Denver bankruptcy attorney
Affordable Chapter 7 and Chapter 13 bankruptcy for Denver individuals and families. Stop garnishments, lawsuits, and foreclosure, and work directly with attorney William L. Foster from your first call to your discharge.
Bankruptcy help for Denver families
From Capitol Hill and Park Hill to Montbello, Green Valley Ranch, and southwest Denver, rising rent and living costs have pushed many Denver households into debt they can't catch up on. You can meet with me at my office near Cherry Creek, by phone, or by Zoom.
Most of my Denver clients come to me after a job loss, medical bills, a divorce, or a wage garnishment. Many have tried for months to keep up with minimum payments. Bankruptcy gives them a legal way to stop collection immediately and start over, usually while keeping their home, car, and retirement savings.
You'll work with me directly, not a call center or a paralegal. I'll review your income, debts, and property before anything is filed, explain whether Chapter 7 or Chapter 13 fits, and give you a fixed price in writing.
What I can help Denver clients with
Quick check: are you under the Colorado median income?
If your household income is under the Colorado median for your household size, you'll usually qualify for Chapter 7.
Colorado medians for cases filed on or after April 1, 2026. A quick estimate only; the full means test uses your last six months of income and allowed expenses. The full means test guide.
How filing works for Denver clients
- Free consultation. We talk by phone, Zoom, or at my Denver office. I'll tell you honestly whether bankruptcy makes sense.
- Fixed price. If it does, you get a written, flat fee. Chapter 7 fees start at $1,000, plus the $338 court filing fee.
- Documents and a short course. You gather pay stubs, tax returns, and statements, and take a required online credit counseling course. Document checklist.
- Filing. Your case is filed with the U.S. Bankruptcy Court in Denver, and the automatic stay stops collection immediately.
- Meeting of creditors. About a month later, a short meeting with the trustee, usually by video. I'm there with you.
- Discharge. Most Chapter 7 cases end with a discharge about four months after filing. See the full timeline.
Being sued or garnished? Collection lawsuits against Denver residents are usually filed in Denver County Court. If a creditor wins, it can garnish up to 20% of your disposable pay and freeze your bank account. Filing bankruptcy stops the lawsuit or garnishment the day you file.
My Denver office
Denver, CO 80206
Near Cherry Creek, a short drive from downtown, Capitol Hill, Park Hill, and Glendale.
Hours: Monday to Friday, 8:30 a.m. to 5:30 p.m. By appointment. After hours, text your name and a good time to talk.
Also serving clients from our Aurora office: 2851 S Parker Rd, #1158.
Areas I serve from this office
Denver bankruptcy FAQs
How much does a bankruptcy attorney cost in Denver?
My Chapter 7 fee starts at $1,000, plus the $338 court filing fee. Chapter 13 fees can be paid largely through your plan. You'll get a fixed price in writing before you commit. How much bankruptcy costs.
Do I have to go to court in downtown Denver?
Your case is filed with the U.S. Bankruptcy Court for the District of Colorado, located in downtown Denver. But most clients never need to go there: the meeting of creditors is usually held by video, and many Chapter 7 cases never require a court appearance in front of a judge.
Can bankruptcy stop a wage garnishment right away?
Yes. The automatic stay takes effect the moment your case is filed, and your employer is notified to stop the garnishment. Wage garnishment in Colorado.
Will I lose my home if I file?
Usually not. Colorado protects up to $250,000 of home equity, or $350,000 if you or a dependent living there is 60 or older or disabled. What you can keep.
Can we meet without coming to the office?
Yes. Many clients handle everything by phone, Zoom, text, and email. In-person meetings at my Denver office are available by appointment.
Talk to a Denver bankruptcy attorney today
Your first consultation is free. I'll review your situation, explain every option, and if bankruptcy fits, give you a fixed price.