
If you are facing a bankruptcy concern in Denver, contact our firm for experienced and skilled legal guidance. Our experienced Denver bankruptcy attorneys take a hands-on approach to our bankruptcy cases and will always provide quality legal advocacy. While no one can guarantee exact results, our firm can promise that we will help you get through your financial mess with sure hands and navigate you towards a more positive place than before.
For more than 15 years, the Curtis Law Firm has served the Denver metro area, Jefferson County, Douglas County, Arapahoe County, and Adams County. While times are tough and finances can be tight, legal needs will never disappear. The Curtis Law Firm, LLC believes everyone should be able to afford legal services. In addition to helping you understand your rights, we will also help you protect them. Providing every client with the legal services they need is our number one priority.
When you sit down with a member of our team, we take the time to understand how your debt affects every part of your life, from your home in Denver or the surrounding counties to your job, family obligations, and long-term goals. Because we handle family law, estate planning, and criminal defense in addition to bankruptcy, we can spot issues such as support orders, pending criminal fines, or inherited property that may affect the timing and structure of your case. This broader perspective allows a bankruptcy lawyer at our firm to craft a filing strategy that fits your overall situation instead of looking at your debts in isolation.
Take the first step to financial freedom with Curtis Law Firm. Our Denver bankruptcy attorneys offer free initial consultation for bankruptcy cases; call (720) 408-7726 or reach out to us online to get started! Flat rates and unbundled services available.
Benefits of Hiring an Attorney for Bankruptcy
Our Denver bankruptcy attorneys are knowledgeable in all areas pertaining to Colorado bankruptcy law and understand how to navigate individual cases. Some key advantages of working with a bankruptcy lawyer include:
- Knowledge of Colorado laws – Our Denver bankruptcy lawyer is highly knowledgeable about the intricacies of federal and state laws, as well as local court procedures pertaining to bankruptcy filings. This knowledge can prove valuable when it comes to protection from creditors and collection activities during proceedings.
- Form preparation support – Our qualified Denver bankruptcy attorney can help you prepare the necessary forms accurately and efficiently, reducing the chance of errors or omissions that could delay or invalidate your filing.
- Objective legal guidance – When going through tough financial times, having an impartial third party who knows the facts can be invaluable when it comes to making decisions about what type of debt relief best suits your needs and situation.
- Negotiation and advocacy – Experienced attorneys know effective strategies for negotiating with creditors in order to obtain better repayment terms or have debts discharged altogether.
In addition, when you work with our firm you have someone to appear with you at hearings in the United States Bankruptcy Court for the District of Colorado, whether your case is assigned to a trustee in Denver or in a nearby county. We can help you prepare for questions from the trustee, organize supporting documents, and respond to any objections that may be raised by creditors. Having a bankruptcy lawyer who understands how local trustees and courts typically handle issues such as reaffirmation agreements, plan confirmation, and exemption disputes can make the process more efficient and less overwhelming for you and your family.