NEW CLIENTS: CHAPTER 7 OR CHAPTER 13

I DO NOT DO CHAPTER 11 or the newer Subchapter V for small business, but I can refer you to lawyers who do those types.

I do a phone or video consultation to discuss your financial problems and to review 1) if a bankruptcy will solve or improve your financial situation; 2) verify if you are eligible for chapter 7, a chapter 7 based solely on business debt or a chapter 13; and 3) which type is best for you.

Spouses may file together or one can file and not the other depending on your circumstances.

Eligibilty is based on the “Means Test” which is calculated by comparing a debtor's average income for the past six months (current monthly income), annualized, to the median income for households of the same size in a debtor's state of residence. So I collect income and financial data, expenses, and a list of your assets and use a government formula to verify if you are eligible for chapter 7, chapter 13, or both. Then I advise you as to which I recommend and why based on your circumstances and goals.

To do this we gather information and ask you to provide information. Our intake packet asks for:

• 7 months of paystubs or other income documentation;

• Copies of bills for creditors like medical creditors often not listed or too new to be on credit reports/

We send you:

• A retainer agreement listing the price you will need to pay and by when;

• Anything else we know will be needed based on your personal situation

We will also need the following which you can download here:

• A checklist of specific things we need about your assets & debts/creditors;

• 3 government disclosures about filing bankruptcy;

• Instructions on how to download your 3 key credit reports or how to pay a small fee for us to download that data;

• A page for you to fill out your monthly income (besides wages) and list all your expenses;

• A page of key things to know about filing bankruptcy;

• Instructions on how to get the two online credit counseling classes required by the Court before I may file your bankruptcy;

Chapter 7 usually takes 6 - 12 months; Chapter 13 must be between 36-60 months depending on your financial issues.

Below you can upload your document copies [pdfs, jpegs, etc.] to our secure cloud storage, fax, deliver or mail them to our office. To protect your privacy/document security, we suggest you use email only for non-sensitive information.

IF YOU RETAIN ME, AT A MINIMUM, WE THEN NEED TO DO A 60 - 90 MINUTE PHONE INTERVIEW TO FILL OUT THE BANKRUPTCY PAPERWORK THAT NEEDS TO BE FILED WITH THE COURT TO START A BANKRUPTCY.

Attorney is not a tax attorney. Clients may be advised to consult a tax attorney

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or FAX DOCUMENTS TO 303-221-4374 or 888-551-1053.

or MAIL OR DROP OFF DOCUMENTS to office: 4610 S. ULSTER ST #150, DENVER, CO 80237 [8:30 AM – 5 PM M-F]