Boulder bankruptcy, estate planning, and tax resolution lawyer Clark Dray is approachable, understanding, and thorough. During the initial consultation, he will provide you with the information you need to make educated decisions about your legal matter in the most understandable, judgment-free way possible. No legal jargon, no pressure, just unbiased guidance from an experienced attorney.
The Boulder office is conveniently located off Foothills and Pearl Parkways with access from the Boulder Bike Path.
Thank you to Clark and his team for helping me in my case. I know it can be scary but having the right people guide you makes all the difference. They were so professional and addressed every single question I had promptly. I finally have my life back and I couldn’t have done it without Clark and his team. Don’t wait, talk to them now.
Working with Clark Dray and his staff was a great experience. Everyone was so helpful, super accommodating and I always felt I was in good hands. It made a stressful process really streamlined. I’m so grateful to have had this firm representing me.
I called with a probate question as a complete layman. From the gal at the front desk to the lawyer who got on the phone with me and was kind and thorough in a quick 5 min consult, these guys are consummate professionals and it shows. Kindness and professionalism like this are rare these days.
The most common form of bankruptcy is Chapter 7. In a Ch 7 bankruptcy, the vast majority of your debts, including credit cards, broken leases, medical debts, payday loans, and more are wiped out by the Court. It’s a fairly straightforward process, with your debts discharged about 90 days after filing in the majority of cases. Many people tend to be needlessly intimidated by the idea of a bankruptcy, but in the vast majority of cases you never step foot in a courtroom. The biggest mistake most people make related to Chapter 7 bankruptcy is putting it off for too long, suffering collection calls, lawsuits, and even wage garnishments when they could have a fresh start.
Chapter 13 bankruptcy gives you the option to repay a portion of your debts over three to five years. It’s court ordered, so you don’t need to worry about your creditors opting out of the plan like they do in debt consolidation and debt repayment programs. Ch 13 bankruptcy is also an effective tool for paying back taxes, getting caught up on your mortgage payment. It will allow you to make one payment each month to the bankruptcy trustee, who will then distribute the money to your creditors.
Estate Planning doesn’t need to be morbid or intimidating. In fact, most people find that it’s a relief to get the process of planning for the future underway.
The IRS is a debt collection machine. It’s powerful, complicated, and resourceful. Many people simply stop filing tax returns when they realize they’re going to owe, but this only makes the problem worse. Fortunately, the tax code provides for a number of tools to resolve your tax debt such as:
While there are a number of methods for reducing and repaying your tax debt, the trick is in knowing which ones will work for you and how to take advantage of them. Beware of companies which offer to instantly settle debt for pennies on the dollar. It’s never as easy as that. Every tax case requires investigation and care in developing the correct strategy, because mistakes will cost you both time and money. The Law Office of Clark Daniel Dray will work closely with you to determine the best path forward, and then take the lead in negotiating with the IRS on your behalf.
4845 Pearl E Cir #101, Boulder,
CO 80301, United States
Serving Boulder, Longmont, Lafayette, Niwot, Superior, Erie, Boulder County, Weld County and the surrounding area.