Your Checklist of How to Make Life Miserable!

This article is for all those people that enjoy suffering.  If you re one of the people who think suffering is fun and that stress is good for the soul, here is an article for you.  Follow these simple steps in your financial life and you will be stressed out and more miserable than you could imagine.

• Overspend — This is a key to adding stress.  Don’t actually write out a budget and definately don’t stick to it!
• Accrue more debt — If you can get more credit cards, buy a car, get another house, have some botox done…  whatever it takes!
• Make sure you are always late on your payments so that you can pay the extra fees associated with the late charges.  DO not, under any circumstance call the creditor to tell them your situation and work something out…  that will not add stress to your life like you may want, it’d actually reduce it a bit.
• Get behind on your house payments.  This is great for increasing stress knowing you may be on the street at any time.
• When it finally does hit the fan, do a bankruptcy filing yourself.  It is an amazing way to increase the stress in your life.  If you are going to file a chapter 13 bankruptcy in Fort Collins, you LOVE this.  It is one of the most stressful filings out there and you definitely won’t want an experienced bankruptcy attorney to help you in your case!

If you want something a bit more pleasant and if you don’t like to suffer, if your bills are already out of control and you are more stressed out than you want to be…  giving us a call should be the action item for you.  We work hard as Fort Collins Bankruptcy Attorneys to make your life more peaceful and your financial woes to go away!

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!

Don't Fall for the Bankruptcy Traps Out There...

There are a lot of traps in regards to bankruptcy attorneys in Fort Collins these days.  Some firms advertise fees as low as $499 for a bankruptcy filing, but this is nothing more than you come in and they hand you a stack of papers, and that is your filing.  Before you file, you should consider these three factors in your assessment of bankruptcy attorneys in Fort Collins.

Work with a Partner, not an internet program.  If you choose an internet program instead of a live attorney, you are on your own and they are not reveiwing you case to make sure you have a shot to win the judgement from the courts…  a nice deal for them, print off 300 pages or so, have one appointment and send you away.  If you lose, it’s no big deal to them.  This is why you need to be careful!

Bankruptcy Filing is Complicated:  Bankruptcy filing takes time and accuracy.  If you are going to get your fresh start, you need to do things the right way.  The way we look at bankruptcy filing is that we don’t take on clients that have little to no chance of winning.  These guys will, and then you’ll just be down $500 more dollars.

We understand your financial dilemna:  We know you are desperate for a solution.  We offer a free consultation and if you are a bad canidate, we tell you and don’t take you on as a client.  The only real way you’ll pay us money is by using our services.

If you need bankruptcy help in Fort Collins, please give us a call!

Be Aware of What's Happening With Your Finances!

Sometimes we have to scratch our heads, we look at a Fort Collins Bankruptcy case and we wonder what people are thinking, or not thinking.  Meet Tom, a middle aged father of 3 who had filed for Chapter 13 Bankruptcy in Fort Collins about a year ago.  Tom successfully went through the credit counseling classes that he needed to and had a repayment schedule that was running about $700.00 a month after his Fort Collins Bankruptcy Attorney had negotiated a settlement for him.  An important note here, we were not that Fort Collins Bankruptcy Attorney.  We looked at what had happened to Tom since last year. 

Tom had scheduled payments and it turns out that the trustee didn’t make the payments for him in a timely manner, and this caused the terms and conditions of his Chapter 13 bankruptcy to be in a default state.  His trustee was very apologetic, and likely will have legal recourse against him, but this isn’t helping Tom today.  It’s practically like starting over for him.  The whole painful process is happening to him again.  This is unfortunate.  We’re doing this case at a steep discount as we appreciate his dilemna, but trust has been broken and the time had been extended on his financial woes.  This is an example of why it is crucial to find a bankruptcy attorney in Fort Collins who you can trust.  (Even if it’s not us, you need to be comfortable with your Fort Collins Bankruptcy Attorney!)

Are you thinking about bankruptcy in Fort Collins?  If you are, you have come to the right place.  We are not a firm that promises that all of your past decisions will have no consequences.  However, there are times when the current economy or medical setbacks makes the bankruptcy protection our law affords a necessary recourse for honest people here in Fort Collins.  What are some Chapter 7 bankruptcy and Chapter 13 Bankruptcy secrets?

1. When you are granted bankruptcy protection, your creditors have to leave you alone.  In fact, when you file, they must work through your attorney and stop harassing you.  Are you ready for relief from these calls?
2. You won’t have to necessarily give up your house and car.  These are secured debts and the debts you are normally wiping out are unsecured debts.
3. Privacy matters, in general your friends and family won’t even know (unless you tell them) and the other creditors are not notified unless you name them as one of your creditors in your filing
4. You are not blacklisted from getting credit again.  In fact, often your credit will quickly improve in many cases.  Why?  Because you will start getting on a pattern of paying back your obligations instead of always being late or not paying at all
5. You won’t lose your job.  Your employer is not permitted to discriminate against you because you have sought bankruptcy protection here in Fort Collins!

Gentler Times For Michael Vick?

I want to write this blog to both complain and compliment the American Legal System.  Michael Vick, the notorious man who was indicted in a dogfighting ring recently filed for bankruptcy.  How can this be, most of us who make less tha the 1.5 million Vick is going to get paid this year find this kind of crazy.  Now, bankruptcy is designed to help a person in dire financial straights, and believe it or not, but Mr Vick has a lot of debts and not much income.  As of the last accounting we saw, he owed just over $20,000,000 and has assets of just over $16,000,000.  That’s a $4 million dollar differential.

Now, how does an athlete who seems to be forgiven everything because he is electric on the playfield, is able to kill dogs and skate away after filing bankruptcy.  Now, we must remember, the law does not (or should not) decide to make one suffer because they don’t have a personality or a morality we agree with.  What does that mean for you and I?  Basically, it is an awesome thing for someone really struggling to even keep up with their interest payments.  The law allows us all a fresh start. 

Michael Vick is involved in a Chapter 13 filing, so it is important to realize he still is responsible for his debts.  A chapter 13 bankruptcy fining in Fort Collins is just the same.  You may not be making over a million dollars.  Bankruptcy is blind to the normal classes that divide us…  Male/Female, Black/White, Rich/Poor…  A white woman has the same chance to be given bankruptcy protection if she has $30,000 of credit card debt as a rich African American does if his legal expenses and debts have become too burdensome.  Yes, we all find dogfighting to be sick…  but the good news is we live in a country where our courts are rightfully supposed to care more about facts than it does about race or sex or age or religion.  If you need any help looking at your situation in Fort Collins, give us a call.