Deciding to file for bankruptcy is never easy and anyone who faces such a decision naturally has many questions and concerns for the future.
You may wonder …
- Can I even qualify to file for bankruptcy?
- Will I be able to keep my home and vehicle?
- Can I avoid garnishment and the seizing of other assets?
- Will our family ever recover financially?
- You need someone to guide you through the process who knows the answers to your questions, can provide practical advice, and who will be an able representative for you with your creditors.
You will find such a resource in the attorneys at Robinson & Henry, led by chief bankruptcy and debtor defense attorney Elizabeth Domenico. Elizabeth has helped hundreds of families and small businesses through the stress and heartbreak that often accompany a decision to file for bankruptcy. She will be an astute ally in the fight to protect your assets and negotiate the best possible outcome of the bankruptcy proceedings. Everything starts with a free personal consultation with attorney Elizabeth Cocat to discuss your needs and consider your options. The sooner in the process that you contact Elizabeth, the more she will be able to accomplish on your behalf.
Which Bankruptcy Filing Is Right for You?
Robinson & Henry primarily represents individuals, families and small businesses in Chapter 7 and Chapter 13 bankruptcy negotiations and filings. Each type of bankruptcy is different and suited to a different financial situation.
–Chapter 7 liquidation is often the best choice for those with limited income who own minimal assets of value, and who are unable to continue making payments on medical bills, credit cards, and other types of unsecured debt. In a Chapter 7 bankruptcy, most debts are discharged (with a few exceptions, such as student loans) and the bankruptcy filer surrenders all assets that are not protected from liquidation under state law. Exempted assets typically include home equity and vehicle equity up to certain limits, most personal property such as household goods and furnishings, and retirement accounts. Chapter 7 bankruptcy is often the quickest way to make a fresh start and get out from under the weight of pressing debt.
– Individuals who have substantial non-exempt assets or who have too much income to qualify for Chapter 7 can consider Chapter 13. Chapter 13 bankruptcy is a type of restructuring or partial repayment of debt. Many bankruptcy filers use Chapter 13 to avoid or delay foreclosure on their home, to restructure tax debt, or to lower payments on their auto loans. Our experienced Colorado bankruptcy attorneys assist clients in creating a Chapter 13 plan to repay all or a portion of their debts. Both Chapter 7 and Chapter 13 prevent creditors from pursuing collection while the bankruptcy is in effect.
How Robinson & Henry Will Help With Your Bankruptcy
From the moment you contact us, Robinson & Henry will be your ally and representative. We will advise you on what assets can be protected, and how best to plan ahead for a bankruptcy filing. We do not recommend that you attempt to disperse or hide your assets in anticipation of a bankruptcy filing. The wrong action can put you in legal hot water with the bankruptcy court, and can set a bad tone for the entire proceedings. Your best course of action is to contact us as soon as you know you are in financial trouble, so we can advise you concerning what pre-bankruptcy action is permissible.
Representation with debtors and the court
With the help of experienced Colorado bankruptcy attorney Elizabeth Cocat, you can put an end to harassing phone calls, and even stop foreclosures, garnishments, and bank levies while we work with you to restructure your personal or business debts. With our help, you’ll be able to more quickly move on with your life and/or business. Our attorneys will work aggressively on your behalf litigating any claims that arise from the bankruptcy petition and representing you in every stage of the bankruptcy process.
Advice throughout the bankruptcy process
There are many questions and contingencies associated with bankruptcy proceedings. You need the expert guidance of an experienced Colorado bankruptcy attorney in order to make wise choices. Erroneous decisions – such as filing at the wrong time – can cost you literally thousands of dollars. It pays to seek the advice and assistance of Elizabeth Domenico at Robinson & Henry to assure you achieve the best outcome possible to your situation.
Call for a free, no-obligation consultation today
Don’t continue struggling under the stress and burden of deep debt and creditor harassment. Call Elizabeth Domenico at Robinson & Henry today for a free no-obligation consultation about your needs and situation. We’ll sit down together, or if you prefer, talk by phone and explore your options. Elizabeth Domenico serves clients throughout Castle Rock, Highlands Ranch, Centennial, and the entire south metro Denver region. Call 303-688-0944 or make an appointment online today.