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?…
Category Archives: Chapter 13 Bankruptcy
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.
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…
Category Archives: Chapter 13 Bankruptcy
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.
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…
Category Archives: Chapter 13 Bankruptcy
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.
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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The Law Office of Clark Daniel Dray is an affordable Denver bankruptcy law firm which can stop foreclosure, garnishment, repossession, and debt collector harassment with chapter 7 bankruptcy, chapter 13 bankruptcy, debt consolidation, and debt settlement.
We are a debt relief agency and help people obtain financial relief by filing for personal bankruptcy under Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.
This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice, and contacting us does not create an attorney-client relationship.
The Law Office of Clark Daniel Dray serves clients across the Front Range, including: Denver, Boulder, Golden, Brighton, Commerce City, Broomfield, Englewood, Greenwood Village, Lakewood, Lone Tree, Lafayette, Louisville, Johnstown, Longmont, Niwot, Windsor, Wellington, Aurora, Centennial, Littleton, Westminster, Highlands Ranch, Castle Rock, Fort Collins, Loveland, Arvada, Parker, Thornton, Wheat Ridge, and Glendale, as well as to residents of Denver, Adams, Arapahoe, Douglas, Jefferson, Boulder, Weld, Larimer, and Broomfield Counties, Colorado.