Bankruptcy & Debt Relief

Bankruptcy & Debt Relief — Reset your finances with a clear, lawful plan

Facing overwhelming debt or relentless collections? We help individuals choose between Chapter 7 (debt discharge) and Chapter 13 (court‑approved repayment), and guide businesses through practical restructuring options—so you can protect essentials, reduce stress, and move forward with confidence.

• Eligibility and “means test” assessments with plain‑language guidance.
• Protection of exempt assets where permitted by law; strategy for vehicles and homes.
• Preparation and filing of petitions, schedules, and plan documents to reduce errors and delays.
• Creditor communications, meeting‑of‑creditors preparation, and timelines you can rely on.
• Coordinated advice with real estate, tax, and business considerations when your matter spans multiple areas.

Based in Castle Rock and serving the Denver metro, with a national expansion plan.

Our approach: right‑sized relief, asset awareness, and clear next steps

We map your income, assets, and debts to the relief that fits—without surprises. You’ll understand your exemptions, how secured debts are treated, and what to expect at each milestone. When your matter touches real estate, tax, or litigation, we coordinate to protect your broader interests.

• Plain‑language explanations of Chapters 7 and 13
• Organized document gathering with checklists and templates
• Proactive communication with creditors and trustees
• Realistic credit‑rebuilding tips post‑discharge

For neutral primers, the U.S. Courts provide helpful “Bankruptcy Basics” overviews at uscourts.gov .

Fees & billing

We provide transparent fee structures matched to your matter. Many Chapter 7 cases qualify for flat or staged fees; Chapter 13 matters are scoped with plan‑based considerations. Business engagements are estimated and phased. Every representation includes a written scope so you know what’s covered.

• Clear quotes after eligibility review and document triage
• Predictable add‑ons for urgent filings or complex creditor issues
• Written terms, billing cadence, and regular status updates

Documents checklist

Start with what you have—we’ll prioritize the rest. Having these ready accelerates eligibility review and filing accuracy.

• Government ID and recent pay stubs or income records
• Last two years of tax returns (or as requested)
• List of all creditors, balances, account numbers, and collection letters
• Bank statements, retirement account summaries, and insurance policies
• Real estate deeds, mortgage statements, HOA notices, and vehicle titles
• Any pending lawsuits, garnishments, levies, or judgments