Each Mounting Bill Seems to Add Weight to Your Shoulders!

You go to the mailbox, concerned that this day there will be more bills and more bad news.  You feel the weight of each envelope in your hand, you see “past due” on several of the envelopes.  You would like to be caught up in your bills, but with the circumstances life has dealt to you this past year; health issues, getting laid off, that divorce, and a few bad decisions (you will be honest here too)…  The bills have become unmanageable.  You have lost hope. Is there anything you can do?

We feel your pain.  We got into bankruptcy law because we believe in the process the US Government allows in giving citizens a fresh start when things become so out of hand they can not meet their financial obligations.  We know most people do not seek bankruptcy protection because they will figure out a way to get their bills paid.  There are some though that have such a heavy weight they can not lift it themselves!  They need help getting some of the weight off of their shoulders.  Businesses have the same opportunity with Chapter 11 bankruptcy in Fort Collins.  Individuals, however will file for Chapter 7 bankruptcy or Chapter 13 bankruptcy.  One gives a “payment plan” while the other gives a “fresh start”…  It can be complicated learning which, if either you can qualify for.

We understand you already feel enough pressure, you don’t need to add bankruptcy research to your already heavy workload.  With a quick 1 hour free consultation, we can tell you whether or not you have a good chance to successfully file for Chapter 7 bankruptcy protection or Chapter 13 bankruptcy protection…  or neither.  Our job is to protect your financial future.  We know the system, we know the laws and we can do in a few hours what it would take you 40 hours to do.  Can you do a “Do It Yourself Bankruptcy Filing“?  Of course, but, it is likely you will miss important details and the creditors will certainly have attorneys on their side to try and make sure you don’t get relief.  Our job is to ensure that your weight is lessened and that your financial future is as secure as possible.

Give us a call for a free bankruptcy consultation in Fort Collins or Greeley!

Which to do? Chapter 7 or Chapter 13?

Have you been considering a bankruptcy in Fort Collins?  Do you know you need help, but don’t know if you need a Chapter 7 or a Chapter 13 filing?  We know this can be confusing, but that is why we are here to help.

The first thing to consider is your income, there is a sliding scale to how much you can make in order to get a Chapter 7 bankruptcy through the courts.  This varies based on family size and other factors, so getting consultation from a Fort Collins bankruptcy attorney would be a good idea.

Chapter 13 bankruptcy is probably a type of bankruptcy you will not be able to do on your own.  This tends to be for individuals or couples who have historically made good income and just need more time to become current with their bills.

Of course both have their plusses and minuses…  The biggest plus to a Chapter 7 is that most unsecured debt goes away.  The biggest plus for a chapter 13 bankruptcy is that you can get extra time to pay back legitimate debts.

If you are considering bankruptcy and do not already have a competant and qualified bankruptcy attorney in Fort Collins, please give us a call for a free consultation.