In my role as a Colorado Springs Bankruptcy Attorney, it’s pretty rare for me to meet people who are living a truly luxurious lifestyle. But, under the Bankruptcy Code, some pretty commonplace things like vacations or dining at restaurants might be considered “luxuries”. First let’s talk about what most people would consider to be luxuries: […]
In this post I’ll discuss one of the best reasons for people to file for bankruptcy: their children, the “kids”. Oftentimes in my practice as a Colorado Springs Bankruptcy Attorney, I’ll meet with a couple who just don’t know what they should do about their overwhelming debt. Should they file a Chapter 7 bankruptcy or […]
Today’s post will discuss what can be done about judgment liens. As a Colorado Springs Bankruptcy Attorney, it’s not unusual for me to meet with people who have had judgments entered against them. Often these judgments have become liens on their real estate here in Colorado Springs. The effect of the lien is to give […]
Today’s post will focus on the letter “H” as in “Homestead”. For me the word “homestead” conjures up images of brave souls venturing west to get their piece of America – becoming a “homesteader”. That’s a romantic vision of what is actually a very powerful legal concept. The law in Colorado encourages people to own […]
The subject of this post is the letter “G” where I’ll discuss “Goals”. As a Colorado Springs Bankruptcy Lawyer, I am often asked by potential clients whether they should or shouldn’t file for bankruptcy. I explain that I see my job as explaining all of the various options to them: filing for bankruptcy; trying […]
It’s F’s turn, so I’ll be discussing the real “F” word: “Foreclosure”. It’s not unusual for me, as a Colorado Springs Bankruptcy Attorney, to get a call from a person who has received a Notice that their house is being foreclosed. They want to know what to do. Here’s what I tell them: You can: Try […]
Continuing on the theme of the Bankruptcy ABC’s, this post will discuss the letter “D”, as in “Disclosures”. As a Colorado Springs Bankruptcy Attorney, my office is considered to be a “Debt Relief Agency” under the Bankruptcy Code. As such, I’m required to provide potential clients with two separate disclosures. The first disclosure provides: A brief […]
This might be a kind of scary post, since I’ll be telling you about a scary subject: BPP’s, also known as Bankruptcy Petition Preparers. You’ll see their ads in Penny Saver type newspapers, on Craigslist, in the back of alternative weekly newspapers and sometimes on the web. They say they’ll prepare all of your bankruptcy […]
One of the worst ways to hurt one of your creditors is by being nice to him, her, or it. Specifically, if you pay a creditor more than you are paying to your other creditors before you file your bankruptcy, then that “favored” creditor may be required to give back that extra money so that […]
In VERY RARE circumstances, ALL of your creditors can pursue you EVEN if you file for bankruptcy. Here’s how to avoid these rare but serious circumstances. In my last blog I listed three special classes of debts for which you can still be pursued even though you filed for bankruptcy. They are exceptions to the […]
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