Consumer Law Pro - Denver, Colorado 80014

 Consumer Law Pro Contact Details »

90 Madison St. #102 , Denver , Colorado 80014









Transport Links:
(train, bus, motorway & major roads)
W 29th Ave & Clay St - 495 feet north west

 Information About Consumer Law Pro »

Full attorney representation for consumers filing under chapter 7 and chapter 13 of the bankruptcy code. We have officesin Aurora and Denver, Colorado. We provide quality representation at a fraction of the cost of other bankruptcy lawyers. Call for a free bankruptcy consultation. 

Full representation in chapter 7 bankruptcy starting at $600.00. We believe bankruptcy protection should be affordable to those who need it the most. We provide the best value in bankruptcy protection

Colorado Bankruptcy Attorney, Colorado Bankruptcy lawyer, Denver Bankruptcy Attorney, Denver Bankruptcy Lawyer Fort Collins Bankruptcy lawyer, Boulder Bankruptcy lawyer, Denver Consumer Bankruptcy lawyer, Chapter 7 bankruptcy lawyer Denver, Chapter 13 bankruptcy lawyer Denver, Chapter 11 bankruptcy lawyer Denver.

Consumer Law Pro is located in the Denver area of Colorado. There are at least 20 other listings in the 80014 postcode area.

Lawyers in Colorado 80014

Number of Employees: 3

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 Services Offered / Area of Specialization »

 Twitter Feed »

Top 5 Credit Score Myths: 1. Paying Bills on Time Will Improve My Score That's definitely a good start...
Thu Oct 27 03:37:39 +0000 2016
Should I File Chapter 7 or 13 Bankruptcy: In most cases, it makes sense to file under cha...
Wed Jul 06 21:18:55 +0000 2016
Paying back friends or family before filing bankruptcy: If there is a chance you may need...
Thu Jun 30 18:28:16 +0000 2016
US Senators introduce bill to help rebuild credit after bankruptcy: Several US Senators i...
Thu Jul 16 16:54:21 +0000 2015
Should I File Bankruptcy if the Statute of Limitations has Passed?: The statute of limita...
Tue Apr 21 18:37:40 +0000 2015
Can I still file bankruptcy during the government shut-down? : Will the Government Shut-d...
Tue Oct 08 00:54:33 +0000 2013
Foster Law Group Mobile Webcard: Click here.
Wed Sep 04 23:52:18 +0000 2013
Consumer Financial Protection Bureau: The Consumer Financial Protection Bureau has shown ...
Tue Sep 03 23:10:10 +0000 2013
When is a chapter 13 bankruptcy preferable to a chapter 7?
Fri Aug 23 22:33:10 +0000 2013
Planning for Bankruptcy: Don't borrow from or pay any money to friends or family=headache...
Fri Jul 12 00:32:21 +0000 2013

 Facebook Feed »

Top 5 Credit Score Myths: 1. Paying Bills on Time Will Improve My Score That's definitely a good start, but it's not the only factor. Only 35% of the points on your score are directly tied to whether you're making your payments on time. That leaves 65% of your score that has nothing to do with missed payments. 2. Carrying a Balance Is Good Although carrying balances will cost you in interest and financing charges, from a credit score perspective, there's nothing wrong with carrying a balance on your credit card. But very large balances will affect your "creditization" -- the percentage of your credit limit that you're carrying as a balance. Maxing out your credit cards will hurt your score. What you really want is a relatively low balance -- never more than 15 percent of your overall limit. 3. My employer can see my credit score Although a lot of people treat them as though they are interchangeable, credit reports and credit scores are two completely different things. Employers in most states can look up your credit report for pre-employment screening purposes and during your term of employment. They do not have access to your credit score. Only approved agencies including lenders, insurance companies, and utility providers can buy your score from one of the three accredited credit report agencies. They use that score to determine the amount of risk they're taking in doing business with you. 4. Foreclosures and Bankruptcies ruin your Credit Score for 7 Years This one is only partially true. A short sale, a foreclosure or bankruptcy proceeding, will remain on your credit report for at least seven years. (A bankruptcy will actually be on there for 10.) But your credit score does improve as those items age. In fact, you can have a very solid credit score in three or four years depending on your use of credit going forward. If you already have bad credit, a bankruptcy will eventually rebuild your credit by wiping the slate clean. 5. Short Sales Are Always Better than Foreclosures The assumption is that a short sale is always better for your credit score than a foreclosure, but in reality, they may have the same effect. If you are more than 120 days past due on your mortgage payments, lenders may treat the '120 days late' the same as they would a foreclosure. If you are less than 120 days past due and you are considering filing bankruptcy, you should file bankruptcy before the loan is more than 120 days past due. Otherwise, both the ‘discharged in bankruptcy’ and the ‘120 days late’ will show up on your credit report. The bankruptcy will prevent you from qualifying for a new loan for two (2) years. A foreclosure and/or ‘120 days late’ will disqualify you under most loan programs for four (4) years. I hope you've found this helpful. Please let me know if I can help you or someone you know struggling with unsecured debt.
10/27/2016 3:37:44 AM
9/11/2016 2:28:54 AM

Debt Collectors' Abuses Prompt Consumer Agency to Propose New Rules
7/28/2016 6:13:57 AM

Should I File Chapter 7 or 13 Bankruptcy: In most cases, it makes sense to file under chapter 7. This is the quickest and most cost-effective way to obtain debt relief. It does not involve a repayment plan and most people who file under chapter 7 lose very few if any assets. I have seen cases where a person filed under chapter 13 which is a repayment plan whereas they could have filed under chapter 7. Unfortunately, there are several attorneys in the Denver area who will put their clients into a chapter 13 when the person should have filed under chapter 7. Bankruptcy attorneys can charge 3 times as much in a chapter 13 than in a chapter 7 bankruptcy. Before you file under chapter 13, get a second opinion of your eligibility to file under chapter 7. A chapter 7 bankruptcy provides immediate relief and there is no repayment plan. A chapter 13 is more expensive, lasts from 3-5 years and involves paying a portion or all of your debts back. A chapter 13 is appropriate for individuals who because of their income do not qualify under the means test to file a chapter 7. Other debtors may file under chapter 13 to protect assets they would lose under a chapter 13. There are a few other reasons a person may file under chapter 13. To learn more about the differences between the two chapters of bankruptcy click here.
7/6/2016 9:19:07 PM

Paying back friends or family before filing bankruptcy: If there is a chance you may need to file for bankruptcy under chapter 7 or 13, you should not pay back loans you borrowed from your family or friends or other associates (insiders) as it could have unintended consequences after you file bankruptcy. Paying back insiders is considered preferential treatment if the loans were paid back within two years of filing bankruptcy. If the amount you paid back was over $600, the bankruptcy trustee assigned to your case will seek to recoup the payment from the lender. It is okay to pay these insiders back after you have filed bankruptcy but not before.
6/30/2016 6:28:34 PM

US Senators introduce bill to help rebuild credit after bankruptcy: Several US Senators introduced a bill that will require creditors to update consumer credit reports after a bankruptcy filing. In many cases, creditors fail to update an individual's credit report after the bankruptcy discharge. All debts which have been discharged in bankruptcy should show a $0.00 balance which overtime will help the consumer to rebuild credit score. The $0.00 balances lower the debt to income ratio factor on the credit score. To read more about the bill please click here.
7/16/2015 4:54:40 PM

Should I File Bankruptcy if the Statute of Limitations has Passed?: The statute of limitations in Colorado for most debts, including credit cards, is 6 years. What does it mean? If it has been more than 6 years since you stopped paying your credit card, your lender may still file a lawsuit against you to collect the debt. They will accomplish this by serving your with a summons and complaint which is then filed with your county court. They hope that you will not assert the statute of limitations as a defense. If you fail to assert the defense by filing a response to the summons and complaint, you have effectively waived the S&L defense for that debt. Should you still file bankruptcy if the S&L has passed on most of your debt? For most people, it is worth it to file bankruptcy on stale debts for the sake of rebuilding credit. The passing of the S&L does not make the debt go away. It just means the creditor is prevented from getting a judgment. The S&L (if asserted) removes the creditor’s remedy of getting a judgment but not their right to collect. The debt collector may continue to call and send letters. Most importantly, the debt may still appear on your credit report. Filing bankruptcy will zero out these debts on your credit report giving you a fresh start.
4/21/2015 6:37:51 PM

City must pay creditors and pension fund
10/2/2014 9:44:55 AM

U.S. Bancorp to Pay $57 Million Over Billing Claims
9/26/2014 8:56:17 AM

Need more information? Click here.
9/23/2013 11:20:13 PM

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