Denver Bankruptcy Attorneys - Law Office of Andrew McKenna

    Free Initial Consultation

    303-730-8819

Colorado Residents:

Stressed over Debt? Considering Bankruptcy?
Andrew F. McKenna is the Colorado Bankruptcy Law
Expert Serving You Where You Live.

With Offices in North and South Denver.

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    • COMMON BANKRUPTCY MYTHS


    • Bankruptcy Attorney Andrew McKenna on Colorado & Company

    • THE VARIOUS OPTIONS YOU HAVE IN BANKRUPTCY

  • EVENING AND WEEKEND APPOINTMENTS AVAILABLE

    Contact us today at 303-730-8819, or use our CONTACT PAGE to request your free Telephone Consultation with Andrew F. McKenna, The Bankruptcy Attorney.

  • Denver Bankruptcy Attorneys

    Colorado residents are seeking bankruptcy protection in record numbers and with good reason. Predatory lending, the collapsing housing market, high unemployment, credit card debt and the astronomical cost of medical care are the primary reasons why consumers find themselves facing insurmountable levels of debt.

    The Denver bankruptcy lawyers at The Law Office of Andrew McKenna have helped countless families seek a fresh start free of debt collectors, maxed out credit cards and the constant threat of mortgage foreclosure.

    Denver bankruptcies accounted for three-quarters of the 15,000 new cases filed in the first half of 2011, according to the U.S. Bankruptcy Court for the District of Colorado. A total of 32,509 bankruptcies in Colorado were filed in 2010. In comparison, just 9,741 cases were filed in 2006 before the beginning of the economic downturn.

    While historically some viewed bankruptcy in a negative light, it has become a salvation for many in the middle class who simply can’t make ends meet anymore. Consequently, there is little or no stigma attached to seeking bankruptcy protection in Colorado or elsewhere. Most can get car loans and credit cards shortly after a bankruptcy is discharged. Mortgage loans are usually obtainable in as little as two years. For many, their credit scores were already ruined by maxed out credit cards and late payments; that, too, will begin to repair itself almost immediately.

    Types of Bankruptcy in Colorado

    • Chapter 7: The most common type of consumer bankruptcy, it permits a consumer to erase most types of debt and make a fresh start.
    • Chapter 9: Municipal bankruptcy used by cities, towns, school districts, etc.
    • Chapter 11: Business reo-organization bankruptcy.
    • Chapter 12: Used by family farms and fisheries.
    • Chapter 13: Second main type of consumer bankruptcy. Establishes a repayment plan for 3 to 5 years and permits some debt that remains unpaid at the end of that term to be forgiven.
    • Chapter 15: International bankruptcy used in cases involving entities outside the United States.

    Bankruptcy is a complex legal process handled in federal court. Consulting an experienced Denver bankruptcy law firm is vital to protecting your rights and your future financial well-being. Failure to include all assets can result in charges in Colorado bankruptcy fraud. Failure to include all debts can leave you liable for such debts after a bankruptcy is discharged – and unable to seek bankruptcy protection again for a period of years. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 has also made filing bankruptcy more complicated. Regardless of the moniker Congress gave it, the act was primarily a handout to large banks and credit card companies. Having saddled consumers with unmanageable debt levels and high interest rates through predatory lending and marketing practices, those same companies were upset when consumers sought protection through bankruptcy. The result is a means test that must be performed on a consumer’s income, assets and liabilities before determining whether he or she can seek protection through Chapter 7 or Chapter 13 bankruptcy.

    Bankruptcy Help in Denver

    Filing for Bankruptcy in Colorado can:

    • Stop foreclosure
    • Stop collection calls
    • Stop garnishment of wages
    • Erase credit card debt
    • Eliminate bad mortgage debt
    • Eliminate medical bills
    • Protect your retirement funds

    Consumer bankruptcy laws remain powerful tools that permit Colorado residents to make a fresh start. Creditors are forbidden from contacting you as soon as bankruptcy is filed. You and your Colorado bankruptcy lawyer can then sit down in the peace and quiet and decide upon the best course of action. In many cases, your bankruptcy can be discharged in a matter of months, allowing you to go forward with a fresh start into a more secure financial future.

    If you need bankruptcy assistance in Denver or would like more information, call The Law Office of Andrew McKenna today at 303-730-8819 for a free consultation or contact us online. We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code. Serving clients in Denver, NorthglennWestminster, Thornton and throughout Colorado, including Aurora, Englewood, Lakewood and Boulder.

    Denver Bankruptcy Help – 303-730-8819– Free Consultation

  • ANDREW McKENNA’s CREDENTIALS

    20 Years of Experience
    NACBA Member
    Only represents consumers
    BBB Accredited, A+ Rating
    Member of Tom Matino Referral List for over 5 Years

    • STOP FORECLOSURES
    • STOP WAGE GARNISHMENTS
    • STOP VEHICLE REPOSSESSIONS
  • Find me on Google+

    Address:

    North Metro Denver Office – 11154 Huron
    St. Northglenn, CO 80234

    South Metro Denver Office – 3801
    E. Florida, Suite 400, Denver, CO 80222

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