Consumer Law Pro

Can I defend against a deficiency balance on an auto loan? Did the creditor provide you the required notices as provided by Article 9., C.R.S. § 4-9-611-616.? An attorney can assist in determine whether the notices complied with the law....

Over the last few years, debt relief services have promoted themselves as a lifeline to those experiencing financial hardships. These companies use a variety of methods to negotiate, settle, and in some instances, eliminate debt. But most debt relief companies...

If you are like the millions of Americans struggling with debt, it is important that you know that there are options. While bankruptcy may be one of those options, it may not be the best fit for your specific financial...

During these unprecedented times, you may be one of the millions of Americans facing financial difficulties. Creditors hounding you and threatening to take your property can begin to take a toll. While you are making your best effort to satisfy...

If you are like the millions of Americans who are stuck in a seemingly never-ending cycle of debt, you are probably searching for a way out. You’ve done your best to meet your obligations, but you still may not be...

If the equity in your home exceeds the exemption limit in Colorado, you may be at risk of losing your home by filing a chapter 7 (liquidation). In such cases, I recommend filing a chapter 13 (reorganization/non-liquidation). In most cases,...

What if my spouse doesn’t file bankruptcy with me? It is common for married individuals to file bankruptcy without including their spouse in the petition. An individual bankruptcy will not affect your spouse’s credit. Your credit profile is attached to...

Paying for Bankruptcy I am often asked if I accept installment payments. I must inform prospective clients that attorneys are prohibited from demanding payment after a bankruptcy case is filed. Attorneys have been disbarred for this. I keep my overhead...

Chapter 7 Bankruptcy in Colorado Chapter 7 Bankruptcy law is covered under Title 11 of the US Code. There are two chapters consumer debtors routinely file under: Chapter 7 and Chapter 13. In some rare cases, a high net worth...

Bankruptcy and Statute of Limitations In Colorado, creditors are generally prohibited from obtaining a judgment on a debt six years after the last date of account activity. This could be the last date you made a purchase or made a...