Denver Bankruptcy Attorney

Are you are tired of being harassed by bill collectors and burdened by unmanageable medical debts, credit card debts, car loans and other debts? If you see no light at the end of the tunnel, you may want to file for personal bankruptcy.

The goal of a bankruptcy is to get a fresh start by discharging your debts while keeping the property that you are legally entitled to protect. Filing for bankruptcy can immediately stop foreclosures, repossession activities, and creditor harassment.

The first job of a Denver bankruptcy attorney is to help consumers choose the right form of bankruptcy to deal with their situation. The consequences of making the wrong choice can be heartbreaking.

In general, a Chapter 7 bankruptcy may be used to discharge debt where the debtor cannot pay creditors, and a Chapter 13

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bankruptcy may be used when a debtor wants to protect property that would be lost in a Chapter 7 or the debtor has the ability to pay something to creditors.

Filing the wrong kind of bankruptcy may jeopardize your property. If you are behind on mortgage or car payments, for example, a Chapter 7 bankruptcy may temporarily delay a foreclosure or repossession. A Chapter 13, on the other hand, may stop a foreclosure and provide a way to get caught up on payments through a repayment plan.

A good Denver bankruptcy attorney will understand all the legal complexities of debt protection and can determine what you need and how to get you there.