Most, if not all, of my bankruptcy clients would prefer not to be in a position to explore and/or file for federal bankruptcy protection. Unfortunately, life’s journey can sometimes bring forth financial hardships that were not planned nor were they desired.
Many of my bankruptcy clients have had unfathomable medical concerns for themselves and for their spouses or children. I have other bankruptcy clients who, through no fault of their own, have been laid off or wrongfully terminated from their employment. Creditors and perhaps more pointedly their collection agencies have no personal care or concern for my bankruptcy clients’ unplanned financial hardships. Oftentimes the “tipping point” for clients to hire me is because they are facing and/or they have already suffered additional financial hardships through court actions and garnishments and/or bank liens.
For potential bankruptcy clients considering representation, I encourage them to call Experian at 1-800-270-6131 to obtain a free credit report. Clients considering bankruptcy should also have six (6) months of pay stubs; and for self-employed individuals, proof of income for the last six (6) months.
Chapter 7 bankruptcy representation will provide complete relief from creditors. In some cases, bankruptcy clients will need to file for Chapter 13 relief as they have assets they want to protect and/or they are above the Bankruptcy Court income standards.
I work with my bankruptcy clients directly and I am the one to meet with bankruptcy clients during office appointments, not any of my staff. If I can assist you with bankruptcy representation, please do not hesitate to contact me.
No one wants to file for bankruptcy, but for many clients, it is the only practical option during difficult financial times. Whether it’s mortgage trouble, too much debt, or difficulty managing credit cards, Hartman Law Offices has helped many clients in Englewood, CO file for both Chapter 7 and Chapter 13 bankruptcy. Determining which Chapter to file for can be a difficult task, and one that an experienced bankruptcy attorney can help you decide.