Experienced Bankruptcy Lawyers

Selecting a good Denver Bankruptcy Attorney

Even though we have 30 years of experience and a proven track record, our fees are affordable and comparable to the “bait and switch” advertisers you see online — and are even lower in many cases.  We are often asked about advertised attorney fees for Chapter 7 in the $400 to $500 range which you may see on the internet.  The two most prominent attorneys advertising this fee NEVER OR RARELY actually charge this fee. Their advertisements say “no hidden fees.”  That’s because the actual higher fee is fully disclosed before you sign up with them.

Before selecting a Denver bankruptcy lawyer 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:

  1. How many cases have you filed?  Do you only handle Chapter 7 bankruptcy cases or can you fully advise me of all my options?
  2. 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?
  3. How many cases have you taken to trial?
  4. Are you available to fully address my questions and concerns or do you need to “get back to me?”
  5. Will you actually be helping me or will I only be talking to your paralegal?
  6. 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?
  7. What have prior clients said about you?

Competent Denver bankruptcy lawyers will take the time to answer these questions and will not be offended.  Denver bankruptcy attorneys 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.

Results count. The Office of the United States Trustee has never brought a successful objection to discharge or motion to dismiss against a client of Denver bankruptcy attorney William A. Morris.  In a 2008 case, the Trustee moved to revoke the discharge of a single, impoverished, divorced woman.  The Trustee’s actions were based on nonsense from her abusive ex-husband, but the staff attorney for the U.S. Trustee’s Office refused to back off of the motion to dismiss that had been filed.  Following a full trial of all issues, a U.S. Bankruptcy judge entered judgment on behalf of the client and the firm prevailed.  This client preserved her right to walk away from tens of thousands of dollars of debt.

Is your Denver bankruptcy attorney going to shy away from a fight, refer you elsewhere, or otherwise leave you unable to defend yourself?  If your discharge is revoked, the debts included in your bankruptcy survive and are yours for life — never to be included in any subsequent bankruptcy.

The Office of the US Trustee is a large office of taxpayer funded federal bureaucrats charged with administering and reviewing every bankruptcy case filed.  This government agency justifies its existence, in part, by demonstrating how many bankrupt families it can prosecute for a violation of the bankruptcy laws — with the end goal of getting your case dismissed.

Statistically, the chances of your case being the target of a dismissal motion are quite small.  Nevertheless, it does happen.  And unfortunately, it can happen without good cause and without a sound legal basis. Only an experienced Denver bankruptcy attorney can help you navigate through this critical junction in the bankruptcy process.

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 analyze 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 you receive a discharge.

Your Denver Bankruptcy Lawyer

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 catastrophe?

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.