Jul 25

How to Tell if a Debt Collector is Legitimate | Advice from a Littleton Bankruptcy Attorney

Anyone who is currently carries debt in Littleton or Aurora knows that once you get behind on payments, it won’t be long before you start receiving calls from debt collectors. When debt becomes overwhelming, the calls can be overwhelming too. This is what bogus debt collectors bank on. They hope they can catch someone with …

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Jul 21

Improving Your Credit Score After a Littleton or Centennial Bankruptcy

Many times when I meet with a potential Centennial client, I get questions about credit scores and the effect a bankruptcy will have. Often, people are under the impression that filing a Chapter 7 or Chapter 13 bankruptcy will put them in a situation where their credit score is irreversibly ruined. This is absolutely not …

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Jul 18

Renting a Home or Apartment after Aurora Bankruptcy | A Centennial Bankruptcy Lawyer’s Insight

A question I often get from potential clients considering filing for bankruptcy in Centennial or Aurora is if they will be able to rent a home or apartment after their bankruptcy is filed. This is a great question. As a bankruptcy attorney with many years of experience, I have seen how beneficial filing a chapter …

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Jul 14

Centennial Chapter 13 Bankruptcy Payment Plan Objections | What if My Chapter 13 Bankruptcy Plan is Objected To?

When filing a Chapter 13 bankruptcy in Centennial or Denver, you submit a payment plan that outlines who will get paid and how much they will be paid during the course of your bankruptcy payment plan. This plan is submitted to the Denver Bankruptcy Court, your trustee and your creditors. The court mails a copy …

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Jul 11

Centennial Bankruptcy Lawyer | Asset vs. No Asset Chapter 7 Bankruptcy – Which is Right for Me?

There are two types of Chapter 7 bankruptcy that a person can file in Centennial: Asset and No-Asset. Let’s take a closer look at each of these to see which one would be best for you if you are considering filing bankruptcy. Remember, an experienced Denver bankruptcy attorney can evaluate your situation and advise you …

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Jul 07

Denver Bankruptcy Lawyer | Zombie Debts – The Debts that Refuse to Die

It’s a truly terrifying idea that someone dead could come back as a zombie. For those who have filed bankruptcy, it’s that same terrifying feeling when an old debt turns up – supposedly not dead like you expected. This is called a zombie debt – debt that lives on after bankruptcy. But, is it really …

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Jul 04

Payment for Chapter 13 Bankruptcy Attorney | How Much Will My Monthly Payment be for an Aurora Chapter 13 Bankruptcy?

The two most common types of bankruptcy a person can file in Denver, Aurora and Centennial are a Chapter 7 or Chapter 13 bankruptcy. With Chapter 13 bankruptcy, the filer is required to pay back a portion of the debt they owe. The reason a person would choose to file Chapter 13 bankruptcy is that …

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Jun 30

Aurora Bankruptcy Attorney | How Can I Fix Errors on My Credit Report?

Occasionally I get calls from people in Aurora, Littleton, or Centennial who are having issues with their credit report. Errors on the credit report have made them ineligible for a home or car loan and they are at a loss as to how to correct it. Sometimes, the error is related to a debt still …

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Jun 27

Loans After a Littleton Bankruptcy: Attorney Advises on Getting a Loan After Filing Bankruptcy

Often, my clients in Littleton, Aurora, and Centennial ask me about re-establishing their credit after filing for bankruptcy. It is a valid concern as many expenses, like a house or a car, are not affordable without a loan and without established credit. Getting a loan can be more difficult, however, following a bankruptcy discharge. Debts …

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Jun 23

Selling or Transferring Nonexempt Property Before an Aurora Bankruptcy

It is risky to sell or transfer nonexempt property before filing for a Chapter 7 or Chapter 13 bankruptcy in Aurora. In Colorado, exempt property is property which is exempt under bankruptcy law and cannot be seized by creditors to sell to pay unsecured creditors. Nonexempt property, on the other hand, is property that is …

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