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Chapter 13 Bankruptcy

Denver Chapter 13 Bankruptcy Lawyers

Chapter 13 bankruptcy is a debt consolidation and repayment plan for individuals. If you have a steady income, it offers you the opportunity to repay your debts over a three- to five-year period and keep your assets. In addition, the total amount of certain types of debt such as credit card bills may be reduced by 90 percent or more.

At The Law Office of W. Robert Montgomery, in Denver, Colorado, we offer a free initial consultation to explain how Chapter 13 bankruptcy works.

What Are the Advantages of Filing Chapter 13 Bankruptcy?

  • Provides debt relief for people whose income is too high to file Chapter 7 bankruptcy.
  • Offers a beneficial way of dealing with property and debt issues (such as home foreclosure) that aren’t available in Chapter 7 bankruptcy.
  • Gives you the ability to pay nondischargeable debts such as child support and alimony arrearages and some back taxes over time.
  • Allows you to pay less than the total balance owed on some loans secured by personal property, such as car loans.
  • Provides a three- to five-year repayment plan that restricts a lot of things creditors can do during that period, such as creditor harassment and wage garnishments.
  • Allows you to buy back value that exists in nonexempt property, such as cars, that may have to be surrendered to a trustee in a Chapter 7 bankruptcy.

Our Chapter 13 bankruptcy attorneys have extensive experience in preparing Chapter 13 bankruptcy petitions and proposed plans for debt repayment. Our lawyers are familiar not only with bankruptcy laws but also with how bankruptcy trustees and courts in the Denver metro have handled situations similar to yours.

Free Attorney Consultation

To discuss your Chapter 13 bankruptcy case with one of our Lakewood debt consolidation and repayment plan attorneys, call 720-496-1338 or fill out the contact form on this page. Our law office is conveniently located in Lakewood in the Western Denver metro area.

We are a debt relief agency. Our lawyers help people file for bankruptcy relief under the U.S. Bankruptcy Code.