How to File Bankruptcy in Denver, Colorado

As per our previous post about “Colorado Bankruptcy Documents” you have collected all of the required documents and are ready tofile your Chapter 7 bankruptcy in Denver. Be aware, it will take four (4) to six (6) months to receive your discharge. And when you are granted your discharge, you will be free from your debts and no longer have to pay them back. But before you can get there through all procedures. So here is a list of what you need to file bankruptcy in Denver, Colorado.

Fill out the Bankruptcy Forms

Filling out the bankruptcy forms is like writing your financial detail. You will write the detailed information about your income and expenses. Be sure to list the property(s) you own; any expected inheritances, and contracts and leases you are a party to. Also, be sure to have your personal information handy like your pay stubs and the last two (2) tax returns will help you expedite filling out and completion of the forms. It will be much better if you  discuss all this with your bankruptcy attorney for the completion of the forms.

Print Your Bankruptcy Forms

Once you have completed and reviewed your Denver bankruptcy forms, then you have to take a printed copy before submitting them to the Court. Always retain one copy for your records.

Denver Bankruptcy Filing Fee and Submission

If you are looking to file bankruptcy in Denver, you will submit your forms to the Bankruptcy Court or Court House. For Denver,  this is located at 721 19th Street in Denver. The Court’s phone system opens at 8:30 AM and closes at 5 PM from Monday to Friday and closed 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.

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 in Denver is $335. After you file bankruptcy in Denver, Colorado and pay your fee fee, they will put your case on the Court’s docket. Also, they will generate a case number. And lastly give 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. 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 and also is 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 10 days before your 341 meetings.

Attend Your 341 Meeting

The 341 Meeting is the only time you will have to appear before the Trustee and 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. 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, expect to see the Trustee. In addition you’ll see others who have filed for Chapter 7 bankruptcy in Denver, attorneys, and possible creditors. These meetings are open to the general public, so people may come in and out of the room. You will meet with the Trustee 1 on 1 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 the 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 for How to File Bankruptcy in Denver

This may look like a lengthy process. But when you follow the above steps in this guide on “how to file bankruptcy in Denver” and have hired a professional and expert bankruptcy attorney then there is no need to worry. Just organize your papers and explain your case to a Denver bankruptcy attorney. A Denver bankruptcy attorney will make your entire process go much smoother.  And it is much more affordable than you think!