Need a Colorado Springs Bankruptcy Attorney?
If you are looking for a Colorado Springs bankruptcy attorney, Kinnaird Cloyes & Kinnaird, P.C. can provide the debt relief you need and the fresh start that you deserve. With over 30 years of experience, we are the seasoned experts in bankruptcy law. Our firm specializes in Chapter 7 and Chapter 13 bankruptcy, and we guarantee that we will STOP creditor harassment and STOP wage garnishment.
Here at Kinnaird Cloyes & Kinnaird, P.C. we know that life happens. If life circumstances have left you in a position where you are unable to repay your creditors, we can help!
In 1934, Congress enacted the federal bankruptcy laws to give those in debt a "fresh start".
[I]t gives to the honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt". [Local Loan Co. v. Hunt, 54 S.Ct. 695 (1934)]
We take pride in providing each client with a clean slate for the future. Our practice has the Colorado Springs bankruptcy attorney that will provide you relief fast. At Kinnaird Cloyes & Kinnaird, P.C., you will find the compassionate and personalized attention you are looking for.
We are Versatile, Experienced, and Aggressive...
If you are looking for a Colorado Springs bankruptcy attorney, you should know:
Chapter 7 Bankruptcy allows individuals to protect a substantial amount of equity while eliminating debt. With this form of bankruptcy, also known as "Liquidation Bankruptcy", our clients can retain the following equity:
- Vehicles: up to $5000.00 ($10,000.00 for those that are disabled/elderly)
- Household Goods: up to $3000.00 ($6,000.00 for married filers)
- Primary Residence: up to $60,000.00 ($90,000.00 for those that are disabled/elderly)
This is the quickest and simplest form of bankruptcy. We have the local Colorado Springs bankruptcy attorney who can help you organize the pre-bankruptcy planning that the Court allows.
Chapter 13 Bankruptcy allows individuals with a reliable income to repay most or all of their debt. Also known as "Wage Earner Bankruptcy", this form of bankruptcy gives individuals the chance to rehabilitate credit.
- Clients pay a monthly fee to a trustee, who then distributes the funds to their creditors
- Clients complete plans that range from 36 to 60 months, depending upon the reason for filing
- Those who file Chapter 13 Bankruptcy are entitled to all of the Chapter 7 exemptions, but are also allowed to keep the non-exempt property that might be excluded in a Chapter 7 Bankruptcy.
With Chapter 13 Bankruptcy, our clients can save their home from foreclosure and pay for debts that cannot be discharged in a Chapter 7 Bankruptcy. Chapter 13 Bankruptcy can help those individuals who are not eligible for a Chapter 7 but would still benefit from Chapter 13 relief.