{"id":1753,"date":"2023-02-11T06:43:23","date_gmt":"2023-02-11T13:43:23","guid":{"rendered":"https:\/\/abradleygoodman.com\/index.php\/get-debt-relief-now\/?page_id=1753"},"modified":"2026-10-04T16:01:28","modified_gmt":"2026-10-04T22:01:28","slug":"get-debt-relief-now","status":"publish","type":"page","link":"https:\/\/abradleygoodman.com\/?page_id=1753","title":{"rendered":"BANKRUPTCY! DEBT RELIEF NOW! FREE CONSULTATION! LOW FEES! REMARKABLY EASY!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1753\" class=\"elementor elementor-1753\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f614486 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f614486\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b47af3\" data-id=\"6b47af3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-086d63b elementor-widget elementor-widget-heading\" data-id=\"086d63b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COLORADO BANKRUPTCY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4690d33 elementor-widget elementor-widget-heading\" data-id=\"4690d33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">GET DEBT RELIEF NOW!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c5d943 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3c5d943\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/abradleygoodman.com\/?page_id=890\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CLICK TO HAVE AN ATTORNEY CALL YOU BACK<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b01fb5f elementor-widget elementor-widget-image\" data-id=\"b01fb5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"238\" src=\"https:\/\/abradleygoodman.com\/wp-content\/uploads\/2026\/09\/Single-Parent-Facing-Foreclosure.jpg\" class=\"attachment-large size-large wp-image-2778\" alt=\"\" srcset=\"https:\/\/abradleygoodman.com\/wp-content\/uploads\/2026\/09\/Single-Parent-Facing-Foreclosure.jpg 993w, https:\/\/abradleygoodman.com\/wp-content\/uploads\/2026\/09\/Single-Parent-Facing-Foreclosure-300x89.jpg 300w, https:\/\/abradleygoodman.com\/wp-content\/uploads\/2026\/09\/Single-Parent-Facing-Foreclosure-768x229.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c808a82 elementor-widget elementor-widget-image\" data-id=\"c808a82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"364\" height=\"548\" src=\"https:\/\/abradleygoodman.com\/wp-content\/uploads\/2026\/09\/Bankruptcy-Pamphlet-Front-Cover.jpg\" class=\"attachment-large size-large wp-image-2815\" alt=\"\" srcset=\"https:\/\/abradleygoodman.com\/wp-content\/uploads\/2026\/09\/Bankruptcy-Pamphlet-Front-Cover.jpg 364w, https:\/\/abradleygoodman.com\/wp-content\/uploads\/2026\/09\/Bankruptcy-Pamphlet-Front-Cover-199x300.jpg 199w\" sizes=\"(max-width: 364px) 100vw, 364px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c351d05 elementor-widget elementor-widget-text-editor\" data-id=\"c351d05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<hr \/><h1 class=\"western\" align=\"center\"><strong><b>EVERYTHING YOU NEED TO KNOW ABOUT BANKRUPTCY IN COLORADO<\/b><\/strong><\/h1><p class=\"western\" align=\"center\">Copyright (c) 2026 by A. Bradley Goodman, Attorney at Law<\/p><hr \/><p align=\"left\">Bankruptcy can provide relief from overwhelming debt, creditor collection efforts, wage garnishments, and other financial pressures. This guide explains how Chapter 7 and Chapter 13 bankruptcy work in Colorado, what debts may be discharged, what property you may be able to keep, and what to expect during the bankruptcy process.<\/p><h2 class=\"western\" align=\"left\"><strong><b>Table of Contents<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">I. <span style=\"color: #000080;\"><u><a href=\"#why-declare-bankruptcy\" target=\"_blank\" rel=\"noopener\">Why Should I Declare Bankruptcy?<\/a><\/u><\/span><br \/>II. <span style=\"color: #000080;\"><u><a href=\"#discharge\" target=\"_blank\" rel=\"noopener\">What Is a Discharge in Bankruptcy?<\/a><\/u><\/span><br \/>III. <span style=\"color: #000080;\"><u><a href=\"#get-discharge\" target=\"_blank\" rel=\"noopener\">How Do I Get My Discharge?<\/a><\/u><\/span><br \/>IV. <span style=\"color: #000080;\"><u><a href=\"#debts-discharged\" target=\"_blank\" rel=\"noopener\">Are All of My Debts Discharged or Only Some?<\/a><\/u><\/span><br \/>V. <span style=\"color: #000080;\"><u><a href=\"#right-to-discharge\" target=\"_blank\" rel=\"noopener\">Do I Have the Right to a Discharge or Can Creditors Object?<\/a><\/u><\/span><br \/>VI. <span style=\"color: #000080;\"><u><a href=\"#second-discharge\" target=\"_blank\" rel=\"noopener\">Can I Receive a Second Discharge in a Later Chapter 7 Case?<\/a><\/u><\/span><br \/>VII. <span style=\"color: #000080;\"><u><a href=\"#revoke-discharge\" target=\"_blank\" rel=\"noopener\">Can the Discharge Be Revoked?<\/a><\/u><\/span><br \/>VIII. <span style=\"color: #000080;\"><u><a href=\"#pay-discharged-debt\" target=\"_blank\" rel=\"noopener\">May I Pay a Discharged Debt After the Bankruptcy Case Has Been Concluded?<\/a><\/u><\/span><br \/>IX. <span style=\"color: #000080;\"><u><a href=\"#creditor-collect-discharged-debt\" target=\"_blank\" rel=\"noopener\">What Can I Do If a Creditor Attempts to Collect a Discharged Debt After the Case Is Concluded?<\/a><\/u><\/span><br \/>X. <span style=\"color: #000080;\"><u><a href=\"#employer-terminate\" target=\"_blank\" rel=\"noopener\">Can My Employer Terminate Employment Solely Because I Failed to Repay a Debt?<\/a><\/u><\/span><br \/>XI. <span style=\"color: #000080;\"><u><a href=\"#chapter-7-background\" target=\"_blank\" rel=\"noopener\">Background Information \u2013 Chapter 7<\/a><\/u><\/span><br \/>XII. <span style=\"color: #000080;\"><u><a href=\"#how-chapter-7-works\" target=\"_blank\" rel=\"noopener\">How Chapter 7 Works<\/a><\/u><\/span><br \/>XIII. <span style=\"color: #000080;\"><u><a href=\"#after-filing\" target=\"_blank\" rel=\"noopener\">What Happens After Filing?<\/a><\/u><\/span><br \/>XIV. <span style=\"color: #000080;\"><u><a href=\"#exemptions\" target=\"_blank\" rel=\"noopener\">To What Exemptions Am I Entitled?<\/a><\/u><\/span><br \/>XV. <span style=\"color: #000080;\"><u><a href=\"#attend-hearing\" target=\"_blank\" rel=\"noopener\">Do I Need to Attend a Hearing?<\/a><\/u><\/span><br \/>XVI. <span style=\"color: #000080;\"><u><a href=\"#role-trustee\" target=\"_blank\" rel=\"noopener\">What Is the Role of the Case Trustee?<\/a><\/u><\/span><br \/>XVII. <span style=\"color: #000080;\"><u><a href=\"#bankruptcy-discharge\" target=\"_blank\" rel=\"noopener\">What Is a Bankruptcy Discharge?<\/a><\/u><\/span><br \/>XVIII. <span style=\"color: #000080;\"><u><a href=\"#dealing-attorney\" target=\"_blank\" rel=\"noopener\">Dealing with Your Attorney<\/a><\/u><\/span><br \/>XIX. <span style=\"color: #000080;\"><u><a href=\"#liens\" target=\"_blank\" rel=\"noopener\">Liens<\/a><\/u><\/span><br \/>XX. <span style=\"color: #000080;\"><u><a href=\"#bank-account-exempt\" target=\"_blank\" rel=\"noopener\">Is the Money in My Bank Account Exempt?<\/a><\/u><\/span><br \/>XXI. <span style=\"color: #000080;\"><u><a href=\"#tax-refund\" target=\"_blank\" rel=\"noopener\">Can I Keep My Tax Refund This Year?<\/a><\/u><\/span><br \/>XXII. <span style=\"color: #000080;\"><u><a href=\"#discharging-tax-debts\" target=\"_blank\" rel=\"noopener\">Discharging Tax Debts<\/a><\/u><\/span><br \/>XXIII. <span style=\"color: #000080;\"><u><a href=\"#bills-withdrawals\" target=\"_blank\" rel=\"noopener\">Will I Continue to Get Bills or Auto Bank Withdrawals on Items I Intend to Retain?<\/a><\/u><\/span><br \/>XXIV. <span style=\"color: #000080;\"><u><a href=\"#purchase-money-security\" target=\"_blank\" rel=\"noopener\">Purchase Money Security Interests<\/a><\/u><\/span><br \/>XXV. <span style=\"color: #000080;\"><u><a href=\"#creditors-meeting\" target=\"_blank\" rel=\"noopener\">The Creditor\u2019s Meeting<\/a><\/u><\/span><\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>I. Why Should I Declare Bankruptcy?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">Bankruptcy is not something to take lightly, but if you\u2019re drowning in debt and see no way out, it can be a lifeline. Most people file bankruptcy because they\u2019re overwhelmed by bills, creditor calls, or legal actions like wage garnishment or foreclosure. Bankruptcy can stop these actions and give you a fresh start.<\/p><p class=\"western\" align=\"left\">There are two main types of bankruptcy for individuals: <strong>Chapter 7<\/strong> and <strong>Chapter 13<\/strong>.<\/p><ul><li><p class=\"western\" align=\"left\"><strong>Chapter 7<\/strong> is called a &#8220;liquidation&#8221; bankruptcy. It wipes out most unsecured debts (like credit cards and medical bills) in exchange for giving up non-exempt property. Most people keep all their belongings because Colorado\u2019s exemption laws protect essential assets like your home, car, and personal items.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Chapter 13<\/strong> is a &#8220;repayment plan&#8221; bankruptcy. It lets you keep your property while paying back some or all of your debts over 3 to 5 years. This is useful if you have assets that exceed Colorado\u2019s exemption limits or if you need to catch up on missed mortgage or car payments.<\/p><\/li><\/ul><p class=\"western\" align=\"left\"><strong>Which one is right for you?<\/strong> It depends on your income, assets, and the types of debt you have. A bankruptcy attorney can help you decide.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>II. What Is a Discharge in Bankruptcy?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">A <strong>discharge<\/strong> is a court order that wipes out your legal obligation to pay certain debts. Once you receive a discharge, creditors can no longer try to collect those debts from you. This means no more calls, letters, or lawsuits for discharged debts.<\/p><p class=\"western\" align=\"left\"><strong>Important Note:<\/strong> A discharge does <strong>not<\/strong> eliminate liens on property. For example, if you have a mortgage or car loan, the lender can still repossess the property if you don\u2019t pay, even after bankruptcy.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>III. How Do I Get My Discharge?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">In most cases, you\u2019ll automatically receive a discharge if no one objects. Here\u2019s how it works:<\/p><ul><li><p class=\"western\" align=\"left\"><strong>Chapter 7:<\/strong> You\u2019ll usually get your discharge about <strong>4 to 5 months<\/strong> after filing, assuming no complications.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Chapter 13:<\/strong> You\u2019ll get your discharge after completing all payments under your repayment plan, which typically takes <strong>3 to 5 years<\/strong>.<\/p><\/li><\/ul><p class=\"western\" align=\"left\">The court will mail you a copy of the discharge order. This document is proof that your debts have been wiped out.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>IV. Are All of My Debts Discharged or Only Some?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\"><strong>Not all debts can be wiped out in bankruptcy.<\/strong> Here are the most common types of debts that <strong>cannot<\/strong> be discharged:<\/p><ul><li><p class=\"western\" align=\"left\">Child support and alimony<\/p><\/li><li><p class=\"western\" align=\"left\">Most student loans<\/p><\/li><li><p class=\"western\" align=\"left\">Recent tax debts (usually less than 3 years old)<\/p><\/li><li><p class=\"western\" align=\"left\">Debts for personal injuries caused while driving under the influence<\/p><\/li><li><p class=\"western\" align=\"left\">Fines or penalties owed to government agencies<\/p><\/li><li><p class=\"western\" align=\"left\">Debts you forgot to list in your bankruptcy papers<\/p><\/li><li><p class=\"western\" align=\"left\">Debts for fraud or willful injury to someone else<\/p><\/li><\/ul><p class=\"western\" align=\"left\"><strong>Chapter 13<\/strong> allows for a broader discharge than Chapter 7, but some debts (like student loans and child support) still can\u2019t be wiped out.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>V. Do I Have the Right to a Discharge or Can Creditors Object?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">In <strong>Chapter 7<\/strong>, creditors or the bankruptcy trustee can object to your discharge if they believe you\u2019ve committed fraud, hidden assets, or lied on your bankruptcy forms. This is rare, but if it happens, you may need to defend yourself in court. It is not covered by the fee charged for a \u201csimple\u201d Chapter 7 bankruptcy.<\/p><p class=\"western\" align=\"left\">In <strong>Chapter 13<\/strong>, you\u2019re entitled to a discharge as long as you complete your repayment plan. Creditors can object to your plan, but not to the discharge itself.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>VI. Can I Receive a Second Discharge in a Later Chapter 7 Case?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">Generally, you can\u2019t get another discharge after filing Chapter 7 again if you received a discharge in a previous Chapter 7 or Chapter 11 case within the past <strong>8 years<\/strong>. If you filed Chapter 13, you must wait <strong>6 years<\/strong> before you can get another Chapter 7 discharge, unless you paid back all your unsecured debts in the Chapter 13 case.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>VII. Can the Discharge Be Revoked?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">A discharge can be revoked if the court finds that you committed fraud, hid assets, or failed to disclose important information. This usually must be requested within <strong>1 year<\/strong> of the discharge.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>VIII. May I Pay a Discharged Debt After the Bankruptcy Case Has Been Concluded?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">Yes! Bankruptcy wipes out your <strong>legal obligation<\/strong> to pay, but you can still choose to repay a debt if you want to.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>IX. What Can I Do If a Creditor Attempts to Collect a Discharged Debt After the Case Is Concluded?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">If a creditor tries to collect a discharged debt, first <strong>contact them<\/strong> and remind them of your bankruptcy discharge. If they continue, send them a copy of your discharge order by certified mail. If they still don\u2019t stop, your attorney can ask the court to hold them in contempt of court. This may result in fines or other penalties.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>X. Can My Employer Terminate Employment Solely Because I Failed to Repay a Debt?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\"><strong>No.<\/strong> Federal law prohibits employers from firing you just because you filed for bankruptcy. However, private employers can still consider your credit history when making hiring decisions.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XI. Background Information \u2013 Chapter 7<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">Chapter 7 is designed to give honest debtors a <strong>fresh start<\/strong> by wiping out unsecured debts. In exchange, you may have to give up some non-exempt property, which the bankruptcy trustee will sell to pay your creditors. Most people keep all their property because Colorado\u2019s exemption laws protect essential assets.<\/p><p class=\"western\" align=\"left\"><strong>Who can file?<\/strong><\/p><ul><li><p class=\"western\" align=\"left\">Individuals, married couples, businesses, and partnerships.<\/p><\/li><li><p class=\"western\" align=\"left\">You must pass a <strong>means test<\/strong> to qualify, which compares your income to Colorado\u2019s median income.<\/p><\/li><\/ul><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XII. How Chapter 7 Works<\/b><\/strong><\/h2><ol><li><p class=\"western\" align=\"left\"><strong>File a Petition:<\/strong> You (or your attorney) file a petition with the bankruptcy court, along with schedules listing your debts, assets, income, and expenses.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Automatic Stay:<\/strong> Filing triggers an <strong>automatic stay<\/strong>, which stops creditors from calling, suing, or garnishing your wages.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Trustee Review:<\/strong> A bankruptcy trustee reviews your case to determine if you have any non-exempt assets to sell.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>341 Meeting:<\/strong> You attend a short hearing (usually by Zoom) where the trustee and creditors can ask you questions about your finances.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Discharge:<\/strong> If no one objects, you\u2019ll receive your discharge in about <strong>4 to 5 months<\/strong>.<\/p><\/li><\/ol><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XIII. What Happens After Filing?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">Once you file, the <strong>automatic stay<\/strong> goes into effect immediately. This means:<\/p><ul><li><p class=\"western\" align=\"left\">Creditors <strong>must stop<\/strong> calling, suing, or garnishing your wages.<\/p><\/li><li><p class=\"western\" align=\"left\">Foreclosures and repossessions are <strong>temporarily halted<\/strong>.<\/p><\/li><li><p class=\"western\" align=\"left\">You\u2019ll receive a notice with the date of your <strong>341 Meeting of Creditors<\/strong> (usually 4 to 6 weeks after filing).<\/p><\/li><\/ul><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XIV. To What Exemptions Am I Entitled?<\/b><\/strong> &amp;nbsp;<\/h2><p class=\"western\" align=\"left\">Colorado law allows you to keep certain property by claiming <strong>exemptions<\/strong>. Here are the most important exemptions as of 2026:<\/p><table width=\"499\" cellspacing=\"0\" cellpadding=\"2\"><tbody><tr><th width=\"147\"><p class=\"western\"><strong><b>Type of Property<\/b><\/strong><\/p><\/th><th width=\"344\"><p class=\"western\"><strong><b>Exemption Amount<\/b><\/strong><\/p><\/th><\/tr><tr><td width=\"147\"><p class=\"western\" align=\"left\"><strong>Homestead (Primary Home)<\/strong><\/p><\/td><td width=\"344\"><p class=\"western\" align=\"left\">$250,000 (or $350,000 if you\u2019re 60+ or disabled)<\/p><\/td><\/tr><tr><td width=\"147\"><p class=\"western\" align=\"left\"><strong>Vehicle(s)<\/strong><\/p><\/td><td width=\"344\"><p class=\"western\" align=\"left\">Up to $15,000 in equity per vehicle (up to 2 vehicles)<\/p><\/td><\/tr><tr><td width=\"147\"><p class=\"western\" align=\"left\"><strong>Household Goods<\/strong><\/p><\/td><td width=\"344\"><p class=\"western\" align=\"left\">$6,000 total (e.g., furniture, appliances, clothing)<\/p><\/td><\/tr><tr><td width=\"147\"><p class=\"western\" align=\"left\"><strong>Jewelry<\/strong><\/p><\/td><td width=\"344\"><p class=\"western\" align=\"left\">$2,500<\/p><\/td><\/tr><tr><td width=\"147\"><p class=\"western\" align=\"left\"><strong>Tools of the Trade<\/strong><\/p><\/td><td width=\"344\"><p class=\"western\" align=\"left\">$60,000 (for tools, equipment, and inventory used in your occupation)<\/p><\/td><\/tr><tr><td width=\"147\"><p class=\"western\" align=\"left\"><strong>Bank Accounts<\/strong><\/p><\/td><td width=\"344\"><p class=\"western\" align=\"left\">$2,500<\/p><\/td><\/tr><tr><td width=\"147\"><p class=\"western\" align=\"left\"><strong>Retirement Accounts<\/strong><\/p><\/td><td width=\"344\"><p class=\"western\" align=\"left\">Fully exempt (IRAs, 401(k)s, pensions)<\/p><\/td><\/tr><tr><td width=\"147\"><p class=\"western\" align=\"left\"><strong>Public Benefits<\/strong><\/p><\/td><td width=\"344\"><p class=\"western\" align=\"left\">Fully exempt (Social Security, unemployment, veterans\u2019 benefits, public assistance)<\/p><\/td><\/tr><\/tbody><\/table><p class=\"western\" align=\"left\"><strong>Note:<\/strong> These amounts are per person. If you\u2019re married and filing jointly, you can often double these exemptions.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XV. Do I Need to Attend a Hearing?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\"><strong>Yes.<\/strong> You must attend a <strong>341 Meeting of Creditors<\/strong>, usually held about <strong>4 to 6 weeks<\/strong> after you file. This meeting is conducted by the bankruptcy trustee, who will ask you questions under oath about your finances. Creditors can attend but rarely do.<\/p><p class=\"western\" align=\"left\"><strong>Since the COVID-19 pandemic<\/strong>, these meetings are usually held <strong>online via Zoom<\/strong>. You\u2019ll need:<\/p><ul><li><p class=\"western\" align=\"left\">A government-issued ID (driver\u2019s license or passport)<\/p><\/li><li><p class=\"western\" align=\"left\">Your Social Security card<\/p><\/li><li><p class=\"western\" align=\"left\">Proof of income (pay stubs, tax returns)<\/p><\/li><\/ul><p class=\"western\" align=\"left\"><strong>Do not miss this meeting!<\/strong> If you don\u2019t attend, your case could be dismissed. At the very least, you will be required to pay additional fees to reschedule a new hearing.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XVI. What Is the Role of the Case Trustee?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">The <strong>bankruptcy trustee<\/strong> is a court-appointed official who oversees your case. Their job is to:<\/p><ol><li><p class=\"western\" align=\"left\">Review your bankruptcy forms for accuracy.<\/p><\/li><li><p class=\"western\" align=\"left\">Identify and sell any non-exempt property to pay your creditors.<\/p><\/li><li><p class=\"western\" align=\"left\">Conduct the <strong>341 Meeting<\/strong> and ask you questions under oath.<\/p><\/li><li><p class=\"western\" align=\"left\">In <strong>Chapter 13<\/strong>, review and administer your repayment plan.<\/p><\/li><\/ol><p class=\"western\" align=\"left\">Most Chapter 7 cases are <strong>&#8220;no-asset&#8221; cases<\/strong>, meaning you don\u2019t have any non-exempt property for the trustee to sell.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XVII. What Is a Bankruptcy Discharge?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">A <strong>discharge<\/strong> is a court order that permanently wipes out your legal obligation to pay certain debts. Once discharged, creditors can no longer try to collect those debts from you.<\/p><p class=\"western\" align=\"left\"><strong>What debts are wiped out?<\/strong><\/p><ul><li><p class=\"western\" align=\"left\">Credit card debt<\/p><\/li><li><p class=\"western\" align=\"left\">Medical bills<\/p><\/li><li><p class=\"western\" align=\"left\">Personal loans<\/p><\/li><li><p class=\"western\" align=\"left\">Utility bills<\/p><\/li><li><p class=\"western\" align=\"left\">Most other unsecured debts<\/p><\/li><\/ul><p class=\"western\" align=\"left\"><strong>What debts are NOT wiped out?<\/strong><\/p><ul><li><p class=\"western\" align=\"left\">Child support and alimony<\/p><\/li><li><p class=\"western\" align=\"left\">Most student loans<\/p><\/li><li><p class=\"western\" align=\"left\">Recent tax debts<\/p><\/li><li><p class=\"western\" align=\"left\">Debts for fraud or willful injury<\/p><\/li><\/ul><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XVIII. Dealing with Your Attorney<\/b><\/strong><\/h2><h3 class=\"western\" align=\"left\"><strong><b>A. Paying Attorney\u2019s Fees<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">Bankruptcy attorneys charge fees for their services. While it may seem ironic to pay for help when you\u2019re broke, think of it as an investment: paying $1,200 to wipe out $50,000 in debt, for example, is a <strong>fantastic return on investment.<\/strong><\/p><p class=\"western\" align=\"left\"><strong>How to pay:<\/strong><\/p><ul><li><p class=\"western\" align=\"left\">Cash, money order or cashier\u2019s check<\/p><\/li><li><p class=\"western\" align=\"left\">Bank transfers (Zelle, PayPal BUT DO NOT USE YOUR CREDIT CARD, even inside Paypal. If you use a credit card, you may be accused of bankruptcy fraud)<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Mr. Goodman does not accept credit cards or personal checks in bankruptcy cases<\/strong> (to avoid fraud risks)<\/p><\/li><\/ul><h3 class=\"western\" align=\"left\"><strong><b>B. Phone Calls<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">Attorneys can\u2019t take endless calls, but it is understandable that you will want to make a few calls. This office allows 4 free calls (up to 10 minutes) during the course of your case. After that, you may be charged a fee (e.g., $25 per 10 minute call). Call only about legal matters. Don\u2019t call to talk about boyfriends, neighbors you don\u2019t particularly like, etc. If you have a new legal matter to discuss, such as an auto accident or worker\u2019s compensation case, there is never any charge to talk about the new legal case.<\/p><h3 class=\"western\" align=\"left\"><strong><b>C. Dress for Court<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">Even though hearings are now online, <strong>dress neatly. <\/strong>Act as if you\u2019re going to church or a job interview.<\/p><h3 class=\"western\" align=\"left\"><strong><b>D. Changes and Amendments<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">If you forget to list a creditor or need to change something, your attorney will have to file an <strong>amendment to add them<\/strong>. This costs extra. Both your attorney AND the court will charge you extra attorney\u2019s fees and filing fees, respectively, because it involves extra work. So, please, <strong>double-check your paperwork<\/strong> before filing! That said, if you omitted a significant creditor, it is worth it to amend you petition to include that creditor.<\/p><h3 class=\"western\" align=\"left\"><strong><b>E. The 341 Hearing<\/b><\/strong><\/h3><p class=\"western\" align=\"left\"><strong>Don\u2019t miss it!<\/strong> If you do, your case could be dismissed.<\/p><h3 class=\"western\" align=\"left\"><strong><b>F. Foreclosure &amp; Repossession<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">Bankruptcy can <strong>delay<\/strong> foreclosure or repossession, but it won\u2019t stop it permanently unless you catch up on payments. It is impossible to determine how long you will have, so expect a worst case scenario, and a minimum amount of time. Make alternate arrangements immediately.<\/p><h3 class=\"western\" align=\"left\"><strong><b>G. Eviction<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">Bankruptcy can <strong>temporarily stop<\/strong> eviction, but you\u2019ll still need to pay rent or move out.<\/p><h3 class=\"western\" align=\"left\"><strong><b>H. Forgetting to List a Creditor<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">If you forget a creditor, <strong>tell your attorney immediately<\/strong>. If the creditor isn\u2019t notified, that debt <strong>won\u2019t be discharged<\/strong>.<\/p><h3 class=\"western\" align=\"left\"><strong><b>I. Creditors Acquired After Filing<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">You <strong>can\u2019t<\/strong> discharge debts for creditors you borrowed from <strong>after<\/strong> filing bankruptcy.<\/p><h3 class=\"western\" align=\"left\"><strong><b>J. Reaffirmation Agreements<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">A <strong>reaffirmation agreement<\/strong> means you agree to keep paying a debt (like a car loan) after bankruptcy. <strong>Be cautious!<\/strong> If you can\u2019t pay later, the creditor can repossess the property <strong>and<\/strong> sue you for the balance.<\/p><h3 class=\"western\" align=\"left\"><strong><b>K. How Do I Find a Lawyer?<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">Look for someone <strong>honest, reliable, and experienced<\/strong> in bankruptcy. Avoid anyone who promises to help you hide assets or cut corners\u2014this can get you in serious trouble!<\/p><h3 class=\"western\" align=\"left\"><strong><b>L. How Much Do You Charge for a Bankruptcy?<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">Fees vary, but most attorneys offer <strong>flat rates<\/strong> for simple Chapter 7 cases. Always ask for a written fee agreement. Our fees are listed on the website: <span style=\"color: #000080;\"><u><a href=\"https:\/\/abgoodmanlawfirm.com\/fees\">https:\/\/abgoodmanlawfirm.com\/fees<\/a><\/u><\/span><\/p><h3 class=\"western\" align=\"left\"><strong><b>M. Do You Take Credit Cards or Personal Checks?<\/b><\/strong><\/h3><p class=\"western\" align=\"left\"><strong>No.<\/strong> Payment must be in cash, money order, or bank transfer.<\/p><h3 class=\"western\" align=\"left\"><strong><b>N. Can I Make Payments?<\/b><\/strong><\/h3><p class=\"western\" align=\"left\">Most attorneys require <strong>full payment upfront<\/strong>, but some may allow a payment plan if you pay a deposit (e.g., $400) first.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XIX. Liens<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">A <strong>lien<\/strong> is a legal claim on your property by a creditor. Common examples:<\/p><ul><li><p class=\"western\" align=\"left\"><strong>Mortgages<\/strong> (on your home)<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Car loans<\/strong> (on your vehicle)<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Judgment liens<\/strong> (from lawsuits)<\/p><\/li><\/ul><p class=\"western\" align=\"left\"><strong>Can liens be removed in bankruptcy?<\/strong><\/p><ul><li><p class=\"western\" align=\"left\"><strong>Purchase money liens<\/strong> (like mortgages or car loans) <strong>cannot<\/strong> be removed.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Judgment liens<\/strong> on your home <strong>can sometimes be removed<\/strong> if they impair your homestead exemption.<\/p><\/li><\/ul><p class=\"western\" align=\"left\"><strong>Example:<\/strong> If your home is worth $400,000 and you owe $300,000 on the mortgage, your equity is $100,000. If a creditor has a $20,000 judgment lien, your attorney can ask the court to <strong>remove it<\/strong> because it cuts into your $250,000 homestead exemption. To do this, the attorney will need to file a \u201cmotion to avoid lien,\u201d which is a separate unique proceeding inside your bankruptcy case. This is not part of a \u201csimple\u201d bankruptcy. Extra fees must be paid.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XX. Is the Money in My Bank Account Exempt?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\"><strong>Up to $2,500<\/strong> in your bank account is exempt. However, if you have more, the trustee may take the excess to pay creditors.<\/p><p class=\"western\" align=\"left\"><strong>Tip:<\/strong> Before filing, spend down your bank account on <strong>necessities<\/strong> (food, medicine, rent) and keep the receipts to prove that your spending was on such items and was not frivolous.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XXI. Can I Keep My Tax Refund This Year?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\"><strong>Probably not.<\/strong> The bankruptcy trustee will likely take your tax refund if you file early in the year. If you receive a refund <strong>after<\/strong> filing, <strong>do not spend it<\/strong>\u2014you may have to turn it over to the trustee.<\/p><p class=\"western\" align=\"left\"><strong>Exception:<\/strong> If your refund is from the <strong>Earned Income Tax Credit<\/strong>, it may be protected.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XXII. Discharging Tax Debts<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">Most tax debts <strong>cannot<\/strong> be discharged, but there are exceptions:<\/p><ol><li><p class=\"western\" align=\"left\">The tax return was due <strong>at least 3 years ago<\/strong>.<\/p><\/li><li><p class=\"western\" align=\"left\">You filed the return <strong>at least 2 years ago<\/strong>.<\/p><\/li><li><p class=\"western\" align=\"left\">The IRS assessed the tax <strong>at least 240 days before you filed<\/strong>.<\/p><\/li><li><p class=\"western\" align=\"left\">You didn\u2019t commit fraud or tax evasion.<\/p><\/li><\/ol><p class=\"western\" align=\"left\"><strong>Penalties<\/strong> may be dischargeable if they\u2019re <strong>punitive<\/strong> (not tied to actual tax owed).<\/p><p class=\"western\" align=\"left\"><strong>Note:<\/strong> Employment taxes (like payroll taxes) <strong>can never<\/strong> be discharged.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XXIII. Will I Continue to Get Bills or Auto Bank Withdrawals on Items I Intend to Retain?<\/b><\/strong><\/h2><p class=\"western\" align=\"left\"><strong>No.<\/strong> After filing, creditors must <strong>stop<\/strong> sending bills or making automatic withdrawals. However, if you want to keep the property (like a car), you <strong>must keep paying<\/strong>\u2014even without reminders.<\/p><p class=\"western\" align=\"left\"><strong>Tip:<\/strong> Set up calendar reminders for payments!<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XXIV. Purchase Money Security Interests<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">If you bought something (like a car or furniture) on credit, the seller may have a <strong>purchase money security interest<\/strong> (PMSI). This means they can repossess the item if you don\u2019t pay, <strong>even after bankruptcy<\/strong>.<\/p><p class=\"western\" align=\"left\"><strong>Example:<\/strong> If you financed a couch through a store credit plan, the store can repossess it if you stop paying\u2014unless you <strong>reaffirm<\/strong> the debt (which we usually don\u2019t recommend).<\/p><p class=\"western\" align=\"left\">Many car loan companies will allow you to keep the car even after you reject their request for a reaffirmation agreement, so long as your payments are current. But some will not. For example, Ford Motor Credit often insists on repossession unless you sign a reaffirmation agreement. Again, we advise against signing one because it defeats the purpose of your bankruptcy filing.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>XXV. The Creditor\u2019s Meeting<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">This is the <strong>341 Meeting<\/strong>, a short hearing where the trustee asks you questions under oath. You\u2019ll need:<\/p><ul><li><p class=\"western\" align=\"left\"><strong>Government-issued ID<\/strong> (driver\u2019s license or passport)<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Social Security card<\/strong><\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Proof of income<\/strong> (pay stubs, tax returns)<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Bank statements<\/strong><\/p><\/li><\/ul><p class=\"western\" align=\"left\"><strong>Creditors rarely attend<\/strong>, but if they do, they can ask about your finances.<\/p><p class=\"western\" align=\"left\"><strong>Since COVID-19<\/strong>, these meetings have been\u00a0 held <strong>online via Zoom<\/strong>.<\/p><hr \/><h2 class=\"western\" align=\"left\"><strong><b>Footnotes<\/b><\/strong><\/h2><ol><li><p class=\"western\" align=\"left\"><strong>Discharge in Bankruptcy:<\/strong> 11 U.S.C. \u00a7 727 (Chapter 7); 11 U.S.C. \u00a7 1328 (Chapter 13).<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Non-Dischargeable Debts:<\/strong> 11 U.S.C. \u00a7 523(a).<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Homestead Exemption:<\/strong> Colo. Rev. Stat. \u00a7 13-54-102(1)(a) (2026).<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Vehicle Exemption:<\/strong> Colo. Rev. Stat. \u00a7 13-54-102(1)(e) (2026).<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Household Goods Exemption:<\/strong> Colo. Rev. Stat. \u00a7 13-54-102(1)(d) (2026).<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Automatic Stay:<\/strong> 11 U.S.C. \u00a7 362.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>341 Meeting:<\/strong> 11 U.S.C. \u00a7 341.<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Reaffirmation Agreements:<\/strong> 11 U.S.C. \u00a7 524(c).<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Tax Debt Discharge:<\/strong> 11 U.S.C. \u00a7 523(a)(1).<\/p><\/li><li><p class=\"western\" align=\"left\"><strong>Lien Avoidance:<\/strong> 11 U.S.C. \u00a7 522(f).<\/p><\/li><\/ol><hr \/><h2 class=\"western\" align=\"left\"><strong><b>Disclaimer<\/b><\/strong><\/h2><p class=\"western\" align=\"left\">This pamphlet is for general <strong>informational purposes only<\/strong> and does <strong>not<\/strong> constitute legal advice. Bankruptcy laws are complex and change frequently. The information contained here may be out-of-date or inapplicable to your particular case. For advice tailored to your situation, <strong>consult a licensed attorney<\/strong>.<\/p><p class=\"western\" align=\"center\"><strong>A. Bradley Goodman, Attorney at Law<\/strong><br \/><span style=\"color: #000080;\"><u><a href=\"http:\/\/www.abradleygoodman.com\/\" target=\"_blank\" rel=\"noopener\">www.abgoodmanlawfirm.com<\/a><\/u><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a6c454f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6c454f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60c2085\" data-id=\"60c2085\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dce575c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"dce575c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/abradleygoodman.com\/get-debt-relief-now\/?page_id=890\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CLICK TO HAVE AN ATTORNEY CALL YOU BACK<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93884c5 elementor-widget elementor-widget-text-editor\" data-id=\"93884c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 style=\"text-align: center;\">About the Attorney<\/h3>\n<h6>A. Bradley Goodman, Esq. graduated from UCLA Law School in 1984 with a Juris Doctor of Law and was first licensed as an attorney in 1985 after passing the bar examination on the first try. Ever since then, he has used all the tools of the law to help people successfully navigate and obtain justice from the American legal system.<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bac5f93 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bac5f93\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c123ea1\" data-id=\"c123ea1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-377d9c0 elementor-widget elementor-widget-text-editor\" data-id=\"377d9c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>This web site has been created by a lawyer who, with respect to the bankruptcy portion of his law practice, is acting as a &#8220;debt relief agency&#8221;, as defined by the US Code, by helping people file for bankruptcy under the bankruptcy code. The site is protected by copyright law. No information may be copied or duplicated without the express consent of the owner. It is designed to provide general information only, some or all of which may not apply to the particular situation of a potential client. The information, therefore, is NOT legal advice and should not be relied on. To obtain legal advice, potential clients must schedule a consultation.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-97c2d1d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"97c2d1d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f9b47b8\" data-id=\"f9b47b8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>COLORADO BANKRUPTCY GET DEBT RELIEF NOW! CLICK TO HAVE AN ATTORNEY CALL YOU BACK EVERYTHING YOU NEED TO KNOW ABOUT BANKRUPTCY IN COLORADO Copyright (c) 2026 by A. Bradley Goodman, Attorney at Law Bankruptcy can provide relief from overwhelming debt, creditor collection efforts, wage garnishments, and other financial pressures. This guide explains how Chapter 7 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Colorado Bankruptcy Lawyer | A. Bradley Goodman","_seopress_titles_desc":"Learn how bankruptcy works in Colorado. Chapter 7, Chapter 13, exemptions, debt discharge, and the bankruptcy process. Consult a bankruptcy lawyer FREE.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-1753","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/abradleygoodman.com\/index.php?rest_route=\/wp\/v2\/pages\/1753","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abradleygoodman.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/abradleygoodman.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/abradleygoodman.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/abradleygoodman.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1753"}],"version-history":[{"count":6,"href":"https:\/\/abradleygoodman.com\/index.php?rest_route=\/wp\/v2\/pages\/1753\/revisions"}],"predecessor-version":[{"id":2847,"href":"https:\/\/abradleygoodman.com\/index.php?rest_route=\/wp\/v2\/pages\/1753\/revisions\/2847"}],"wp:attachment":[{"href":"https:\/\/abradleygoodman.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}