“$0 Money-Down”

Need to file bankruptcy… but think you can’t afford to file bankruptcy?

Give us a call!  See if you qualify for Berken/Cloyes “$O Money-Down” bankruptcy filing.

“$0 Money-Down”

Denver resident? Boulder? Aurora? Stapleton? Lakewood? Arvada? We can file your Bankruptcy


We’ve been practing bankruptcy law since the 80’s.. Times are different, tougher… This is the FIRST time we’ve offered “$0 Money-Down” Bankruptcy. We care. We fight. We make your lives better.

What is “$O Money-Down” Bankruptcy.

We have a new program called – “$O Money-Down” Bankruptcy*  No “up-front” fees.  No “up-front” costs.  

Why spend your hard earned money???  There’s no reason to pay those expensive downtown high rise attorney’s who just farm their work to attorneys that just got out of law school… Most people qualify*** for the “$O Money-Down”?

With COVID – You’re probably struggling, bankruptcy might by the answer.. This is why we were inspired to start the “$0 Money-Down” Colorado residence Bankruptcy program!

If you want to see if you qualify for “$O Money-Down”, and don’t want to miss out, you need to call now.

Berken/Cloyes initial consultations are always FREE.  Privacy and confidentiality are top priorities, so you can feel safe talking to us. 

Pick up the phone and call:


In ONE quick step, you will have your appointment. (NOTE: You must be a resident of Colorado. Our office is in Denver, but if you live in let’s say.. Grand Junction, Durango, FT. Collins, Boulder… We can handle most cases remotely.)

Just call 303-623-HELP. 

If you need to file bankruptcy anyway…
why not get filed for “$O Money-Down”?

What’s more, you can find out all about bankruptcy, how it works, what it means and, most important of all, what it can do for you…FOR FREE. Why?  Unlike some law offices, our initial consultations are ALWAYS FREE FREE, no-strings attached and completely confidential.

And, if filing bankruptcy is right for you, and if you qualify, you can get filed for “$O Money-Down” .

It doesn’t get any better than that.

So, give us a try. In fact, don’t do anything until you come see us.

Finally, a solution.  Get the bankruptcy help and protection you need and pay “$O Money-Down” .

Want to look into changing your world, getting rid of stress, and ending your debt worries?  You can.  How?  Using the amazing power of bankruptcy: 

Stop repossessions.
          Stop foreclosures.
                     Stop lawsuits.
                               Lower payments on some debts.

                                            And make many debts just go away.

And, you need to know this:  When we make debts go away, we really make them go away, like magic.  Now you owe.  POOF!  Now you don’t.  Those debts are gone and you never have to pay them back….never.  Debts we get rid of using the bankruptcy laws are gone, for good, finally and forever.  You never have to pay them back.  It’s like getting one giant “get out of jail free card”.  This alone can save you tens of thousands of dollars, freeing up money that is better spent, from now on, taking care of your family.  Think about it.  In this horrible economy, “Who needs the money most, you or your creditors?”  Maybe filing bankruptcy is right for you, maybe not.  But if filing bankruptcy is right for you, filing bankruptcy lets “you’ choose “you”.

Clients…people just like you…do it all the time.  And that’s just the beginning, a “taste”, so to speak, of all the amazing and life-changing benefits you can get by filing bankruptcy.*

Naturally, results will vary depending upon your particular situation, and when you come in, we will go over all that and lay out exactly what filing bankruptcy can do for you.   But, for right now…

Don’t wait. Call now.

And, please, please, keep in mind that we only have a limited number of appointments available. Like any business, we only have just so many staff.  So, there are only just so many people, just like you, that we can help.

Don’t be the one that gets left out. Call now and reserve your appointment. 

Our initial consultations are always FREE.  And since privacy and confidentiality are top priorities, you can feel safe talking to us. 

Pick up the phone and:


*         Assumes filing under and qualification for Chapter 13 case.
**    Costs advanced will be added to the Chapter 13 plan for reimbursement.
***  $0 Money-Down Common Sense Qualifications:  (1) You have steady, dependable, income sufficient to pay your normal monthly living expenses and your Chapter 13 payment; (2) You have not more than $2,000 in funds “on hand”;  (3) You need those funds “on hand” to pay for your living expenses and to protect your family against emergencies or other unexpected expenses; (4) You have no money left over in your budget after paying your living expenses and your Chapter 13 payment; (5) You owe our law firm no money on a prior “dismissed” Chapter 13 case; (6) You are less than 6 months behind on all real property you want to keep;  (7) There are no foreclosure sales scheduled to take place in the next 30 days with respect to real property you want to keep;  and  (8) You sign up with us before this “$O Money-Down” offer expires.