Chapter 13 Bankruptcy Lawyers In Colorado

Helping you understand Chapter 13 bankruptcy law to become financially free

Navigating financial challenges can be overwhelming, but for individuals in Colorado seeking debt relief and a chance at a fresh start, Chapter 13 bankruptcy can be a viable solution. At Fleming Lowenberg & Cooling, we understand the complexities of bankruptcy law and are here to guide you through the Chapter 13 process.


Chapter 13 Bankruptcy Overview:

Chapter 13 bankruptcy, also known as the "wage earner's plan," is a legal tool designed to help individuals reorganize their debts while retaining their assets. Unlike Chapter 7, which involves liquidation of assets to pay off debts, Chapter 13 allows debtors to create a manageable repayment plan over three to five years.


Key Features of Chapter 13 Bankruptcy:

Debt Repayment Plan: One of the primary features of Chapter 13 is the creation of a court-approved repayment plan. This plan outlines how the debtor will repay creditors over the specified period, typically ranging from three to five years.


Asset Retention:

Unlike Chapter 7, Chapter 13 allows individuals to keep their assets, such as homes and cars, as long as they adhere to the repayment plan. This can be particularly beneficial for those with valuable assets they wish to protect.


Automatic Stay:

Filing for Chapter 13 triggers an automatic stay, preventing creditors from initiating or continuing collection actions. This provides immediate relief from creditor harassment, wage garnishments, and other collection efforts.


Coordinated Debt Repayment:

The court-appointed trustee collects payments from the debtor and distributes them to creditors according to the approved plan. This coordinated repayment process streamlines debt management and ensures fair distribution to creditors.


Debt Discharge:

Upon successful completion of the repayment plan, remaining qualifying unsecured debts may be discharged, offering a fresh financial start for the debtor.


Eligibility Criteria for Chapter 13 Bankruptcy in Colorado:

To qualify for Chapter 13 bankruptcy in Colorado, individuals must have a regular source of income and unsecured debts below a specified limit. The exact criteria can vary, and consulting with experienced bankruptcy attorneys, such as those at Fleming Lowenberg & Cooling, is crucial to determine eligibility.


How Fleming Lowenberg & Cooling Can Help:

Navigating the complexities of bankruptcy law requires expert guidance. At Fleming Lowenberg & Cooling, our team of skilled bankruptcy attorneys is committed to helping individuals in Colorado achieve financial stability through Chapter 13 bankruptcy. We offer personalized legal advice, comprehensive debt analysis, and dedicated representation throughout the bankruptcy process.


Contact Us Today:

Chapter 13 bankruptcy in Colorado provides a lifeline for individuals facing overwhelming debt. Fleming Lowenberg & Cooling is dedicated to helping clients understand their options, navigate the legal process, and secure a brighter financial future. Contact us today for a confidential consultation and take the first step toward a debt-free tomorrow.


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Chapter 13 Bankruptcy Frequently Asked Questions

  • Q: What is Chapter 13 bankruptcy, and how does it work in Colorado?

    A: Chapter 13 bankruptcy, also known as a wage earner's plan, is a debt restructuring option in Colorado. It allows individuals with a regular income to create a manageable repayment plan for their debts over three to five years. At Fleming Lowenberg & Cooling, we specialize in guiding you through this process to help you regain financial control.

  • Q: How does the Chapter 13 repayment plan work?

    A: The Chapter 13 repayment plan is a customized agreement that outlines how you will repay your creditors over the specified period. Our experienced attorneys at Fleming Lowenberg & Cooling work with you to create a plan that fits your budget, helping you consolidate and manage your debts effectively.

  • Q: What are the benefits of filing for Chapter 13 bankruptcy in Colorado?

    A: Chapter 13 offers various benefits, such as preventing foreclosure, allowing you to catch up on missed mortgage payments, and reducing or eliminating certain types of debts. Our legal team at Fleming Lowenberg & Cooling helps you understand and leverage these advantages for a more secure financial future.

  • Q: How do I qualify for Chapter 13 bankruptcy in Colorado?

    A: Unlike Chapter 7, there's no means test for Chapter 13, but individuals must have a regular income to fund the repayment plan. Our attorneys assess your financial situation to determine your eligibility and guide you through the qualification process.



  • Q: Can I keep my assets in Chapter 13 bankruptcy in Colorado?

    A: Yes, one of the advantages of Chapter 13 is that it allows you to keep your assets while restructuring your debts. Our legal team helps you navigate exemptions and ensure that you retain essential property during the repayment period.

  • Q: What happens after I complete the Chapter 13 repayment plan in Colorado?

    A: Upon successful completion of the repayment plan, any remaining qualifying unsecured debts are typically discharged. Our attorneys at Fleming Lowenberg & Cooling guide you through this final step, ensuring a smooth transition to a debt-free future.

  • Q: Is credit counseling required for Chapter 13 bankruptcy in Colorado?

    A: Similar to Chapter 7, credit counseling is required before filing for Chapter 13 bankruptcy. Our team assists you in fulfilling this requirement, providing valuable insights into alternatives and preparing you for the bankruptcy process.

  • Q: How can Fleming Lowenberg & Cooling assist with Chapter 13 bankruptcy in Colorado?

    A: Our seasoned legal team specializes in Chapter 13 bankruptcy cases. From creating a tailored repayment plan to navigating the complexities of the process, we provide expert guidance and support. Contact us for a consultation and take the first step toward a more manageable financial future.

  • Q: When should you file for Chapter 13 Bankruptcy in Colorado?

    Individuals residing in Montrose, CO, Delta, CO, Telluride, CO, and the surrounding areas, facing financial challenges, may consider filing for Chapter 13 bankruptcy in Colorado. Unlike Chapter 7, Chapter 13 does not involve a "Means Test" threshold based on income. Instead, it allows individuals to create a repayment plan to address their debts over a specified period.


    In certain cases, clients may have assets, such as valuable cars or firearms, that need protection. Our role is to identify these assets and collaborate with you to safeguard them before initiating the Chapter 13 filing. A significant benefit of filing for Chapter 13 bankruptcy is the automatic stay, temporarily halting creditor lawsuits, wage garnishments, and creditor harassment. This stay provides debtors with essential time to navigate the bankruptcy process without the added stress of creditor harassment.


    The experienced Colorado bankruptcy attorneys at Fleming Lowenberg & Cooling are prepared to guide you through every aspect of the Chapter 13 process. This includes helping you create a viable repayment plan and ensuring all necessary paperwork is collected and prepared for your bankruptcy filing, with electronic submission for your convenience. We stand by your side during the Meeting of Creditors, addressing any inquiries creditors may have about your Chapter 13 bankruptcy petition. With our expertise, you can confidently face this meeting without surprises or feelings of being underprepared.


    Let Fleming Lowenberg & Cooling assist you in achieving debt restructuring and relief under Chapter 13 today!

Why Choose Fleming Lowenberg & Cooling Law Firm for Bankruptcy in Colorado?

If you're navigating through bankruptcy challenges in Archuleta, Conejos, Costillo, Delta, Eagle, El Paso, Garfield, Gunnison, Hinsdale, Huerfano, La Plata, Lake, Las Animas, Mesa, Mineral, Moffat, Montezuma, Montrose, Ouray, Pitkin, Pueblo, Rio Blanco, Saguache, San Juan, San Miguel, or any surrounding areas in Colorado, turn to our firm for unparalleled legal guidance. With a team of adept Colorado bankruptcy attorneys, Fleming Lowenberg & Cooling Law Firm adopts a hands-on approach in every case to provide exceptional legal advocacy. While we cannot promise specific outcomes, our unwavering commitment is to navigate you through your financial trials with expertise, aiming for a brighter financial horizon.


For more than 15 years, Fleming, Lowenberg & Cooling has dedicated its services to the Western Slope region. We understand the difficulties posed by financial distress, and firmly believe that quality legal assistance should be within everyone's reach. Our focus extends beyond just explaining your rights; we actively work to protect them, ensuring every client receives the comprehensive legal support they need.


Embark on the journey to financial freedom with the Fleming Lowenberg & Cooling Law Firm. Our Colorado bankruptcy attorneys provide a complimentary initial consultation for bankruptcy cases. Call (970) 240-2812 or contact us online to begin! Flat rates and unbundled services are available.

Benefits of Engaging Us as Your Attorney for Bankruptcy

Our bankruptcy attorneys possess extensive knowledge of Colorado bankruptcy law and adeptly handle individual cases. Here are reasons why hiring a bankruptcy attorney can be advantageous:


  • Knowledge of Colorado Laws: Our Grand Junction bankruptcy lawyer is well-versed in federal, state, and local court procedures related to bankruptcy filings. This expertise proves invaluable for protection against creditors and during proceedings.


  • Form Preparation Support: Our qualified Montrose bankruptcy attorney assists in accurately and efficiently preparing the necessary forms, minimizing the risk of errors that could hinder your filing.


  • Objectivity: In challenging financial times, having an impartial third party well-versed in the facts is crucial for making decisions about the most suitable debt relief options.



  • Negotiation Skills: Experienced attorneys bring effective negotiation strategies to the table, facilitating better repayment terms or the discharge of debts through negotiations with creditors.
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