Roberson Law LLC
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Credit Card Debt ~ Medical Debt ~ Judgments
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What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is a federal legal process that helps eligible individuals eliminate or significantly reduce many types of unsecured debt, including credit card balances, medical bills, personal loans, and collection accounts. It is often the fastest and most affordable way to obtain debt relief and achieve a fresh financial start.
Instead of negotiating separately with multiple creditors, Chapter 7 allows you to address most of your debts through a single bankruptcy case filed in federal court. Once your case is filed, an automatic stay generally stops collection calls, lawsuits, wage garnishments, and many other creditor collection efforts while your case is pending.
For many people struggling with overwhelming debt, Chapter 7 bankruptcy provides an efficient path to financial recovery by eliminating qualifying debts and giving them the opportunity to rebuild their financial future.
Why Choose Chapter 13 Instead of Chapter 7 Bankruptcy?
For some individuals, Chapter 13 bankruptcy is a better option than Chapter 7 because it allows them to protect valuable assets while repaying debts over time. If you have significant equity in your home or other property that may not be fully protected by bankruptcy exemptions, Chapter 13 may allow you to keep that property instead of risking its sale in a Chapter 7 case.
Through a court-approved repayment plan lasting three to five years, Chapter 13 enables many people to catch up on missed mortgage payments, protect their homes and other assets, and regain financial stability while repaying creditors based on their ability to pay.
Every financial situation is different. Our experienced Denver bankruptcy attorneys will carefully evaluate your income, assets, debts, and financial goals to determine whether Chapter 7 or Chapter 13 bankruptcy is the best solution for your unique circumstances.
ABOUT US
"We are a Bankruptcy Law Firm in Denver, Co. Jane Roberson our Attorney has helped over 5500 clients through the bankruptcy process. Whether you need Chapter 7 Bankruptcy, Chapter 13 Bankruptcy or Business Bankruptcy we can help. We offer a free consultation so give us a call and go over all your options. We are here to help!"
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789 Sherman Street, Suite 200
Denver, CO 80203
303.816.3682