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Wheat Ridge/Lakewood Area Chapter 7 Bankruptcy Lawyer

Colorado Debt Relief Lawyer

Are you making enough money to cover your living expenses but not enough to pay down your debt? Do you have high credit card bills or medical expenses? Before you spend every last dime trying to pay your debt, speak to an attorney about Chapter 7 bankruptcy.

At the Law Office of Paula M. Tomko, we have helped numerous hardworking men and women in Lakewood, Wheat Ridge and the surrounding communities find the debt relief they need through bankruptcy. Since 1984, we have been providing trusted counsel, giving people the information they need to find financial renewal.

Who Qualifies for Chapter 7?

To qualify for this type of bankruptcy, you must pass the means test. Your income must be below a certain level for you to be eligible for Chapter 7. During a free consultation, we can let you know whether or not you qualify for this debt relief.

How Does It Work?

When you file Chapter 7 bankruptcy, the court issues an automatic stay. This stops all creditor collection actions, as well as garnishments and foreclosures. A court-appointed trustee will identify and liquidate any non-exempt property, giving the proceeds to your creditors. Following the liquidation, most of your unsecured debt is discharged, including:

  • Credit card debt
  • Medical debt
  • Personal loans
  • Payday loans

Mortgage, car loans, child support, student loans and most taxes are not eliminated. However, most people find that with the unsecured debt discharged, they are better able to pay their other bills.

In most cases, you will be able to get a credit card not long after filing. This will give you the opportunity to rebuild your credit.

MountainYou Deserve a Second Chance

As your legal advocates, we will be with you every step of the way. Filing paperwork, representing you at hearings and answering any questions that might arise, we will guide you through financial recovery.

To speak with a Lakewood Chapter 7 bankruptcy attorney, contact us online, or call us at 303-586-2979 or 888-331-1542. We offer free consultations.

Our office is conveniently located near the intersection of Wadsworth and 38th Avenue, just two blocks east of Exempla Lutheran Medical Center in Wheat Ridge.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


Paula M. Tomko, Attorney at Law
7827 W. 38th Ave.
Wheat Ridge, CO 80033
Phone: 303-586-2979
Toll Free: 888-331-1542
Fax: 303-940-4879
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