Bankruptcy Attorney in Littleton, CO
Find Relief From Debt & Take Control of Your Financial Future
Debt can feel overwhelming, but bankruptcy offers a fresh start. If you're struggling with credit card debt, medical bills, mortgage payments, or tax debt, you have legal options. At Hubert T. Morrow Associates, we help individuals and families in Littleton, Englewood, Highlands Ranch, Aurora, and throughout Arapahoe and Douglas Counties navigate the bankruptcy process with confidence.
With over
50 years of experience, we provide
trusted guidance in filing for Chapter 7 and Chapter 13 bankruptcy, negotiating
mortgage modifications, settling
creditor claims, and helping you
rebuild your financial stability.
Understanding Bankruptcy – Chapter 7 vs. Chapter 13
Bankruptcy is designed to help individuals eliminate or reorganize debt. We handle the two most common types of consumer bankruptcy:
Chapter 7 Bankruptcy – Debt Discharge
Chapter 7 bankruptcy allows qualifying individuals to
eliminate most unsecured debts, such as:
- Credit card debt
- Medical bills
- Personal loans
- Certain tax debts
This process typically takes
3 to 6 months, and in many cases, you can keep essential assets, such as your
home, vehicle, and retirement accounts.
Chapter 13 Bankruptcy – Debt Repayment Plan
If you don't qualify for Chapter 7 or want to protect valuable assets, Chapter 13 allows you to restructure your debts into a manageable payment plan over 3 to 5 years. This option is ideal if you:
- Want to stop foreclosure and catch up on mortgage payments
- Have a steady income but need debt relief
- Need to reduce interest rates or consolidate debts
We help determine the best bankruptcy path for your financial situation, ensuring you receive the maximum protection under the law.
Additional Debt Relief Services
Mortgage Modifications & Foreclosure Prevention
If you're behind on mortgage payments, we can negotiate with lenders to:
- Lower your interest rate
- Reduce monthly payments
- Extend loan terms
- Prevent foreclosure proceedings
Settlement of Creditor Claims
Dealing with aggressive creditors? We negotiate settlements to:
- Reduce total debt amounts
- Stop harassment from collection agencies
- Establish
affordable repayment plans
Debt Reduction & Tax Debt Resolution
Are you overwhelmed with IRS tax debt or state tax obligations? We help individuals find relief through the following:
- Installment agreements
- Offers in compromise (settlements for less than owed)
- Penalty and interest reductions
Credit Repair & Rebuilding After Bankruptcy
A bankruptcy filing does not mean permanent damage to your credit. We provide guidance on:
- Rebuilding credit scores
- Securing new lines of credit responsibly
- Improving financial health after debt discharge
Your Local Bankruptcy Attorney in Arapahoe & Douglas Counties
We understand that financial struggles can be stressful and overwhelming. Our firm is committed to helping clients in Littleton, Englewood, Highlands Ranch, Aurora, and surrounding areas regain financial stability. Whether you need to eliminate debt, modify your mortgage, or negotiate with creditors, we are here to protect your rights and help you move forward with confidence.
Take the First Step – Call for a Free Consultation
Financial relief is possible. Whether you're considering bankruptcy or need help negotiating your debts, we provide affordable, effective legal solutions to get you back on track.
Schedule your free consultation today to explore your debt relief options.