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

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.

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.

Evaluate the responses thoroughly. As mentioned, bankruptcy law can be a volume business, which means the time you'll actually spend with a specific attorney might be minimal compared to what you spend with a clerk or a paralegal. This is yet another reason to conduct a thorough interview process, and to carefully evaluate the responses. Did each candidate answer you fairly and in sufficient detail? Do both the attorney and the firm have the expertise you need? Do they appear overworked already?