What makes us different?

Why is Morris Law Firm different than other Denver Bankruptcy Attorneys?

Experience. You can choose a bankruptcy attorney with little trial experience who was recently licensed during this millennium. Or you can trust your legal affairs to Morris Law Firm, P.C. with 15 years experience not just in bankruptcy but also as a TRIAL ATTORNEY prepared to litigate any creditor challenges to your case.

Fair Fees. expert advice, and exceptional client service is what keeps our practice thriving on referrals from past satisfied clients.

Did you know? We are available to answer your questions not only during business hours. When you retain us as your attorneys, you can communicate with us via electronic mail and, under most circumstances, receive answers to your questions after hours on evenings and on weekends.

Client compassion. By far, the most common comment we receive from clients is a statement similar to this: "Thank you for being so understanding and helping me. You didn't make me feel like a deadbeat or feel embarrassed like another attorney I talked to."

Chapter 13 Bankruptcy

STOP FORECLOSURES.

ELIMINATE YOUR SECOND MORTGAGE IN MANY CASES!

GET THE TIME YOU NEED TO CATCH YOUR MORTGAGE UP OVER THREE TO FIVE YEARS.

STOP IRS TAX LEVIES. GET THE TIME YOU NEED TO PAY BACK TAXES. ELIMINATE SOME BACK TAXES ENTIRELY. STOP EXCESSIVE TAX PENALTIES.

FILE BANKRUPTCY AND KEEP ALL YOUR PROPERTY.

CLICK HERE FOR DETAILED ANSWERS TO YOUR QUESTIONS ABOUT CHAPTER 13 BANKRUPTCY, INCLUDING DETAILED INFORMATION ABOUT BANKRUPTCY REFORM.

A Chapter 13 bankruptcy is a plan of financial reorganization. Contrary to popular belief, Chapter 13 does NOT mean that you must repay all your debt. Most Chapter 13 plans involve the repayment of at least 25% of your debts over a three to five year period. The debt that is not repaid is "discharged" or written off when you complete the bankruptcy repayment plan.

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GET AN IMMEDIATE EMAIL RESPONSE RIGHT NOW.
NO-CHARGE FOR FIRST OFFICE CONSULTATION.

Chapter 13 bankruptcy is based on your ability to repay. However, under bankruptcy "reform", your ability to repay is determined mainly by application of "allowable" expenses established by the Internal Revenue Service's collection standards. This means that even though your expenses may be higher than the IRS' idea of "average" you will still only be allowed to deduct the maximum allowable expenses in each category from your income. Your net after tax income -- minus your allowable monthly expenses -- equals the amount of the monthly check you must write to the bankruptcy trustee under a Chapter 13 reorganization plan.

Credit counseling is now required before you file bankruptcy. A certificate that you have obtained credit counseling is required to be filed with the court. Credit counseling takes about an hour to ninety minutes and can be done on the internet or on the telephone. We request that you complete you credit counseling prior to your appointment with us. Click here for a list of approved credit counseling providers.