It’s not surprising that if you’re thinking about filing bankruptcy, you are also struggling with finding a bankruptcy attorney you can afford. Lots of people are looking for the cheapest bankruptcy attorney they can find. It isn’t hard to find lawyers who offer to do your bankruptcy for $499. Just take a look on craigslist.org…Read more
What is the Statement of Financial Affairs in My Bankruptcy Petition?
The Statement of Financial Affairs is included in every Chapter 7 and Chapter 13 bankruptcy petition. It is also known as Official Form 7. The form requires your attorney to list a variety of information, including your income for the last three years, payments to creditors for the past 90 days which exceed $600.00, any…Read more
What is Schedule J in My Bankruptcy Petition?
Schedule J Of Your Bankruptcy Petition Schedule J (Official For 6J) is the Current Expenditures of Individual Debtor(s) form. Schedule J is a form that is used in bankruptcy cases to report the debtor’s monthly living expenses. Debtors file it as part of their bankruptcy petition. The bankruptcy court uses it to determine the debtor’s…Read more
Where Can I Find a Free Bankruptcy Clinic in Colorado?
Each month volunteer attorneys from the Denver Bar Association conduct a free clinic for people who are considering bankruptcy. They are held in downtown Denver at the U.S. Custom House Building, where the bankruptcy court is. These clinics are presented by trustees and consumer bankruptcy attorneys, and address issues such as credit implications, what to…Read more
Don’t Let Financial Infidelity Lead You to Bankruptcy
When I sit down with a potential client during a bankruptcy consultation, I ask them to tell me about their debts. I am always a little amazed when I talk to couples and watch as one or the other learn about debts they never knew of. Turns out things are worse than they thought. Apparently,…Read more
What is Schedule I in My Bankruptcy Petition?
When your attorney prepares your bankruptcy petition, she will have to complete Schedule I. Schedule I is where your current income is listed, and includes income from all sources, including employment, spousal support, social security, and others. It also includes the deductions that are taken for such things as payroll taxes, union dues, insurance, and…Read more
What Is A Rule 2004 Examination In Bankruptcy?
Under Rule 2004 of the Bankruptcy Rules of Procedure, any party in interest in a bankruptcy proceeding may examine another party. The scope of the examination is limited to issues related to the bankruptcy and does not give a party free reign to ask questions about anything. Rule 2004(b) states: The examination of an entity…Read more
5 Ways to Spend Your Extra Cash Before You File Chapter 7 Bankruptcy
Occasionally, a client of mine will have some cash on hand before we file her bankruptcy petition. Maybe she just got her tax refund, or got a bonus. Unfortunately, in Colorado, there is no exemption in bankruptcy for cash on hand. That means that if you have any cash on hand, including a balance in…Read more
Can a Creditor Force Me to Waive an Exemption in Bankruptcy?
A Creditor Cannot Force You To Waive Your Colorado Bankruptcy Exemptions Section 522(e) of the Bankruptcy Code prohibits creditors from forcing a debtor to waive an available exemption in bankruptcy. Section 522(e) reads: A waiver of an exemption executed in favor of a creditor that holds an unsecured claim against the debtor is unenforceable in…Read more
How to Re-Build Your Credit Score After Bankruptcy
New York Times’ columnist Tara Siegel Bernard has written an article on repairing your credit after it’s taken a hit, whether by a foreclosure, short sale, or bankruptcy. Bernard recommends focusing on your FICO score. Much of the advice is for people whose financial situation hasn’t slipped to the point of considering bankruptcy. Nevertheless, once…Read more
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