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It’s common knowledge that personal finances play a major role in our day-to-day happiness. For the most part, when times are good and your wallet is full, everyone is happy. And when your finances become strained, often through no fault of your own, life can be difficult and stressful.
Whether you already know that you want to file for bankruptcy, or if you’re less sure and are just seeking some information and guidance, our Fort Collins bankruptcy attorneys can help.
Seeking debt relief may be one of the most important things you ever do. That’s why it’s important to obtain professional and experienced legal counsel. You need an attorney who can give you personal attention. Someone who can walk you through every step of the often-times confusing bankruptcy process.
You deserve an attorney with the experience necessary to handle your financial issues, from beginning to end. With over 30 combined years of experience practicing bankruptcy law in Colorado, our Fort Collins debt relief lawyers have helped clients throughout Larimer County who faced foreclosure, credit card debt, car repossessions, medical debt, creditor lawsuits, wage garnishments, tax debt, and other debt issues successfully file bankruptcy, and we can help you too.
Thanks to all of the negative stigma surrounding bankruptcy, many Larimer County residents go to extreme lengths to avoid having to file bankruptcy to relieve their debt burdens. Some of these drastic measures, which can have detrimental effects on your finances, family life, and even your eventual bankruptcy case include–
1. Using retirement funds to pay debts- Under bankruptcy laws, any loans you draw from retirement accounts are “exempt” from debt relief and cannot be discharged through bankruptcy. If you are withdrawing or borrowing against these accounts to pay debts like credit card bills or medical bills, then you are leveraging your future to pay debts that can eventually be discharged via bankruptcy.
2. Taking out predatory payday loans- Our Fort Collins bankruptcy attorneys have noticed an alarming new trend in Larimer County bankruptcy petitioners– payday loans. More and more people are getting caught in a borrowing cycle with these predatory lenders that offer small personal loans meant to hold you over until your next paycheck. Unfortunately, most of these cash advance loans come with astronomical interest rates, which many borrowers struggle to pay back in time, forcing them to take out another cash advance loan to cover the first.
3. Selling property- If you sold an asset, specifically, if you sold it for less than it is worth right before you file bankruptcy, this transfer can be considered fraudulent, and you could be liable to pay the loss to the court.
To avoid waiting until it’s too late, stay on the lookout for the following symptoms:
Serious legal matters never resolve if you bury your head in the sand and hope the problem goes away. If you’ve been experiencing any of the above situations in the last few months, it’s time to contact a Fort Collins bankruptcy attorney.
Our Fort Collins debt relief lawyers want to mention that Larimer County residents wishing to file bankruptcy are not legally required to hire an attorney. Although if you chose to file bankruptcy pro-se, or without an attorney, you will still be held to the same standards as a lawyer. That means that if you make a mistake because you are unfamiliar with the bankruptcy process, the Court will not issue you a do-over due to your inexperience.
If you need more convincing on why hiring an experienced Fort Collins bankruptcy attorney is the right choice, consider
1. We already know the legal process– Our team of knowledgeable legal professionals has over 30 combined years of experience helping clients in Colorado achieve debt relief through bankruptcy. When you retain our firm, we are more than just your lawyers– we are your resource when you have any bankruptcy or legal questions. Once you’ve retained one of our Fort Collins bankruptcy attorneys, we will help you understand the law and how it applies to your life, and work with you to find the best debt relief options for your unique needs.
2. We deal with your creditors for you– Chances are, if you’ve been dealing with debt for a while, you’re pretty tired of the phone calls, e-mails, and letters from debt collectors harassing you about paying past due bills. As soon as you retain one of our qualified Fort Collins bankruptcy attorneys, you can rest assured that no more creditors will be legally able to contact you. We are here to protect you from creditor harassment.
3. We will save you money in the long run- You may consider filing for Chapter 7 or Chapter 13 bankruptcy without a lawyer in an attempt to save money, but we’re here to tell you that hiring an experienced Fort Collins debt relief attorney can save you money in the long run. We know that when you’re filing for bankruptcy, you’re already short on funds, which is why we offer a low flat fee for all Chapter 7 and Chapter 13 bankruptcy filings. We also know all of the ins and outs of the bankruptcy code and can use that knowledge to save your assets through exemptions, which a layperson filing pro se may miss.
4. We embrace technology- Our Larimer County bankruptcy lawyers embrace technology and use it as much as possible to make it easier to service clients in Fort Collins and the surrounding areas. That means we file all of your paperwork electronically so that you don’t have to make frequent trips down to the United States Bankruptcy Court- District of Colorado up in Denver.
5. We give you peace of mind- Having worked with bankruptcy clients for decades, our Fort Collins bankruptcy lawyers know that you’re already overwhelmed due to your financial difficulties– you don’t need to add to your stress levels by trying to navigate the complicated bankruptcy process without an experienced attorney. Hiring a Fort Collins bankruptcy attorney is probably the single best thing you can do to help ease the burden of debt weighing down your shoulders.
If you’re struggling with overwhelming debt, you have some difficult financial decisions to make. The internet can be filled with conflicting information, and anecdotes from your friends and neighbors may not be helpful for your specific needs. When you need a solution to your complex financial troubles and don’t know who to turn to for help, our Fort Collins debt relief attorneys are here to offer support and guidance.
We know that there are so many options out there, ranging from bankruptcy to struggling to continue to make payments or even just ignoring the situation and doing nothing. It can be overwhelming to decide how to proceed. When you retain the services of one of our compassionate and dedicated Fort Collins bankruptcy attorneys, you have found an experienced legal professional who is committed to guiding you through the debt relief process every step of the way. Contact our firm today for a free case consultation.