Howard S. Goodman is a Denver bankruptcy attorney with more than 30 years of bankruptcy experience, helping individuals and couples get a fresh financial start
Filing for Chapter 7 bankruptcy makes it possible to discharge the majority of your debts
Chapter 13 bankruptcy allows you to reorganize your debt, and offers a means by which you can save your home
Filing for bankruptcy stops harassing phone calls and prevents wages from being garnished by creditors
Our local, convenient location means you can speak with a Denver bankruptcy lawyer today, without cost or obligation
Looking for a Fresh Start? Contact Denver Bankruptcy Attorney Howard S. Goodman
More often than not, hardworking people fall behind on bills through no fault of their own. Just a few weeks of lost work, unforeseen medical bills, or even getting turned down for a loan can make it impossible to get caught up financially.
Unscrupulous creditors only add to you misery and embarrassment. Whether calling at all hours during both day and night, harassing family members, or garnishing your wages, they can make you feel like there is no way to get back on your feet financially.
Fortunately, the law makes it possible to obtain debt relief. In fact, there are many benefits to filing for bankruptcy that you may not even be aware of.
Benefits of Filing for Bankruptcy in Denver
While many people think filing for bankruptcy will cause irreparable damage to a person’s credit, the opposite is actually true. In fact, after the completion of a Chapter 7 bankruptcy or Chapter 13 bankruptcy, your credit rating will immediately begin to improve.
There are numerous reasons why you might consider filing for bankruptcy, so it’s a good idea to discuss your options with a qualified Denver bankruptcy lawyer. Much will depend on your particular situation, so speak with a Denver bankruptcy attorney today and start getting specific answers. Some of the benefits of filing for bankruptcy include:
Wage garnishment by creditors is immediately stopped
All harassing phone calls must cease
Eliminate your debt and rebuild credit
Protect personal property, including your car and home
Stop foreclosure on your home
Eliminate second mortgages in some cases
Denver Chapter 7 Bankruptcy Lawyer
When most people think of bankruptcy, Chapter 7 bankruptcy is what comes to mind. A Denver Chapter 7 bankruptcy lawyer can help you determine whether you qualify for Chapter 7, which allows you to discharge the majority of your debt and get a fresh start.
When you file for Chapter 7 bankruptcy in Denver, creditors are legally obligated to stop contacting you and may no longer garnish your wages. This action is immediate, so you quickly are released from some of the financial burden you are currently experiencing.
Another benefit of filing for Chapter 7 bankruptcy is that it seldom results in the liquidation of your assets. This means that you may be able to keep your automobile and home, although the end result may depend on the amount of equity you have in your property.
Your Chapter 7 bankruptcy attorney will help you sort out the details, so that you can decide whether to follow this path or consider a Chapter 13 bankruptcy.
Denver Chapter 13 Bankruptcy Lawyer
Under what circumstances is a Chapter 13 bankruptcy more advantageous than a Chapter 7? If you are an individual or married couple who wants to save your home, are obligated to pay tax debt, or have some other special circumstance, then you may want to consider a Chapter 13 bankruptcy.
Filing for a Chapter 13 bankruptcy immediately stops creditor actions and foreclosures. This makes it possible for you to retake control of your finances and lower monthly payments to a manageable level designed to get you back on your feet
Your Denver Chapter 13 bankruptcy lawyer will help you determine if this option is more suited to your situation. Reorganization of debt via a Chapter 13 bankruptcy is designed to reduce your monthly financial obligations to regain control of your home and finances. It may even be possible to eliminate a second mortgage on your home if the amount of the initial mortgage exceeds the market value of the property.
Weighing your choices can be difficult, but with help from Denver bankruptcy lawyer Howard S. Goodman, you can be confident that you’re getting the legal guidance you need to make a sound decision.
Get a Free Consultation from a Conveniently Located Denver Bankruptcy Attorney
Denver bankruptcy lawyer Howard S. Goodman is conveniently located off of I-25, so you don’t have to drive far to take advantage of a free consultation. If you prefer you can contact our law office by phone, or schedule an appointment online.
Your one-hour bankruptcy consultation is free of charge, confidential, and with no obligation or risk. While filing for bankruptcy can be a long and complicated process, your Denver bankruptcy attorney will work with you from start to finish.
With over 30 years of legal experience in Denver, exclusively working in the bankruptcy arena, we will help you determine if you qualify for bankruptcy and give you an honest appraisal about the likelihood of success.
Unfortunately, many people make mistakes when filing for bankruptcy that cause them to lose assets such as their home, automobile, or other prized possessions. One wrong turn during the Denver bankruptcy process could also result prevent portions of your debt from being discharged by the court.
The goal of your Denver bankruptcy lawyer is to anticipate and eliminate any roadblocks that could hinder progress throughout the entire process. This is why there is no substitute for experience when dealing with bankruptcy law.
When you work with Howard S. Goodman, you get personalized service from a qualified legal professional. You won’t have to fight through a receptionist or paralegal when you want to speak with your bankruptcy attorney, because Mr. Goodman is the person who will be answering the phone.
If you’re ready for financial relief, contact our Denver bankruptcy law office today and get help from a lawyer who will work tirelessly to provide you with results.