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We’re here to help answer any questions you may have about bankruptcy laws, procedures, and how they apply to individuals and families in Littleton, Colorado. While our blog provides comprehensive information, we understand that sometimes a personal conversation is necessary.
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Frequently Asked Questions (FAQs)
Q: How do I know if bankruptcy is the right choice for me?
A: This is a complex question best answered by a qualified attorney. During our initial consultation, we’ll review your financial situation, discuss your options, and help you understand the potential outcomes of filing for bankruptcy.
Q: What types of debt can be eliminated through bankruptcy?
A: Depending on the type of bankruptcy filed (Chapter 7 or Chapter 13), many unsecured debts such as credit card debt, medical bills, and personal loans can be discharged (legally eliminated). Some types of debt, like student loans, child support, and certain taxes, are generally not dischargeable.
Q: How long does the bankruptcy process take?
A: The timeline varies depending on the type of bankruptcy and your specific circumstances. Generally, a Chapter 7 case can be completed in a few months, while a Chapter 13 case may take several years.
Q: Will filing for bankruptcy affect my credit score?
A: Filing for bankruptcy will undoubtedly have a significant impact on your credit score, but the effect depends on the type of bankruptcy and how responsibly you manage your finances moving forward. While it can stay on your credit report for up to 10 years, responsible behavior can help improve your score over time.
Q: Can I afford the fees associated with hiring a bankruptcy attorney?
A: We offer flexible payment plans to make legal representation more accessible. During our consultation, we’ll discuss our fee structure in detail and work with you to find a solution that fits within your budget.