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!