Aurora bankruptcy attorney
Affordable Chapter 7 and Chapter 13 bankruptcy for Aurora 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 Aurora families
Aurora is Colorado's third-largest city, and it stretches across three counties: Arapahoe, Adams, and Douglas. Whether you live near the Southlands, Saddle Rock, or the Aurora Highlands, or in north Aurora near Fitzsimons, you can meet with me at my office on South Parker Road, by phone, or by Zoom.
Most of my Aurora 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 Aurora 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 Aurora clients
- Free consultation. We talk by phone, Zoom, or at my Aurora 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? Depending on where you live in Aurora, a collection lawsuit is usually filed in the Arapahoe County, Adams County, or Douglas County courts. 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, no matter which county court it's in.
My Aurora office
Aurora, CO 80014
On South Parker Road, convenient from anywhere in Aurora, Centennial, and southeast Denver.
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 Denver office: 90 Madison St, Suite 302, near Cherry Creek.
Areas I serve from this office
Aurora bankruptcy FAQs
How much does a bankruptcy attorney cost in Aurora?
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 in Denver. But most clients never need to go downtown: 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 Aurora office are available by appointment.
Talk to a Aurora 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.