Bankruptcy attorney for, chapter 7, chapter 13 bankruptcy in Colorado Springs

     You have arrived at the bankruptcy attorney website for Thomas H. Terry, Esq. in Colorado Springs. Welcome! We are looking forward to assisting you.

     If you have financial problems, we invite you to relax. Chances are you are only a phone call away from finding the solution. Give us a call at (719) 633-0909.

We are here to help you!
* Stop harassing phone calls fast, so you can enjoy your free time again.
* Protect your wages and bank accounts from garnishment.
* Protect home and property from creditors.
* Get a fresh start and peace of mind.
* Learn about your financial options.
* See below for a special limited time discount offer for clients who find us on the internet.

     Talking to our qualified bankruptcy attorney may be just what you need to take back control of your life. We can help you get rid of the stress once and for all. We are happy to answer your questions to see if bankruptcy is the right solution for you.

     ARE YOU LOOKING FOR HIGH-QUALITY, LOW-COST BANKRUPTCY ATTORNEY SERVICES? THEN WE INVITE YOU TO READ ON AND DISCOVER A BETTER KIND OF BANKRUPTCY LAW FIRM...See below for a special limited time discount offer for clients who find us on the internet.

     Our History: The Law Firm of Thomas H. Terry, PC was founded in January 2006, just after the sweeping changes in bankruptcy law went into effect in October 2005. We had been in practice together as a legal team at another firm during the period leading up to the change in law. We had witnessed the impersonal, mass production philosophy that many bankruptcy attorneys subscribe to. When we founded our firm, we determined that we would offer clients a better kind of bankruptcy. We would never be the infamous "bankruptcy mill" of high fees, low service, and staff who confuse clients with cattle.

     Our philosophy is simple. We are committed to offering high-quality, honest representation, with personalized service, and affordable rates. Our goal is to treat each client as we personally would want to be treated.

     Bankruptcy law has become increasingly technical. Successful filing is complex and requires great accuracy and care by the bankruptcy attorney you select. Our clients appreciate our ability to ease the way and relieve the stress. We use a triple review process to give our clients peace of mind while eliminating dangerous and costly errors.

     When you hire The Law Firm of Thomas H. Terry as your bankruptcy attorney, you are in good hands. We understand just how important your case is to your future. Mr. Terry is an experienced attorney and graduate of one of the nation's top trial advocacy law schools.

     Our firm focuses on personal and small business bankruptcy. We also have recognized skill and experience in family law matters such as divorce, custody, and adoptions. Not least, we have successfully represented clients in a variety of employment law cases including unemployment compensation hearings, Merit System Protection Board, breach of employment contract, denial of overtime, discrimination, and wrongful termination.

     If any of your financial problems are the result of family or health challenges, a divorce, or loss of employment, then our additional experience may add premium value to the legal advice you will receive.

     Unlike some firms that offer only a brief encounter with a bankruptcy attorney before turning the client's case over to a paralegal, you will be relieved to know that a qualified bankruptcy attorney is overseeing your case every step of the way. The typical client may have as many as half a dozen contacts with our bankruptcy attorney to ask questions and receive legal advice! Compare that level of attention to other firms.

     You will also be reassured to know that Larissa, our senior bankruptcy paralegal, understands the ins-and-outs of financial document preparation with over a decade of law firm experience. Plus she has valuable education in accounting AND experience as a banking loan officer, and tax preparer. It’s an ideal combination of legal and financial experience for our clients.

     If you are looking for a better kind of bankruptcy attorney call us for a FREE initial consultation at (719) 633-0909 or email to info@coloradospringsbklawyer.com .* There is no obligation and no pressure. If we don't believe bankruptcy is your best option we will always tell you. If we believe bankruptcy is your best option, we will explain why. In either case, we believe you will come away feeling more confident about your future and better educated. It is just one more important difference that makes Thomas H. Terry the bankruptcy lawyer of choice for quality and price conscious clients.

Want to know more before the initial consultation? Here are some common questions and answers (See below for a special limited time discount offer for clients who find us on the internet):

How can I get creditors to stop calling me? The easiest answer is to hire us as your bankruptcy attorney. Once you have notified creditors that you have hired us, collection calls should stop. If a creditor continues to call, you may actually have a legal claim against that creditor!

What are my bankruptcy options?

Chapter 7 (discharge of most debts, and liquidation of nonexempt assets)
Chapter 11 (business reorganization)
Chapter 12 (family farmer or fisher)
Chapter 13 (partial or full repayment plan over time followed by discharge)

The type of bankruptcy that is right for you depends on many factors including your income, occupation, assets, amount and type of debt, household size, marital status, tax situation, currency on house payments, previous bankruptcy, and other factors. Only a qualified bankruptcy attorney should ever be permitted to advise you on the type of bankruptcy that is best in your situation since a misfiled or poorly filed bankruptcy can be very costly and make a bad situation much worse.

Can I keep my property? You can rest easy that most assets that people own are protected in the bankruptcy. The law is designed to ensure that honest people are left with a reasonable amount of property to be able to start over again. The specific types of property and amounts that are protected in the bankruptcy are known as “exemptions”. Each state sets its own exemptions within certain federal limits.  The particular exemptions that apply to you depends partly on how long you have lived in your current state. If you have lived in Colorado less than two years, you may be required to use exemptions from some other state. Our qualified bankruptcy attorney will be able to tell you which exemptions apply to you. However, most states allow you to keep a substantial amount of equity in a home, car, furnishings, clothing, jewelry, business tools, retirement accounts, and wages (to name just a few). Have extra property? Certain chapters of the bankruptcy code may allow you to keep property beyond your reasonable needs if you enter into a plan to repay a portion or all of your debt.

Will my credit be hurt if I file bankruptcy? Possibly, but keep in mind that most people filing bankruptcy already have badly damaged credit from nonpayment or late accounts. It may actually be easier to get financed after filing bankruptcy because a creditor will have confidence that past creditors are no longer competing for your money (your previous debts will have been canceled in the bankruptcy). You will not be able to file bankruptcy again for a number of years. This means the new creditor may feel confident that it will not only get paid, but also that a higher interest rate can be charged to you because of the bankruptcy. And credit can be repaired after filing. It is not uncommon to hear of clients who several years after bankruptcy have reestablished their credit and now have scores over 700. Our bankruptcy attorney will be happy to discuss with you ways you can rebuild your credit once bankruptcy is filed.

Is bankruptcy an honest solution? In the vast majority of cases, YES! Creditors understand that unforeseen events happen in life. It is implied in nearly every contract if you lose your job, go through a divorce, have medical problems, fail at business, or things just get out of control, that you may need to seek the help of a bankruptcy attorney to claim the right to have a fresh start. That is why the United States Constitution specifically mentions bankruptcy, and even the ancient Biblical people practiced a form of bankruptcy . It sometimes is a surprise to find that many of the people we most admire (businessmen, teachers, religious and community leaders, friends, and family) have gone through bankruptcy.

What does bankruptcy cost? Fees depend upon the complexity and type of bankruptcy being filed. Specific quotes can be given only after your specific situation is reviewed. However, we are confident that our firm offers some of the most competitive fees in town. We are happy to provide general quotes upon phone or email request. In comparing prices clients should remember that law firms vary widely in attention and service given to clients, and also in the efforts they take to reduce a client’s risk and increase the odds of success. Not only does The Law Firm of Thomas H. Terry strive to provide excellent quality and superior service, but we encourage you to compare our fees to other full service bankruptcy attorneys in town. When price and quality matter, The Law Firm of Thomas H. Terry, PC is the bankruptcy attorney of choice. For a limited time only, tell us you learned about us over the internet and we will discount our regular retainer of $175.00 to just $99.00! Plus we will discount our regular fee by $30.00! (Offer good for 3 days. Conditions apply. See us for details).

For a FREE initial consultation call us now at (719) 633-0909 or email to info@coloradospringsbklawyer.com .*

* IMPORTANT NOTICE: EMAIL CONTACT WITH OUR FIRM DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. ONLY EMAIL US FOR GENERAL INFORMATION AND PRICING UNTIL WE HAVE AGREED TO REPRESENT YOU IN WRITING. YOU SHOULD NOT EMAIL CONFIDENTIAL INFORMATION.

Copyright 2011, Thomas H. Terry. Website for informational purposes only. Nothing herein shall be construed as legal advice. We are a Federally designated debt relief agency. We help people file for bankrutpcy under the bankruptcy code. Laws and office policies are subject to change without notice.