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.

Bankruptcy Lawyer Tips

Ask lots of questions. Once you have some candidates in mind, ask them the following questions (The answers to each of these questions are critical, so if you get evasive answers, it's probably a red flag that this is not the firm for you): What certifications do you have? How many bankruptcies have you handled? How many do you handle in a month or year? Of those, how many are business filings? How much access will I have to you during my filing? If I'm not working directly with you, who will I be working with? Can I interview the person with whom I would be working? What time frame do you have for this bankruptcy? How will the procedure work?

Stay involved. Once you hire a lawyer, don't be content to let him or her handle it alone. Double-check all filings. Did any of your creditors get dropped off the list? Staying on top of your bankruptcy filing will help ensure that the proceedings go smoothly and will keep your lawyer on his or her toes.

Don't procrastinate. The idea of hiring a bankruptcy attorney has all the allure of having teeth pulled. But don't let this prevent you from beginning your investigation for a good lawyer as soon as you know you're going to need one. Waiting until the last moment won't give a good attorney enough time to adequately prepare your case.





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