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


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

Find out who sits on your local bankruptcy court panels. The only lawyers you'll find on this panel will be well-respected attorneys who regularly appear in bankruptcy court. Also, get the names of lawyers on the local bankruptcy court's debtor or creditor committees. People on these committees do it to attract business, but they also take their work seriously.

Get fee specifics. Find out exactly what's included in your lawyer's fees and what isn't. In some complicated proceedings, for example, a forensic accountant may be needed. If that's the case, is it included in your charges or is it an additional fee?

Seek the advice of other legal professionals. Ask yourself which business acquaintances you know, who might in turn know a good bankruptcy lawyer. If you have a personal attorney, that's a good place to start. Understand, however, that bankruptcy law is a specialty. If your lawyer offers to handle the case as part of your usual retainer, be certain he knows his way around bankruptcy court.

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