US Bankruptcy - How to File Bankruptcy in Jefferson, Colorado

Bankruptcy in Jefferson, Colorado

Jefferson residents who need a fresh start for their bankruptcy case and looking for the best bankruptcy attorney, then you are on the right article. A good bankruptcy attorney is a great resource whenever considering filing for Chapter 7 bankruptcy. If we talk about Chapter 7 bankruptcy is a very important debt relief tool for American residents in severe financial distress from losing a job, getting divorced or even getting injured. So filing for Chapter 7, firstly you need to arrange "Colorado Bankruptcy Documents." 

 

Fill out your bankruptcy forms

Once you arranged the documents the next step is to fill out the bankruptcy form which is the most time-consuming step because the Bankruptcy Forms include 23 Separate forms and 70 pages in Total. The forms ask you about everything regarding whatever you make, spend, own and owe. If you will download and print out the forms online, you will have to enter repetitive data and make lots of math calculations which is not easy without professional help. Therefore, it will be much better if you will discuss with your bankruptcy attorney for the completion of the forms.

 

Review and Take a Print of Bankruptcy form

Once you have completed and reviewed your bankruptcy forms, then you have to take a print before submitting them to the Court. The print should be single-sided pages because the Court would not accept double-sided pages. Al least prints many copies of the forms and always retain one copy for your records. 

 

Bankruptcy Court Location and Timing Schedule

Residents of Jefferson County must file in the Colorado District Bankruptcy Court. If you are filing for a bankruptcy case, you will submit your forms to the Court House which is located at 721 19th Street in Denver. The Court's phone system opens at 8:30 AM, closes at 5 PM from Monday to Friday, and closes on weekends and federal holidays. When you arrive at the courthouse in Denver, you will need a valid government-issued ID card to enter and will be screened through security. Cell phones are not allowed in the federal courthouse and will be detained by the federal marshals for the duration of your visit. 

 

Filling Fee and Submission Procedure

Now, once you have gone through security procedures then you will go to the bankruptcy clerk's office for the submission of your forms. The Court Clerk will collect a fee and the fee to file a Chapter 7 bankruptcy case is $335. After filing your Colorado bankruptcy case and payment of the fee, he will put your case on the Court's docket and generate a case number. Afterwards, he gives it to you so that you can give to creditors when they call next time.

 

Mail Documents to Your Trustee

After submission of your Denver bankruptcy case with the Court, you will need to send certain supporting documents like your pay stubs, tax returns, and bank statements to the Trustee. The Trustee is an independent third party handling the case on behalf of your unsecured creditors. The Trustee is also responsible for verifying the information contained in your bankruptcy forms. The Trustee will need to take some time to review your forms. So it is the best option to send your documents at least ten days before your 341 meetings. 

Attend Your 341 Meeting

The 341 Meeting is the only time you will have to appear before the Trustee. In this meeting allows the Trustee to ask you any questions about your filled petition, schedules, or any of the bankruptcy forms you submitted to the Court. It is also includes anything you may have forgotten in your Denver bankruptcy forms, for example, a vacation home or an antique collection, timeshare, or a recent inheritance. As of January 2019, 341 meetings were held at the Byron G. Rogers Federal Building located at 1961 Stout Street, Suite 12 – 200, Denver. But soon, a location for 341 meetings will open in Fort Collins. Since the meeting is being held at the federal courthouse in Denver and also expect the same security procedures you went through when filing your petition. For the dress code, you can dress business casual for this meeting. 

 

When you arrive at the 341 meeting room, you are expecting to see the Trustee, others who have filed for Chapter 7 bankruptcy in Denver, attorneys, and if they choose to come, one or more of your creditors. These meetings are open to the general public to come in and out of the room. You will meet with the Trustee 1 on one meeting and verify your identity through your original social security card and driver's license.

 

The Trustee will ask you any questions regarding your forms. Some of the questions the Trustee may ask are as following: 

·         Firstly, have you ever filed for bankruptcy before in Court?

·         Secondly, is there anything you would like to include in your bankruptcy forms at this time in your petition?

·         Thirdly, have you paid any debts listed on your bankruptcy since the time you filled this case?

This meeting should not take more than 10 to 15 minutes.

Conclusion

Filing for bankruptcy in Jefferson takes some careful case preparation but if you have hired a professional and expert bankruptcy attorney then no need to worries about your case, you will organize your papers and handed over to your bankruptcy attorney. Why it is important because seeking professional consultation can prevent you from the number of completions and in the end, you will achieve your financial freedom!