One thing you should know if you’re thinking about filing bankruptcy to eliminate your debts is that bankruptcy can’t get rid of all kinds of debts. For example, one type of debt that cannot be eliminated is court restitution. Restitution typically arises after someone has been arrested and a criminal court imposes as punishment, although…Read more
How To Use A Secured Credit Card After Bankruptcy
As a bankruptcy attorney, I try to avoid seeing my clients’ problems through a single lens. Although many of them come to me in crisis, trying to manage their lives with overwhelming debt, I also try to get them to focus on the future and to think about how to re-establish their credit and improve…Read more
How Will Bankruptcy Affect My Credit Score?
One of the biggest fears my clients have is that bankruptcy will ruin their credit, and that they’ll never be able to get credit again. This fear has to be in the top three misconceptions that people have about bankruptcy. While filing bankruptcy will definitely affect your short-term ability to get credit at good interest…Read more
How To Avoid Bankruptcy: Hire A Personal Financial Coach
As as a bankruptcy lawyer, I also consider myself a counselor at law. What this means is that I believe my first responsibility to my clients, or potential clients, is to give sound and competent advice that I believe is in their best interest. Sometimes that means I won’t make any money. The fact is,…Read more
Can I Use The Colorado Homestead Exemption For An Adjacent Parcel Of Vacant Land?
If you’re considering filing bankruptcy in Colorado, or anywhere else for that matter, it’s important to understand that only a certain amount of real estate or personal property is protected when you file. If you own any unprotected property when you file, the bankruptcy trustee could force you to turn it over and distribute the…Read more
What Happens If I Can’t File Chapter 13 Bankruptcy?
When people come in to talk to me during their free consultation, one question I get from time to time is whether the bankruptcy court will allow them to file bankruptcy. To me the question isn’t whether they can file bankruptcy, but which chapter under the bankruptcy code can they file. One of the main…Read more
Can I Change My Mind About Keeping My House After I File Chapter 13 Bankruptcy?
One of the benefits of Chapter 13 bankruptcy is that it allows you to reorganize your debts. That means that if you have gotten behind on your mortgage, you can get caught up over the course of your three to five year Chapter 13 payment plan. Chapter 13 will also allow you to convert a…Read more
Do Chapter 7 And Chapter 13 Bankruptcy Affect My Credit Score Differently?
When dealing with overwhelming debt, bankruptcy can be the fastest way to help you recover and get the fresh financial start you need. Of course, one consequence of filing bankruptcy is that it will remain on your credit report for several years after you file. You should know that there are differences between Chapter 7…Read more
Colorado Chapter 13 Debtors Can Repay Their Debts Over 60 Months, Even If They Could Pay Them Off Sooner
Chapter 13 bankruptcy, as opposed to Chapter 7 bankruptcy, requires filers to repay a certain amount of their unsecured debt over a period of three to five years. Usually, whether someone is in a Chapter 13 plan for three years or five years can depend on factors such as their household income, whether they owe…Read more
Free Credit Counseling, Even If You Don’t Hire Us
Starting today, we will pay for your online credit counseling, whether you hire us or not. All individuals who file either chapter 7 or chapter 13 are required to take the class, which you can take in the comfort of your home. The required credit counseling session will include an evaluation of your personal financial…Read more
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