Author Archives: Clark Dray - Denver Bankruptcy Lawyer

The Law Office of Clark Daniel Dray provides assistance to residents of the Denver metro area with chapter 7 bankruptcy, chapter 13 bankruptcy, debt settlement, debt collection lawsuits, and foreclosure matters. Connect with us on Google+, or on Facebook. We are a debt relief agency and help people obtain financial relief by filing for personal bankruptcy under the Bankruptcy Code.

Bankruptcy, Retirement, and Estate Planning

Denver Bankruptcy Lawyer

When planning for retirement, you may be focused on saving up the money you’ll need to live comfortably after you’ve left the workforce. And when planning your will and trust, the primary focus is probably making sure that your loved ones are well taken care of by passing down as much of your property possible. Surprisingly, bankruptcy can help you achieve…

Bank Account Garnished? Here’s What To Do Now

You’re checking out at the grocery store and the debit card is declined. That can’t be right, I just got paid yesterday, you think. You call your bank to find out what the problem is and they tell you that you’re overdrawn by $150 because a creditor has garnished your bank account.  Many people who face…

Bankruptcy § 341 Meeting of Creditors Locations By County

While there is only one bankruptcy court for Colorado, which is located in Denver, where you live plays a big part in your case. Not only does it determine whether you’re eligible for a chapter 7 bankruptcy and dictate allowable expenses in a chapter 13 bankruptcy, but it also determines where your 341 Meeting of…

Bankruptcy Court FIling Fees Increasing

The Bankruptcy Court is increasing the fees for filing certain cases and documents on June 1st. Chapter 7 cases are increasing from $306 to $335, for example. For more information, see the original post at the Colorado Consumer Bankruptcy Association blog.

Bankruptcy 341 Meeting of Creditors – What will the Trustee Ask?

Attorney Charles E. Longtine posted a useful article on the Colorado Consumer Bankruptcy Association’s blog about commonly asked questions at the 341 Meeting of Creditors. The first few questions he lists are: Have you previously filed bankruptcy? If so when? Why are you filing bankruptcy? Did you review the bankruptcy petition? Is the information correct?…

Divorce, Debt, and Bankruptcy – Why Your Divorce Isn’t As Effective At Protecting You From Debt As You Think

Contrary to popular belief, the financial bonds formed during a marriage can’t be broken just by filing for divorce. Three common misconceptions about divorce and debt are set out and corrected below to help you learn how to avoid letting your ex pull you down long after you’ve gone your separate ways.

Does a Foreclosure or Short Sale Affect my Credit Score More?

You have several different options for dealing with a home that’s worth less than what you owe on it, two of which are foreclosure and a short sale. One common justification that realtors give for pushing a short sale is that it’s better on your credit score. However, according to research by the authors of…

Why you Shouldn’t Stop at Income in Determining Whether you Qualify for Chapter 7 Bankruptcy Under the Means Test

Do I make too much money to qualify for chapter 7 bankruptcy? In researching about filing for chapter 7 bankruptcy, you may have learned that you have to qualify under the bankruptcy means test. Additionally, you may have learned that the chapter 7 means test uses your income as a factor. You might have found…

The Bank is Foreclosing on my Home – What are my Rights in Colorado?

Once the foreclosure process has begun, the likelihood of successfully negotiating with your mortgage lender for a voluntary foreclosure alternative, such as a loan modification or short sale, is small.  As such, this post focuses on your rights in Colorado– the options you have which the lender must comply with. For more information on alternatives,…

Can I Keep my House if I File Chapter 7 Bankruptcy in Colorado?

In Colorado, whether you keep your home after filing a chapter 7 bankruptcy depends on three factors – do you want to keep it, are you current on the payments, and do you have any equity? First, you need to decide whether you want to keep the house. If you owe far more on it…

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Author Archives: Clark Dray - Denver Bankruptcy Lawyer

The Law Office of Clark Daniel Dray provides assistance to residents of the Denver metro area with chapter 7 bankruptcy, chapter 13 bankruptcy, debt settlement, debt collection lawsuits, and foreclosure matters. Connect with us on Google+, or on Facebook. We are a debt relief agency and help people obtain financial relief by filing for personal bankruptcy under the Bankruptcy Code.

Bankruptcy, Retirement, and Estate Planning

Denver Bankruptcy Lawyer

When planning for retirement, you may be focused on saving up the money you’ll need to live comfortably after you’ve left the workforce. And when planning your will and trust, the primary focus is probably making sure that your loved ones are well taken care of by passing down as much of your property possible. Surprisingly, bankruptcy can help you achieve…

Bank Account Garnished? Here’s What To Do Now

You’re checking out at the grocery store and the debit card is declined. That can’t be right, I just got paid yesterday, you think. You call your bank to find out what the problem is and they tell you that you’re overdrawn by $150 because a creditor has garnished your bank account.  Many people who face…

Bankruptcy § 341 Meeting of Creditors Locations By County

While there is only one bankruptcy court for Colorado, which is located in Denver, where you live plays a big part in your case. Not only does it determine whether you’re eligible for a chapter 7 bankruptcy and dictate allowable expenses in a chapter 13 bankruptcy, but it also determines where your 341 Meeting of…

Bankruptcy Court FIling Fees Increasing

The Bankruptcy Court is increasing the fees for filing certain cases and documents on June 1st. Chapter 7 cases are increasing from $306 to $335, for example. For more information, see the original post at the Colorado Consumer Bankruptcy Association blog.

Bankruptcy 341 Meeting of Creditors – What will the Trustee Ask?

Attorney Charles E. Longtine posted a useful article on the Colorado Consumer Bankruptcy Association’s blog about commonly asked questions at the 341 Meeting of Creditors. The first few questions he lists are: Have you previously filed bankruptcy? If so when? Why are you filing bankruptcy? Did you review the bankruptcy petition? Is the information correct?…

Divorce, Debt, and Bankruptcy – Why Your Divorce Isn’t As Effective At Protecting You From Debt As You Think

Contrary to popular belief, the financial bonds formed during a marriage can’t be broken just by filing for divorce. Three common misconceptions about divorce and debt are set out and corrected below to help you learn how to avoid letting your ex pull you down long after you’ve gone your separate ways.

Does a Foreclosure or Short Sale Affect my Credit Score More?

You have several different options for dealing with a home that’s worth less than what you owe on it, two of which are foreclosure and a short sale. One common justification that realtors give for pushing a short sale is that it’s better on your credit score. However, according to research by the authors of…

Why you Shouldn’t Stop at Income in Determining Whether you Qualify for Chapter 7 Bankruptcy Under the Means Test

Do I make too much money to qualify for chapter 7 bankruptcy? In researching about filing for chapter 7 bankruptcy, you may have learned that you have to qualify under the bankruptcy means test. Additionally, you may have learned that the chapter 7 means test uses your income as a factor. You might have found…

The Bank is Foreclosing on my Home – What are my Rights in Colorado?

Once the foreclosure process has begun, the likelihood of successfully negotiating with your mortgage lender for a voluntary foreclosure alternative, such as a loan modification or short sale, is small.  As such, this post focuses on your rights in Colorado– the options you have which the lender must comply with. For more information on alternatives,…

Can I Keep my House if I File Chapter 7 Bankruptcy in Colorado?

In Colorado, whether you keep your home after filing a chapter 7 bankruptcy depends on three factors – do you want to keep it, are you current on the payments, and do you have any equity? First, you need to decide whether you want to keep the house. If you owe far more on it…

Author Archives: Clark Dray - Denver Bankruptcy Lawyer

The Law Office of Clark Daniel Dray provides assistance to residents of the Denver metro area with chapter 7 bankruptcy, chapter 13 bankruptcy, debt settlement, debt collection lawsuits, and foreclosure matters. Connect with us on Google+, or on Facebook. We are a debt relief agency and help people obtain financial relief by filing for personal bankruptcy under the Bankruptcy Code.

Bankruptcy, Retirement, and Estate Planning

Denver Bankruptcy Lawyer

When planning for retirement, you may be focused on saving up the money you’ll need to live comfortably after you’ve left the workforce. And when planning your will and trust, the primary focus is probably making sure that your loved ones are well taken care of by passing down as much of your property possible. Surprisingly, bankruptcy can help you achieve…

Bank Account Garnished? Here’s What To Do Now

You’re checking out at the grocery store and the debit card is declined. That can’t be right, I just got paid yesterday, you think. You call your bank to find out what the problem is and they tell you that you’re overdrawn by $150 because a creditor has garnished your bank account.  Many people who face…

Bankruptcy § 341 Meeting of Creditors Locations By County

While there is only one bankruptcy court for Colorado, which is located in Denver, where you live plays a big part in your case. Not only does it determine whether you’re eligible for a chapter 7 bankruptcy and dictate allowable expenses in a chapter 13 bankruptcy, but it also determines where your 341 Meeting of…

Bankruptcy Court FIling Fees Increasing

The Bankruptcy Court is increasing the fees for filing certain cases and documents on June 1st. Chapter 7 cases are increasing from $306 to $335, for example. For more information, see the original post at the Colorado Consumer Bankruptcy Association blog.

Bankruptcy 341 Meeting of Creditors – What will the Trustee Ask?

Attorney Charles E. Longtine posted a useful article on the Colorado Consumer Bankruptcy Association’s blog about commonly asked questions at the 341 Meeting of Creditors. The first few questions he lists are: Have you previously filed bankruptcy? If so when? Why are you filing bankruptcy? Did you review the bankruptcy petition? Is the information correct?…

Divorce, Debt, and Bankruptcy – Why Your Divorce Isn’t As Effective At Protecting You From Debt As You Think

Contrary to popular belief, the financial bonds formed during a marriage can’t be broken just by filing for divorce. Three common misconceptions about divorce and debt are set out and corrected below to help you learn how to avoid letting your ex pull you down long after you’ve gone your separate ways.

Does a Foreclosure or Short Sale Affect my Credit Score More?

You have several different options for dealing with a home that’s worth less than what you owe on it, two of which are foreclosure and a short sale. One common justification that realtors give for pushing a short sale is that it’s better on your credit score. However, according to research by the authors of…

Why you Shouldn’t Stop at Income in Determining Whether you Qualify for Chapter 7 Bankruptcy Under the Means Test

Do I make too much money to qualify for chapter 7 bankruptcy? In researching about filing for chapter 7 bankruptcy, you may have learned that you have to qualify under the bankruptcy means test. Additionally, you may have learned that the chapter 7 means test uses your income as a factor. You might have found…

The Bank is Foreclosing on my Home – What are my Rights in Colorado?

Once the foreclosure process has begun, the likelihood of successfully negotiating with your mortgage lender for a voluntary foreclosure alternative, such as a loan modification or short sale, is small.  As such, this post focuses on your rights in Colorado– the options you have which the lender must comply with. For more information on alternatives,…

Can I Keep my House if I File Chapter 7 Bankruptcy in Colorado?

In Colorado, whether you keep your home after filing a chapter 7 bankruptcy depends on three factors – do you want to keep it, are you current on the payments, and do you have any equity? First, you need to decide whether you want to keep the house. If you owe far more on it…