Johnstown, CO Bankruptcy Law Firms & Lawyers

It depends on how and why and, more importantly, when your previous cases were dismissed. Importantly, if both of your cases were still pending (that is, not yet closed) within the last 12 months, a third bankruptcy filing will not invoke that automatic stay, which is what stops foreclosures. If only one of the two was still pending in the last 12 months, then your new petition would enjoy the stay for only 30 days and you can get that extended only with a motion heard within those 30 days (which requires filing the motion well in advance). Now, even if this is your third filing in the last 12 month period, if your financial situation is different now and you file the petition sufficiently in advance of the foreclosure sale date, you may be able to file a motion to impose the stay. Ultimately you need to consult experienced bankruptcy counsel to go over all of the foregoing as well as what you can accomplish in your new case. Following through on a 13 or 11 may give you what you need.

All debts and creditors must be included on your bankruptcy. Not to is considered bankruptcy fraud. The debt must be included on your schedules as well as your son as a co-signor.

Filing for bankruptcy can be a complex process or an easy process. Be mindful, however, that "easy" is in the sense that it is "easy" for, for example Kobe Bryant or LeBron James, to dunk. The best approach is to look for an experienced bankruptcy specialist who offers a free initial consultation and take that consultation as early as possible so you become familiar with your options and duties as far as possible in advance of filing. In addition, except in rare circumstances, for more reasons than I can discuss here, it is best to hire an attorney actually to represent you. We offer a free initial consultation. Contact us to set up an in-person consultation.