Longmont Bankruptcy Lawyer

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Problems with debt and financial uncertainty can impact all aspects of your life, and make for incredible challenges. Fortunately, the U.S. government has recognized that unfortunate things can happen to good people, and so provides the pathways Americans can take when debt has become an insurmountable problem.

If you or someone you love is struggling with debt, bankruptcy might be an option for you to find solid financial ground. The U.S. Bankruptcy Code was created to help honest and unfortunate debtors who through a range of situations, including job loss or unforeseen injuries, have fallen on tough times. Although bankruptcy can enable debtors to better manage their finances and find relief from debt through discharges, the process is not an easy one to navigate without help.

At Jorgensen, Brownell & Pepin, P.C., our bankruptcy lawyers guide clients step-by-step through their debt relief journeys by providing personalized evaluations, exploring their options, and delivering the counsel and representation they need to successfully handle the process.

Discuss your current situation and explore your debt relief options during a FREE consultation. Call {F:P:Site:Phone} to speak with a Longmont bankruptcy attorney.

Why Jorgensen, Brownell & Pepin, P.C.?

  • More than 25 Years of Experience
  • Focus on Personalized Service & Communication
  • Step-by-Step Legal Guidance and Counsel
  • FREE and Confidential Consultations

Debt Relief & Bankruptcy Services

As bankruptcy attorneys, we provide the comprehensive support local men, women, and families need to address their problems with debt, explore all available options, and protect their consumer rights. By focusing on all issues clients face, and providing the assistance and tools required for future success, we help guide clients through their legal journeys and toward a brighter financial future.

We can help with a range of debt and bankruptcy issues, including:

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Foreclosure Defense
  • Repossession / Wage Garnishment
  • Creditor and Debt Collector Harassment

Because debt and adverse financial consequences are symptomatic of larger financial problems, our legal team places an emphasis on addressing clients’ full financial pictures. For example, someone struggling with debt may find that while bankruptcy can help alleviate some concerns, additional efforts may be required to defend against a foreclosure of their home or take legal action when creditors and debt collectors violate their rights under the Fair Debt Collection Practices Act. With a wide breadth of knowledge and experience in bankruptcy and debt relief actions, Jorgensen, Brownell & Pepin, P.C. can create effective solutions that target the full scope of our clients’ problems.

Chapter 7 and Chapter 13 Bankruptcy

When it comes to individual consumer bankruptcy, you will have the option to file under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. Because these two Chapters entail different procedures, and because there are different requirements and resulting effects, it is important to strategically choose the Chapter of bankruptcy that works most appropriate for your particular situation, needs, and goals.

  • Chapter 7 Bankruptcy – Also known as liquidation bankruptcy, Chapter 7 bankruptcy will involve the liquidation of your available assets to be used in payment toward your debts. Following liquidation, remaining unsecured debts can be eliminated through a discharge.
  • Chapter 13 Bankruptcy – Reorganization bankruptcy, as Chapter 13 bankruptcy is also known, entails a lengthier process of restructuring your debts and creating a payment plan that will last three to five years. At the end of the payment plan, any remaining debt you owe on unsecured loans can be discharged. Chapter 13 bankruptcy may be an option for debtors who wish to keep their property, including their home.

While both Chapter 7 and Chapter 13 bankruptcy can halt debt collections actions, such as wage garnishment and repossession, through an automatic stay, they vastly vary in scope and impact. Because each Chapter of bankruptcy has its unique benefits, careful evaluations with a proven lawyer are essential to choosing the right path, maximizing benefits for your unique situation, and achieving your goals.

Take the First Step Toward Financial Freedom

At Jorgensen, Brownell & Pepin, P.C., we strive to provide insightful and compassionate service backed by extensive experience, and we know it can make the difference for clients and families in need. If you have questions about your current financial situation, debt relief options, and how our award-winning attorneys can help you, do not hesitate to take the first step toward financial freedom by reaching out to our firm for help.

Contact us today for a FREE consultation.