LAW OFFICE OF
JOHN C. BOWES
(303) 231-0888
Begin Your Fresh Start Today
Keep Your Property and Discharge Your Debt
Most People Qualify for a Discharge of Their Debt
Under Chapter 7
The U.S. Bankruptcy laws provide a fresh start for individuals, families and
businesses who have found themselves in difficult times.  The time comes
when all alternatives have been tried and the only choice is to get a fresh start.
You do not lose your property in bankruptcy.  There are exemptions under
the bankruptcy laws that allow you to keep most, if not all of your property.  
The amount of the exemptions are different for the type of property that you
own. A list of selected
exemptions can be found here.

Most, if not all of your debt, can be discharged in bankruptcy.  A list of the
types of debt that are generally
non-dischargeable debt can be found here.
The great majority of those who have found themselves in a precarious
financial situation do qualify for debt relief under Chapter 7.  There is a
Means Test Calculation that determines whether individuals can discharge
their debts under Chapter 7 rather than entering into a repayment plan under
Chapter 13.  If you make more than the median income for your household
size, there is a presumption that you should be repaying your debts.  Even if
you do make more than the median income for your household size, the
presumption can be overcome by a more detailed explanation of where your
income is going. The Means Test does not apply to those with primarily
business debt. For more on the
Means Test Calculation can be found here.
"I needed to file for
bankruptcy and I hired
Mr. Bowes to assist me.
He was friendly,
professional and
compassionate ...

MJB
Call for a Free Consultation Today Call  (303) 231-0888
or email
john@johncbowes.com
The Law Office of John C. Bowes, providing bankruptcy relief to those in Colorado, including Arvada, Aurora,
Central City, Commerce City, Conifer, Denver, Douglas County, Englewood, Evergreen, Golden, Highlands Ranch,
Jefferson County, Lafayette, Littleton, Louisville, Northglenn, Parker, Sheridan, Thornton, Westminster
The Law Office of John C. Bowes also practices in the areas of Estate Planning, Wills &
Trusts, Probate, Business Matters, Contracts and Real Estate.  For more information about
the
Law Office of John C. Bowes click here.
The information provided herein does not constitute giving of legal advice nor is an attorney-client relationship established.  This site is intended
to be used for general informational purposes.  Although the information is intended to be accurate, bankruptcy laws and procedures often change
and may not be reflected herein and particularly in cached versions of these pages.
(c) 2009-2018 Law Office of John C. Bowes

Attorney's Fees for a chapter 7 bankruptcy are a flat fee plus the court's filing fee.  
Payment plans are available.

10% discounts are offered for seniors and those who are disabled..