Chapter 13 Bankruptcy

Chapter 13 is a very effective tool for getting current on back taxes, home mortgage payments, paying the value of a car instead of what is owed.  “Bad debts” that are not dischargeable in chapter 7, such as fraud, false pretenses, are often best dealt with in Chapter 13.  Many law offices do not file chapter 13 plans for their clients when they really should.  Chapter 13s can be tough to get confirmed.  There is often much scrutiny from the trustees and the courts.  The goal of every Chapter 13 is to get an “order of confirmation.”  It’s like a new contract with your creditors.  The good news—Berken Cloyes has one of the highest confirmation rates in the Colorado.  In short—we just do not give up.

How We Can Help

Berken Cloyes, PC can guide you through the legal processes involved in filing for bankruptcy. The sooner you contact us the sooner we can address your concerns and answer your questions. When our residents want bankruptcy representation, they know that we are the professionals to call.

Schedule an appointment with Berken Cloyes, PC today. We are Denver Colorado bankruptcy attorneys serving residents throughout the state of Colorado. Call us today at 303-623-4357 for a consultation.

Get Caring Assistance Every Step of the Way

You can count on Steve Berken and Sean Cloyes to:

  • Explain how the bankruptcy process works
  • Help you choose the right bankruptcy chapter for you and your family
  • Explain how to file bankruptcy
  • File the bankruptcy case and represent you in court

Immediately upon hiring our office, we help stop harassing phone calls.  You are on your path to financial recovery. 

Bankruptcy Protections

Once you file a Chapter 7 or Chapter 13 bankruptcy, none of your creditors can call you, write you, sue you, garnish you, repossess your car, or foreclose on your home.  This is the benefit of the “automatic stay”.

If your creditors contact you after you file a bankruptcy, you may be entitled to damages. The Bankruptcy Code allows those who have been hurt by violating the automatic stay to recover actual damages and maybe punitive damages, if the creditor acted intentionally.