How Much Does Bankruptcy In Colorado Cost?
We offer flexible payment options without any hidden fees or costs. When you meet for a free, confidential bankruptcy consultation, we’ll tell you exactly how much it will cost once we understand your complete financial situation. After that, you’ll have plenty of time to decide whether you’d like our help to get you on the road to financial recovery.
We won’t rush you into making a decision about filing bankruptcy, and we won’t rush you through the meeting. You’ll get the personal attention you deserve from an experienced bankruptcy lawyer every step of the way.
We understand that you’re considering bankruptcy because you’re struggling to make ends meet. Our fees take into account your personal financial situation, including your income, household size, and the type and amount of debt you have. If necessary, you can make installment payments. We also accept payments from third parties.
Flat-Fee Denver, Colorado Attorney For Bankruptcy Near You
Most people want the price before they spend half an hour on the phone, so here it is.
- Chapter 7: fees start at $2,500.00, and include the court filing fee, credit and financial management classes, a three-bureau credit report. It’s a flat fee, and is all 99.9% of my clients will pay.
- Chapter 13: attorney fees start at $2,500.00, and include the court filing fee, credit and financial management classes, a three-bureau credit report. There are additional attorney fees that are paid through the month chapter 13 plan payments.
You can hire us today for $100. The rest is paid over time, and the next section explains how.
Your fee depends on your situation. Cases take more work when there is business or self-employment income, property that needs careful protection, recent transfers of money or property, a prior bankruptcy, or a lawsuit or garnishment already in progress.
We will quote you an exact fee during your consultation, and that quote will not change unless your circumstances do.
What your fee covers
The consultation is free and is not part of your fee. Your fee covers full representation in a typical Chapter 7 or Chapter 13 case, which includes:
- A full review of your income, debts and property
- A credit report from all three credit bureaus, so nothing gets left out of your case
- The credit counseling course required before filing
- Handling creditor calls from the day you hire us
- Preparing and filing your petition, schedules and statements
- Representing you at your meeting of creditors
- Working with the trustee and answering your questions through the life of your case
A few matters fall outside a typical case and are quoted separately if they come up, including adversary proceedings.
Paying for it
Almost nobody pays the whole fee at once, and we do not expect you to.
$100 to get started
A $100 payment makes you a client. From that day forward we are your attorneys. You can give our number to creditors, and we will take their calls You can call us with questions as they come up instead of facing them alone.
The balance over six months
You pay the rest over up to six months, in whatever amounts your budget allows. There is no fixed monthly payment to qualify for and no credit check. If you can pay more in a good month, pay more and finish sooner. If money is tight, pay less.
We file once the fee is paid in full
Your case is filed after your fee is paid in full and your paperwork is complete. That means the pace of your payments sets the pace of your case, and it matters for the reason explained next.
Important: collection does not stop until your case is filed
This is the part people most often misunderstand, so we want to be direct about it.
Hiring us does not stop collection. Filing does. Until your case is actually filed with the bankruptcy court, foreclosure, wage garnishment, vehicle repossession, lawsuits and judgments being recorded against you all continue. The automatic stay, which is the court order that halts collection, takes effect the moment your case is filed and not a day sooner.
Once you hire us, we can take calls from your creditors and advise you, and that alone brings most people a good deal of relief. What it cannot do is stop legal action. Only filing does that.
We file once your fee is paid in full and we have all the information and documents your petition requires. After we have everything we need, filing usually takes two to three weeks.
So the timeline is in your hands more than ours. The faster your payments and paperwork are complete, the sooner your case is filed and the sooner collection stops.
If you are facing a foreclosure sale date, a garnishment that has already started, a repossession, or a court date, say so during your consultation. We will look at the calendar with you and tell you plainly whether filing in time is realistic, and what your payments would need to look like to get there.
We work on a flat-fee basis.
Once we set our fee, that’s it. Our fee includes complete representation throughout the entire bankruptcy process. We’ll prepare your bankruptcy petition, appear at your meeting of creditors, respond to any inquiries by creditors and trustees, and address any objections to your bankruptcy discharge.
You’ll be able to reach your bankruptcy attorney any time of the day or night, including weekends. If your attorney can’t talk to you when you call, we’ll return your call as soon as possible. We know that this is a stressful time for our clients, and our goal is to make it as stress free as possible. Finally, our relationship doesn’t end until your bankruptcy court closes your case, and we don’t charge you anything more for calls to answer questions after that. We want you to be happy with our services.
Unlike most other Denver, Colorado attorneys for bankruptcy, our fee also includes a full credit report and the cost of the online education classes you have to take when you file bankruptcy. This saves you time and money in getting your bankruptcy filed.
Our Written Guarantee
We want you to:
- Be happy with your services.
- Be able to recommend us to friends and family member.
- Feel that you’ve received the best representation possible.
While we can’t guarantee specific outcomes, we can guarantee this: if you’re not satisfied with our service, we’ll make it better. We will resolve the issue to your satisfaction, even if it means a reduction in your fees.
Talk To An Affordable Denver, Colorado Bankruptcy Attorney Today
To learn more about whether or not we’re the best flat fee Colorado bankruptcy attorneys near you, schedule your free, confidential bankruptcy consultation with a bankruptcy attorney today. Our online scheduling system allows you to schedule bankruptcy consultation at a time that is convenient for you or you can call 303.331.3403 to set up an appointment.
