Lois Tabberson Gray

At Lois Tabberson Gray, P.C., we understand that dealing with financial problems can be a challenging and overwhelming experience. As a trusted and experienced bankruptcy law firm in Broomfield, we are committed to providing top-notch legal services to our clients in the Denver Metro Area. With over 35 years of experience in bankruptcy law, we take the time to discuss your options and develop a customized strategy that protects your interests. Our dedicated team is equipped to handle the complex process of bankruptcy, and our goal is to help you achieve a fresh start.

Our Services

We specialize in providing comprehensive bankruptcy services, including Chapter 7 and Chapter 13 bankruptcy filings. Our expertise also extends to family law, allowing us to provide guidance on how family law and bankruptcy can intersect. Our services include:

• Chapter 7 Bankruptcy: We help clients eliminate most of their debt and make a fresh start through a Chapter 7 bankruptcy filing.
• Chapter 13 Bankruptcy: We guide clients through the process of restructuring and repaying their debts in a Chapter 13 bankruptcy.
• Alternative Debt Relief Options: We also explore alternative debt relief options that may be suitable for your unique situation.
• Family Law: Our experience in family law allows us to provide guidance on how family law and bankruptcy can intersect and how to best protect your interests.

What to Expect

If you are considering bankruptcy, it is essential to work with an attorney who is well-versed in the complexities of bankruptcy law. Our firm is dedicated to guiding you through the process and ensuring that your rights are protected. We will:

• Examine all of your financial documentation to determine the best course of action for your financial situation.
• Prepare and file the bankruptcy petition and supporting documents with the appropriate federal bankruptcy court.
• Represent you at a creditors' meeting, where you may be questioned by your creditors about your debt, assets, and financial condition.
• Guide you through the process of negotiating with creditors to reduce monthly payments or skip some payments.
• Help you explore alternative debt relief options, such as nonprofit credit counseling groups.

Is Bankruptcy Right for Me?

Bankruptcy can be a viable solution for individuals who are struggling with debt. However, it is essential to consider the pros and cons of bankruptcy before making a decision. At our firm, we will work with you to determine whether bankruptcy is the right option for your financial situation. Some common signs that bankruptcy may be the right choice include:

• Paying only minimum amounts on your bills
• Being unable to budget yourself out of debt within five years
• Receiving notices that your mortgage or loans are being foreclosed
• Experiencing a severe financial setback, such as losing your job or a major client

What Debts Does Bankruptcy Not Cover?

While bankruptcy can provide significant debt relief, it is not a solution for all debts. Certain debts, such as:

• Alimony and child support
• Drunken driving judgments
• Criminal fines
• Criminal restitution
• Debts incurred by fraud or intentional wrongdoing
• Back taxes less than three years old
• Student loans

may still be your responsibility after bankruptcy.

Conclusion

At Lois Tabberson Gray, P.C., we understand the complex and often overwhelming process of bankruptcy. Our experienced and dedicated team is committed to providing personalized guidance and support to help you achieve a fresh start. If you are considering bankruptcy, we encourage you to contact our firm to schedule a consultation and discuss your options.