Bankruptcy

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Bankruptcy

If you need help getting your finances back on track, then a Chapter 7 Bankruptcy may be the best option for you.

Hello there.  My name is Attorney Robert Ernesto Walsh.  Our firm helps average, hard-working Americans who have fallen on hard times get permanent relief through a Chapter 7 Bankruptcy.

Because these cases are less complex than other bankruptcy fillings, we can fully represent you in Federal Bankruptcy Court at a much-lower cost than other Denver bankruptcy attorneys.  In addition to our affordable rates, we also offer flexible payment plans to every client.

How to Choose the Best Bankruptcy Attorney

If you’re looking for a bankruptcy attorney who is not going to suck your last bit of economic lifeblood out of you, why not take us up on a free consultation, and see how we can help you.  I’ll see to it that your bankruptcy is done right, and your debts are taken care of! 

Unlike document preparation services, I’m a licensed attorney and can assure your debts will be fully discharged when I represent you in Federal Bankruptcy Court, and creditor hearings.

Unlike other attorneys offering reduced rates for Ch7 Bankruptcy representation, there are no hidden costs with me.  You can rest assured we’ll put your money to work for you, so you can enjoy financial peace of mind in the future.

What is a Chapter 7 Bankruptcy?

In Federal Bankruptcy Court, there are many different ways person (or entity) can get-out from overwhelming debts and get a fresh start.

The Federal Bankruptcy Court calls each bankruptcy method a “Chapter,” and different Chapters apply to individuals, businesses, or family farmers.

A Chapter 7 Bankruptcy is one way an individual or couple can get a fresh start, and it can only be filled once every 8 years (if they qualify for this type of relief).

Do I Qualify for a Chapter 7 Bankruptcy?

Qualifying for a Chapter 7 discharge is determined through a court process called a “Means Test”.

The Means Test is a calculation of your household income in relation to your household size.  If your household earns less than the Bureau of Census-determined median family income for the same size household in your state, then you may file a Chapter 7.

If you do not qualify, then as a consumer, you may want to consider a Chapter 13 filing.

What Happens After I Qualify for a Chapter 7?

Family FinancesIf it’s determined you qualify for a Chapter 7 bankruptcy, the next determination is to find out which assets or possessions you can keep, and which assets you must hand over to the court representative (Trustee), so s/he may sell them and distribute the proceeds to your creditors.

Most cases we represent involve clients with assets/possessions that do not have to be surrendered to a court Trustee.  Many of my clients are able to keep all of their material possessions, including homes and vehicles.

Once we assemble your Chapter 7 packet and submit it to the court, there will be a hearing before the Bankruptcy Court’s representative (Trustee).  At this hearing, I will represent you and assure your petition is approved without any undue complications.

If we encounter any complications during the hearing, as your attorney, I will fix them and take care of any problems which you have told me about.  However, if a client lies to me and the court uncovers their lie(s) during a hearing, I will not represent them in any appeal.

A few months after your hearing, you will receive a letter saying that all of the debts you included in you Chapter 7 petition have been fully discharged. and you no longer owe those creditors any money.

What Types of Debts Can I Discharge
or Get Rid Of in a Chapter 7 Bankruptcy?

The most common debts that can be forgiven, discharged, or gotten rid of by filling a Chapter 7 petition are:

  • Credit card debt
  • Medical bills
  • Garnishments
  • Mortgage & foreclosure debt (including HOA dues before the foreclosure)
  • Car repossessions
  • Signature loans
  • Payday loans
  • Most court judgments

What Kinds of Debts Cannot Be Discharged?

Debts that usually CANNOT be forgiven or discharged by filling a Chapter 7 petition, include:

  • Most tax debts
  • Domestic support obligations(child support)
  • Student loans.

You also cannot discharge debts, nor retain property, that was obtained by fraud, larceny, or embezzlement.  In addition, you cannot discharge debts for willful or malicious injury to another person (or property) – nor debts arising from causing death or injury by drunk/drugged driving.  You also may not discharge criminal restitution.  Finally, you may not discharge luxury goods obtained shortly before filling bankruptcy, nor can you discharge cash advances taken shortly before filling.

A successful bankruptcy filing requires a lot of expertise, care, and attention to detail.  Don’t leave it up to chance!  Talk to us today to see how we may be able to help you.  Our initial consultations are always free, and there’s no obligation.  In addition, we offer flexible, affordable payment plans to all of our clients.

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