Filing Bankruptcy with a Denver Bankruptcy Lawyer
The intake process: This can be made unnecessarily complicated or it can be straightforward and efficient, through the use of modern technology. In general, you will need to provide us with four pieces of information: (1) Your tax return (2) proof of your income for the past six months (3) fill out our online questionnaire, and (4) go online to obtain a certificate of credit counseling.
Once this information is available, we analyize the data you have provided as follows: (1) We prepare form B22 (the means test) carefully and accurately to qualify you for Chapter 7 bankruptcy or to estimate your payment in a Chapter 13 reorganization (2) we prepare your statement of financial affairs as required (3) we prepare your schedules including your budget, disclosure of property, and listing or secured, unsecured, and priority debts (4) we then sit down with you to review some 60+ pages of completed documents for accuracy.
We review your case for any crucial timing issues that might affect turnover of property or dischargeability of tax debts, after which your case is filed after you sign the documents. Filing consists of electronic submission of all documents to the bankruptcy court, at which point we receive notification of your 341 hearing date (meeting of creditors) which normally occurs 30 to 45 days after your case is filed.
Next, we appear at your meeting of creditors — but not before you have been carefully advised what to expect and how to present yourself at the hearing. We negotiate any outstanding property issues with the trustee on your behalf. Meantime, you must complete your online debtor education class in order to get a certificate of completion which makes you eligible for a discharge.
In a Chapter 7 bankruptcy, you receive a final discharge of your debts about 60 days later. In a Chapter 13 bankruptcy, you continue making your bankruptcy reorganization payments for three to five years after which your receive a discharge.
What is a bankruptcy mill? Bankruptcy “mill” is a term loosely used to describe Denver bankruptcy attorneys that process as many client cases as quickly and as cheaply as possible — usually with little attention to detail or personal service. These firms also lack the time and compassion to guide you through one of the most confusing and difficult times in your life.
Even though we have 20 years of experience and a proven track record, our fees are affordable and comparable to the “bait and switch” advertisers you see on line — and are even lower in many cases. Click HERE for more fee information.
Moreover, Denver bankruptcy lawyers at bankruptcy “mills” oftentimes claim to only “handle Chapter 7″ bankruptcies and have little to no understanding about how Chapter 13 bankruptcy cases work. It is impossible to properly practice bankruptcy law if a Denver bankruptcy lawyer doesn’t fully fully understanding all bankruptcy options available. Chapter 13 bankruptcy is not just a purgatory where bad debtors go when they earn a lot of money. Many times a Chapter 13 bankruptcy is a much better option than Chapter 7 bankruptcy. If you have a large second mortgage, owe back taxes or child support, or have other divorce obligations then a Chapter 13 bankruptcy may be a much better option.
Not just a fast bankruptcy filing. An accurate bankruptcy filing by a TRIAL LAWYER.
Nothing destroys your credibility faster with the bankruptcy court — and causes unwanted scrutiny — than a bankruptcy filing that is incomplete, inaccurate, or that otherwise doesn’t cross-check properly from schedule to schedule. We file your case fast. When you hire us as your Denver bankruptcy attorneys, we make sure it is done correctly. By ensuring an accurate bankruptcy filing that makes factual and mathematical sense, we help to minimize the scrutiny your case receives from the U.S. Trustee’s Office. Complete legal analysis and cross-checking is something you cannot get and will not get from an unlicensed document preparation service and can only get from a Denver bankruptcy attorney.
Not just a Denver bankruptcy attorney. An experienced Denver trial attorney. William A. Morris is not just another Denver bankruptcy lawyer, but is a TRIAL ATTORNEY with more than 20 years of trial experience prepared to fight for your constitutional right to bankruptcy relief. The new bankruptcy “reform” laws were pushed by the credit card industry to increase the billions of dollars they already pocket through high interest rates and excessive fees. You can’t afford to give your Senator or Congressman a few million dollars in campaign money for legislation favorable to you, but you can choose a bankruptcy attorney with experience not just in bankruptcy law but also as a TRIAL ATTORNEY prepared to aggressively defend any legal challenges to your bankruptcy case.
A good Denver bankruptcy attorney will understand the entirety of the bankruptcy code and will work to find the best option for you — not just the most expedient option. A Denver bankruptcy attorney that has too many clients to adequately give each client personal attention may offer a cheap fee; the client ends up feeling confused and resentful.
What happens if the US Trustee picks your case for an audit or, worse yet, a motion to dismiss or revoke your discharge? Can your Denver bankruptcy lawyer handle what could be a financial catasrophy?
Before choosing one of many Denver bankruptcy attorneys consider whether you are speaking with a bankruptcy mill – that is, a law firm that files as many cases as it can as cheaply as possible. Questions to ask your Denver bankruptcy attorney before you settle on the cheapest fee:
- How many cases have you filed? Do you only handle Chapter 7 bankruptcy cases or can you fully advise me of all my options?
- Are you able to handle a challenge to my Chapter 7 bankruptcy by the US Trustee? Have you ever actually taken a trustee objection to trial?
- How many cases have you taken to trial?
- Are you available to fully address my questions and concerns or do you need to “get back to me?”
- Will you help me or will I only be talking to your paralegal?
- I know there are benefits to filing Chapter 13 bankruptcy under some circumstances? How many confirmed bankruptcy plans have you handled? What do you do for me when the Chapter 13 trustee objects to my bankruptcy plan?
- What have prior clients said about you?
Competent Denver bankruptcy attorneys will take the time to answer these questions and will not be offended. Denver bankruptcy lawyer William A. Morris with years of experience can identify potential minefields in your case and make what is a difficult decision for you flow smoothly and painlessly. You truly will sleep better when an experienced trial attorney guides your case to a successful conclusion. Read our client testimonials.