After we meet with someone for an initial consultation, we give them a worksheet that asks them to list all of their assets, income, debts, and expenses. Although the worksheet doesn’t get submitted to the bankruptcy court, it is the foundation of the bankruptcy petition. We emphasize that the need to answer all of the…Read more
Can I Reopen My Bankruptcy Case After It Has Been Closed?
From time to time we get calls from people who have already filed a bankruptcy case, usually a Chapter 7 case, that the bankruptcy court has closed. For one reason or another, they want to know if the case can be reopened. Sometimes it’s because they have forgotten to file the certificate of completion for…Read more
Why You Should Hire A Bankruptcy Attorney To Help You With Debt Settlement
One of the things I like about being a bankruptcy lawyer is helping people avoid bankruptcy. Believe it or not, that’s my primary objective when someone comes in for a consultation. I try to look at their financial situation from every possible perspective to see if there is an alternative to bankruptcy. One way that…Read more
What Are The Most Common Debts You Can Eliminate By Filing Bankruptcy?
It occurred to me the other day that in my consultations and writing I focus a lot on what bankruptcy cannot do or what debts bankruptcy cannot eliminate. I suppose I do that mainly because of all the misinformation about bankruptcy. As a result, I tend to give less attention to the kinds of debt…Read more
Should I File Chapter 7 Or Chapter 13 Bankruptcy To Keep My House?
The biggest concern that people who own or are buying their home have when they come in to see me for a consultation is whether or not they’ll be able to keep their home. The good news is that bankruptcy offers options that typically allow someone to keep their home, either in Chapter 13 or…Read more
How To Avoid Medical Bankruptcy: Apply For Financial Assitance
Earlier this year I was visited by an older woman who needed some help with medical bills that she couldn’t manage. She had suffered a heart attack and had to visit the emergency room and stay in the hospital for a few days. Shortly after she left she got a bill in the mail for…Read more
How Soon Will I Qualify For A Home Loan After Bankruptcy?
Of all the questions I get asked during consultations with potential clients, “When will I be able to buy a house?” has to be in the top five. They are concerned about how bankruptcy will affect their financial future and how long they’ll have to wait before they’ll be approved for a mortgage. Unfortunately, there…Read more
How Veterans Can Avoid The Bankruptcy Means Test
As a navy veteran, veteran issues are near to my heart. It seems that more and more I am meeting with people who have been recently separated from the military for disability reasons. While most of these individuals are receiving veteran disability benefits which place their income well within the median income for their household…Read more
What You Should Know About Credit Repair Agencies And The Colorado Credit Services Organization Act
If you’re like most people who come into our office for a consultation, you consider bankruptcy to be an option of last resort. Like you, these people have tried other approaches to getting their debt under control or improving their credit rating. If you are trying to improve your credit score, you may have come…Read more
How To Rebuild Your Credit After Bankruptcy – Pay Off Your Credit Cards Every Month
As you can imagine, you should expect that filing bankruptcy will make your credit score drop. Depending on what your score was before you filed, it can take a fairly significant hit. One of the biggest misconceptions, though, is that you won’t be able to get credit for ten years after you file. You might…Read more
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