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What is Denver Bankruptcy Attorney - Chapter 13 And Chapter 7 Bankruptcy Lawyer -?

Denver Bankruptcy Attorney is the website of Peter Mullison, a Colorado attorney whose practice is limited to Chapter 7 and Chapter 13 consumer bankruptcy. The site functions as an informational and contact resource for people in the Denver area who are considering filing for bankruptcy relief.

Who it serves

• Individuals and households struggling with credit card debt, medical bills or other unsecured obligations.
• People facing foreclosure, wage garnishment or collection lawsuits.
• Debtors weighing whether Chapter 7 liquidation or Chapter 13 reorganization fits their income and assets.

What the site covers

Content typically explains the difference between the two chapters and the general filing process. Chapter 7 is generally suited to filers who pass the means test and want a relatively quick discharge of most unsecured debts. Chapter 13 may suit those with regular income who need to cure mortgage arrears or protect non-exempt property through a three-to-five-year repayment plan.

Practical considerations

Because the practice is described as focused only on these two chapters, visitors with complex business, tax or Chapter 11 questions may need a different attorney. The site advertises a free consultation, which is a common way to assess eligibility before committing. Exact fees and filing costs are not stated in the supplied information, so readers should confirm those directly.

What services does Peter Mullison provide as a Denver bankruptcy attorney?

Peter Mullison is a Denver, Colorado bankruptcy attorney whose practice is deliberately narrow: he handles only Chapter 7 and Chapter 13 bankruptcy cases. That focus is the main thing to understand about the service, since it shapes who he is likely to suit and who should look elsewhere.

Core services

• Chapter 7 bankruptcy — typically for people with limited income and few nonexempt assets who are seeking a relatively quick discharge of unsecured debts such as credit cards and medical bills.
• Chapter 13 bankruptcy — a reorganization route for those with regular income who need to repay a portion of debts over a set plan period, often to protect a home or vehicle from foreclosure or repossession.
• Free initial consultation — the site invites prospective clients to schedule one, which is the usual starting point for discussing whether filing is appropriate and which chapter fits.

Who this is suited to

Someone in the Denver area who has already decided bankruptcy is a likely option and wants a lawyer who does nothing else. The trade-off is that matters outside consumer bankruptcy — business reorganizations, debt defense, foreclosure defense as a standalone service — may fall outside the practice, so those needs may require a different attorney.

For details on the practice and consultation, see Denver Bankruptcy Attorney.

How do I know if I should file for Chapter 7 or Chapter 13 bankruptcy?

Choosing between Chapter 7 and Chapter 13 usually turns on income, assets and what you want to keep. A Denver-focused bankruptcy practice like Denver Bankruptcy Attorney frames the decision around those two chapters, which is a useful scope because the tests differ.

Chapter 7 in brief

• Aimed at liquidation: a trustee can sell non-exempt property to pay creditors.
• Often suits filers with limited income and few unprotected assets.
• A means test compares your income with Colorado's median for your household size.
• Many debts may be discharged within months, but certain obligations typically survive.

Chapter 13 in brief

• A repayment plan, usually three to five years, funded from income.
• Suited to people with regular income who are behind on a mortgage or car loan and want to catch up.
• Can protect non-exempt assets by paying creditors through the plan.
• Debts are discharged only after plan completion.

An attorney can apply the means test, review exemptions and explain local practice.

What are the eligibility requirements for Chapter 7 bankruptcy in Colorado?

Chapter 7 bankruptcy in Colorado follows federal eligibility rules, with some state-specific details. The main requirements typically include:

• Means test: Your current monthly income is compared with Colorado's median income for your household size. If it falls below, you usually qualify; if above, deductions for allowed expenses may still bring you under the threshold.
• Residency: You must reside in, or have a domicile or principal place of business in, Colorado for the required period before filing.
• Credit counseling: A government-approved credit counseling course must generally be completed within 180 days before filing.
• Prior discharges: A prior Chapter 7 discharge within the last eight years, or a Chapter 13 discharge within the last six years, may bar eligibility.
• Debt limits: Chapter 7 has no debt ceiling, unlike Chapter 13.

Certain debts, such as recent taxes, student loans and domestic support obligations, are generally not discharged, so eligibility to file differs from eligibility for relief. A Denver attorney such as Peter Mullison, who focuses on Chapter 7 and Chapter 13, may help assess the means test and exemptions. Further general information is available from United States Courts and Denver Bankruptcy Attorney.

How much does it cost to hire a Denver bankruptcy lawyer?

Costs for hiring a Denver bankruptcy lawyer vary by case type, complexity and the attorney's fee structure. The site Denver Bankruptcy Attorney focuses on Chapter 7 and Chapter 13 filings in Denver, Colorado, and offers a free consultation, which is typically the point where fees are quoted.

What usually drives the price

• Chapter type: Chapter 7 is generally simpler and often costs less than Chapter 13, which involves a multi-year repayment plan and more ongoing work.
• Case complexity: Business debts, disputed assets, prior filings or litigation can raise fees.
• Filing and court fees: Government filing fees are separate from attorney fees, and Chapter 13 may involve trustee fees.
• Payment structure: Some attorneys charge flat fees for Chapter 7; Chapter 13 fees may be paid through the plan.

Practical steps

• Ask for a written fee agreement that separates attorney fees from court costs.
• Confirm what is included: filing, meeting of creditors, and any amendments.
• Compare total cost, not just the initial payment.

Because no prices are listed here, treat any figure as dependent on your circumstances. A free consultation is the most reliable way to get an accurate quote.

What happens during a free consultation with a bankruptcy attorney?

A free consultation with a bankruptcy attorney is typically an initial, no-cost meeting to assess your situation and outline possible options. On Denver Bankruptcy Attorney, the practice focuses only on Chapter 7 and Chapter 13 bankruptcy, so the conversation usually centers on those two paths rather than debt consolidation or other alternatives.

What is usually discussed

• Your finances: income, debts, assets, and recent financial events.
• Chapter 7 vs. Chapter 13: whether liquidation or a repayment plan may fit your circumstances.
• Property and exemptions: what you might keep, especially a home or car.
• Timing and consequences: how filing could affect foreclosure, wage garnishment, or collection calls.
• Next steps: documents to gather, credit counseling requirements, and whether to proceed.

What to expect

The meeting may last 30–60 minutes and can be by phone or in person. You should bring pay stubs, tax returns, creditor statements, and a list of assets. Attorneys often explain fees and court costs at this stage, though amounts vary by case and location.

Trade-offs

A free consultation lowers the cost of getting preliminary advice, but it is not a full case review. The attorney cannot confirm eligibility or outcomes until documents are examined. Come prepared with questions, and treat the meeting as a chance to compare fit, communication style, and comfort with the process.