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Chapter 7 Bankruptcy Timeline

Chapter 7 bankruptcy may seem intimidating, but as you can tell from the following infographic, the steps that go into successfully completing your case are pretty straightforward. For those of you who may not be able to view the image, the text follows: Chapter 7 Bankruptcy Timeline Initial Consultation Meet with an attorney to discuss your [...]

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 [...]

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

In Colorado, almost everyone who wants to keep their car after filing for chapter 7 bankruptcy is able to do so. Whether you keep it or not depends on the actions of three players: you, the bankruptcy trustee, and the lender. First, you need to decide whether you want to keep the car. If you [...]

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I’ve Been Sued by a Debt Collector – What Should I Do?

Other than a few traffic tickets, a debt collection lawsuit is most people’s first experience with the legal system and it can be intimidating. This article is designed the give you an overview of the lawsuit process and potential outcomes with the expectation that as you better understand what lies ahead, you will be less [...]

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Analysis of a Scam Email – “The Webster Law Firm” and Speedy Cash

If you've ever taken out a payday loan, chances are that you've received an email like the following, regardless of whether you paid off the loan or not. The payday lenders like Speedy Cash swear up and down that they don't have anything to do with this, but somehow their customer lists keep getting into [...]

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UpRight Law “Agrees to Pay More than $300,000 in Relief to Consumers and to a Six-Year Practice Ban”

According to the United States Department of Justice: As a result of dozens of USTP actions filed since 2016, UpRight has paid or been ordered to pay almost $900,000 in monetary relief, including returning fees to over 500 impacted consumers and paying court-ordered sanctions, attorney’s fees, and costs. Additionally, bankruptcy courts have imposed practice bans [...]

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Surviving Debt – Free Book During Coronavirus Pandemic

Free book about dealing with debt during COVID-19 The National Consumer Law Center is offering free access to the digital version of its book, Surviving Debt, during the COVID-19 emergency. Here's how they describe it: A leading resource for over 25 years, this fully updated, 50th NCLC Anniversary commemorative edition of Surviving Debt provides precise,