Very few people filing bankruptcy are well-to-do individuals trying to cheat the system
and stiff their creditors. According to a 1999 study by federal
bankruptcy judges, the average person filing for
bankruptcy earns just $22,000 per year.
Most have suffered a significant period of unemployment before
filing.
According to a
report by Consumers Union, publisher of the
well-respected Consumer Reports magazine, 85% of elderly debtors cite
medical or job problems as the reason for bankruptcy. Consumers
Union also says that single moms trying to make ends meet make
up a large portion of bankruptcy filers.
Half of all bankruptcies are triggered by sudden uninsured
medical expenses, according to
a
recent Harvard study by Professor Elizabeth Warren.
You are not alone.
Even Honest Abe filed bankruptcy. Click here for more.
Attorney
Profile
William A. Morris is a
seasoned litigator with more than 20 years trial experience
in general civil, commercial, business, and bankruptcy
matters. He has been practicing law since 1991 and is
admitted to practice in Colorado, Oklahoma, and Texas. He
holds a B.A. from the University of Colorado at Denver and a
law degree from Oklahoma City University where he served as
a staff editor of the Law Review.
IMMEDIATE EMAIL RESPONSE FOR BANKRUPTCY HELP FOR CHAPTER 7 AND
CHAPTER 13. CLIENT SERVICE GUARANTEE: We are not a bankruptcy "mill." Get a free consultation with an attorney, not a paralegal.
Get an immediate EMAIL RESPONSE right now from a LAWYER, not a paralegal.
ADDITIONAL SERVICES: Business Bankruptcies, Bankruptcy Reorganizations,
Bankruptcy Litigation (trials and lawsuits)
CHAPTER 7
BANKRUPTCY IS STILL AVAILABLE despite erroneous media reports to the contrary. You may have heard from the media that if you earn more than the MEDIAN INCOME for Colorado you must file for
chapter 13 bankruptcy. THIS IS NOT NECESSARILY TRUE! In most cases, a
Denver bankruptcy lawyercan still file Chapter 7 bankruptcy for you even if your income exceeds the state median income. We have the skills to exhaust every possible option to file your case as a
Chapter 7 bankruptcy and get you immediate debt relief. However, there are some instances where a
Chapter 13 bankruptcy would be a better option depending on your particular circumstances. For instance, a Chapter 13
bankruptcy may enable you stop foreclosure and to keep your home or eliminate your second mortgage, even if foreclosure has already started.
Not just a fast bankruptcy filing. An accurate bankruptcy filing.
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. But we make sure it is done right. 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.
Not just a bankruptcy attorney. An experienced trial attorney. William A. Morris is not just another Denver bankruptcy attorney, 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.
Retain your dignity. Regain your peace of mind. It's not easy to come to terms with the final reality that there is no other way out. Certainly, people have an obligation to repay their creditors if possible. But what happens after a divorce when two incomes are suddenly cut to one income? Or when an extended period of unemployment results in a mountain of debt that is insurmountable? Or when exorbitant medical expenses result in the garnishment of your wages? Or when you suddenly are disabled and unable to work? Or when the economy takes a nose-dive and your business fails? Contrary to what the politicians would like us to believe, most bankruptcies are a result of circumstances like these that are beyond the debtors' control.
While other Denver bankruptcy attorneys spend tens of thousands
of dollars marketing in order to file as many cases as possible, we
prefer to provide individualized, custom services to each client
with exceptional service. Read our
testimonials.
Morris Law Office serves clients from the Denver area and the cities of Larkspur, Fort Collins, Greeley, Longmont, Boulder, Brighton, Broomfield, Castle Rock, Westminster, Arvada, Lakewood, Aurora, Centennial, Littleton, Englewood, Golden, and Northglenn, and throughout Denver County, Adams County, Douglas County, Weld County, Arapahoe County, and Jefferson County.
matters. He has been practicing law since 1991 and is
admitted to practice in Colorado, Oklahoma, and Texas. He
holds a B.A. from the University of Colorado at Denver and a
law degree from Oklahoma City University where he served as
a staff editor of the Law Review. 
