Colorado Chapter 13 Attorneys
Reorganize Your Debt with Chapter 13 Bankruptcy
If you have a steady income but face overwhelming debt, Chapter 13 bankruptcy provides a structured pathway to regain financial stability while keeping your valuable property. Filing halts collection calls, foreclosures, and wage garnishments through an automatic stay, consolidating your debts into a manageable three- to five-year repayment plan. At Robinson & Henry, our bankruptcy attorneys help you design an affordable plan, protect your home and vehicle, and secure long-term relief.
Common Reasons to File for Chapter 13 in Colorado
For individuals with a steady income but overwhelming debt, Chapter 13 is a structured way to regain financial stability while keeping valuable property. Here are some of the most common reasons Coloradans turn to it:
Income is steady, but debt has become unmanageable
Priority debts like child support, alimony, or unpaid taxes need to be repaid, along with secured debts like a mortgage or auto loan
Collection calls, foreclosure, or wage garnishment have already started
Chapter 7 isn't the right fit, or the filer wants to protect assets that exemptions alone wouldn't cover
How Our Colorado Chapter 13 Bankruptcy Attorneys Can Help You
Filing triggers an automatic stay, halting collection calls, foreclosures, and wage garnishments. Here's how we can help:
Consolidate your debts into a manageable three- to five-year repayment plan
Design an affordable plan that protects your home and vehicle
Confirm your eligibility, since prior bankruptcy dismissals or missing credit counseling can disqualify you
Guide you through which debts get repaid first and how exempt assets affect your monthly payments
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Meet Our Team of Colorado Chapter 13 Lawyers
Our Experienced Chapter 13 Attorneys in Colorado Are Ready to Help
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FAQs
Priority debts, such as child support, alimony, criminal fines, unpaid federal income tax, and federal student loans, are repaid first in a Chapter 13 bankruptcy. Secured debts, like home mortgages and auto loans, are typically paid next. Unsecured debts, such as credit cards and personal loans, are often only partially repaid or discharged.
In a Chapter 13 bankruptcy, you can keep exempt assets like clothing, household items, furniture, and equity in a home or vehicle. Unlike Chapter 7, exemptions don’t prevent asset loss. However, they affect your monthly payments. Non-exempt property values contribute to your repayment plan.
Debtors who didn’t follow court orders during a previous bankruptcy case resulting in a dismissal or dismissed a previous case after creditors tried to reclaim property are ineligible. Debtors who did not receive credit counseling from a qualifying agency are also ineligible for Chapter 13 relief.
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