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Chapter 7 Bankruptcy
100% Remote - No Office Visits Needed

Did You Know.....

You may be able to purchase a car the day after filing.

All creditor calls must stop as soon as you file.

Garnishments must cease as soon as you file.

Chapter 7 Bankruptcy Attorney Denver

Chapter 7 Bankruptcy Attorney in Denver, Colorado

Experienced Denver Chapter 7 Bankruptcy Lawyers

If you are overwhelmed by credit card debt, medical bills, collection lawsuits, wage garnishments, or creditor harassment, Chapter 7 bankruptcy may provide the financial relief you need. At Roberson Law, LLC, our experienced Denver Chapter 7 bankruptcy attorneys help individuals and families eliminate overwhelming debt, protect their property, and move toward a fresh financial start.

We offer free consultations to help you understand your options and determine whether Chapter 7 bankruptcy is the right solution for your situation.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is a federal legal process that allows qualified individuals to eliminate many types of unsecured debt, including:

  • Credit card debt

  • Medical bills

  • Personal loans

  • Collection accounts

  • Certain judgments

  • Deficiency balances after repossession

One of the biggest advantages of Chapter 7 bankruptcy is that it allows you to deal with all of your creditors through one court process instead of negotiating with each creditor individually.

For many people, Chapter 7 is the fastest and most affordable way to become debt-free. Most Chapter 7 cases are completed in approximately three to four months.

Can Chapter 7 Bankruptcy Stop Collection Calls, Lawsuits, and Wage Garnishments?

Yes. When your Chapter 7 bankruptcy case is filed, an automatic stay immediately goes into effect.

The automatic stay generally stops:

  • Collection phone calls

  • Collection letters

  • Credit card lawsuits

  • Wage garnishments

  • Bank levies

  • Foreclosure proceedings

  • Repossession efforts

  • Most creditor collection actions

This legal protection gives you immediate relief while your bankruptcy case moves through the court system.

Will I Lose My Home or Property If I File Chapter 7?

One of the most common questions people ask is whether they will lose everything if they file bankruptcy.

In most Chapter 7 bankruptcy cases, the answer is no.

Colorado bankruptcy exemption laws allow many people to protect the property they own. These exemptions help safeguard important assets from being sold during bankruptcy.

Common Colorado bankruptcy exemptions include:

  • Homestead exemption for your primary residence

  • Motor vehicle exemption

  • Household goods and furniture

  • Clothing

  • Jewelry

  • Tools of your trade

  • Retirement accounts, including most 401(k)s and IRAs

  • Certain personal property and other protected assets

Every financial situation is unique. Our Denver bankruptcy attorneys will review your assets and explain which Colorado exemptions apply to your case so you understand exactly what property you can protect.

Do I Qualify for Chapter 7 Bankruptcy?

Eligibility for Chapter 7 bankruptcy depends primarily on your income.

Most people qualify by passing a financial eligibility calculation known as the Means Test. This test compares your household income to Colorado's median income and evaluates your monthly income and allowable expenses.

If your income is too high to qualify for Chapter 7, you may still qualify for Chapter 13 bankruptcy, which allows you to reorganize your debts into an affordable repayment plan.

Our attorneys can carefully evaluate your financial situation and recommend the bankruptcy option that best fits your needs.

What Is the Chapter 7 Bankruptcy Process?

Filing Chapter 7 bankruptcy involves several important steps.

Step 1: Free Consultation

We begin by reviewing your financial situation, debts, income, assets, and goals to determine whether bankruptcy is appropriate.

Step 2: Preparing Your Bankruptcy Petition

Our legal team gathers your financial information and prepares all required bankruptcy documents for filing with the United States Bankruptcy Court.

Step 3: Filing Your Case

Once your case is filed, the automatic stay immediately protects you from most creditor collection activity.

Step 4: Meeting of Creditors (341 Meeting)

Approximately one month after filing, you will attend a short hearing called the Meeting of Creditors.

Despite its name, creditors rarely attend.

Your bankruptcy attorney will prepare you beforehand and attend the hearing with you.

Step 5: Bankruptcy Discharge

In most Chapter 7 cases, qualifying debts are discharged approximately 60 to 90 days after the Meeting of Creditors.

The discharge permanently eliminates most unsecured debts and provides a fresh financial start.

What Debts Can Be Eliminated in Chapter 7 Bankruptcy?

Many unsecured debts can be discharged, including:

  • Credit card debt

  • Medical debt

  • Personal loans

  • Payday loans

  • Utility bills

  • Collection accounts

  • Certain civil judgments

Our attorneys will review each of your debts to determine whether they are dischargeable.

What Debts Cannot Usually Be Discharged?

Although Chapter 7 eliminates many debts, some obligations generally remain, including:

  • Most recent income tax debts

  • Child support

  • Alimony or spousal maintenance

  • Most student loans

  • Criminal fines and restitution

  • Debts resulting from drunk driving injuries

  • Certain debts involving fraud or intentional misconduct

Some exceptions may apply depending on your circumstances. Our attorneys can explain which debts may or may not be dischargeable in your case.

Why Choose Roberson Law, LLC for Your Denver Chapter 7 Bankruptcy?

Our bankruptcy attorneys understand that financial problems can be stressful and overwhelming. We take the time to explain your options, answer your questions, and guide you through every step of the bankruptcy process.

We help clients throughout the Denver metropolitan area by:

  • Explaining whether Chapter 7 or Chapter 13 is the better option

  • Protecting homes, vehicles, and personal property whenever possible

  • Stopping creditor harassment and wage garnishments

  • Preparing all bankruptcy paperwork accurately

  • Representing clients at the Meeting of Creditors

  • Helping clients achieve lasting financial relief

Frequently Asked Questions About Chapter 7 Bankruptcy

How long does Chapter 7 bankruptcy take?

Most Chapter 7 bankruptcy cases are completed within three to four months.

Will filing bankruptcy ruin my credit forever?

No. While bankruptcy affects your credit, many people begin rebuilding their credit shortly after receiving a discharge. In many cases, filing bankruptcy is the first step toward improving long-term financial health.

Can I keep my car?

Many people are able to keep their vehicles by using Colorado bankruptcy exemptions or reaffirming their vehicle loan, depending on their circumstances.

Can I keep my home?

Many homeowners are able to protect their homes using Colorado's homestead exemption, depending on the amount of equity they have.

How much does Chapter 7 bankruptcy cost?

The cost depends on the complexity of your case. During your free consultation, we will explain all attorney fees, court filing fees, and available payment options.

Schedule a Free Consultation with a Denver Chapter 7 Bankruptcy Attorney

If you are considering Chapter 7 bankruptcy, don't wait until creditors have taken legal action against you.

Contact Roberson Law, LLC today to schedule your free one-hour consultation. We'll review your financial situation, explain your legal options, and help you decide whether Chapter 7 bankruptcy is the right path toward a fresh financial future.

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