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Chapter 7 bankruptcy can…

Solve Your Debt
Problems Today!

Is Chapter 7 Right for You?

Struggling with Debt? Discover How Bankruptcy Can Be Your Lifeline.

Who needs Chapter 7?

  • People with Credit Card Debt
  • People with huge medical bills
  • People with wages being garnished
  • Bank Levies
  • Car being repossessed

How we can help?

  • Denver Bankruptcy Lawyer Consultation: Personalized legal advice for debt solutions.
  • Understanding New Colorado Bankruptcy Laws: Insight into how recent laws affect you.
  • Chapter 7 vs. Chapter 13 Bankruptcy: Clear explanation of different bankruptcy options.

Additional Bankruptcy Information

Schedule a Free Consultation Now

Asset Protection and Exemptions:

  • Maximizing Your Exemptions: How to protect your assets effectively in bankruptcy.
  • Understanding Colorado Bankruptcy Exemptions: Legal insights into state-specific rules.
  • Property Value Assessment: Guidance on evaluating and safeguarding your property.

Role of Bankruptcy Trustees:

  • Trustee’s Role Explained: Understanding their function in the bankruptcy process.
  • Asset Liquidation and Repayment: Insights into how trustees manage non-exempt assets.

Facing financial issues in Denver?

Whether it’s bankruptcy, estate planning, or other legal matters, the Law Office of  Clark Daniel Dray is here to help. Get on the path towards a fresh start and resolve your financial issues today!

Who Can File For Chapter 7 Bankruptcy?

Chapter 7 is open to most individuals and businesses that haven’t filed a previous bankruptcy in the past 6 – 8 years. Unless you fall under one of a few exemptions (current or recent active military service, for example) you must qualify to file under chapter 7 based on your income. The primary test to determine whether or not you qualify for a chapter 7 bankruptcy is to compare your “current monthly income” to the median income for your state. If you make less than the state median you’ll almost always qualify for a chapter 7, but don’t be discouraged if you make more. If so, you have a second opportunity to qualify under the “means test”. An experienced bankruptcy attorney knows the means test inside and out and will help you to get the best result possible. If you still don’t qualify, you can consider filing a chapter 13 bankruptcy which has some benefits not available under chapter 7.


Denver Lawyer Clark Daniel Dray

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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Denver Lawyer Clark Daniel Dray


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