Chapter 13 Bankruptcy Attorney in Colorado Springs

Regain Control With A Guided Repayment Plan

If you are behind on your mortgage, car loan, or other debts, it can feel like everything is slipping away at once. A Chapter 13 bankruptcy attorney in Colorado Springs can help you explore a court-approved repayment plan so you can work toward catching up and protecting important property.

At Wagner Law Office, P.C., we work with people in and around Colorado Springs who are tired of juggling bills, collection calls, and threats of foreclosure or repossession. We listen first, then walk you through your options in plain language so you understand what Chapter 13 might mean for you and your family.

We offer free consultations and flexible payment plans, so cost does not have to be the reason you wait. If you are unsure where to start, a conversation with our team can be a first step toward a more organized and manageable financial life.

Falling behind on payments and worried about losing your home or car? Call (303) 536-5124 or contact us online to speak with a Chapter 13 bankruptcy attorney in Colorado Springs today.

How Chapter 13 Bankruptcy Works

Many people arrive at our office having heard of Chapter 13 but not really knowing how it functions. Chapter 13 is often called a reorganization bankruptcy. Instead of liquidating nonexempt assets, most people propose a three to five-year repayment plan that gathers many of their debts into one structured monthly payment.

Once a case is filed, an automatic stay typically goes into effect. This stay can pause most collection actions and can give you breathing room while a plan is developed and reviewed. People often consider this option when they want time to catch up on mortgage payments or are trying to avoid repossession of a vehicle.

In a Chapter 13 case, you generally work with the United States Bankruptcy Court for the District of Colorado and a Chapter 13 trustee who oversees plan payments. You continue to receive income and make regular payments to the trustee, who then distributes funds to creditors according to the confirmed plan. The court reviews your proposed plan to see whether it meets legal requirements.

Our role as a Chapter 13 bankruptcy lawyer in Colorado Springs is to walk you through what this process might look like for you. We help you understand how your income, expenses, and debts can influence the structure of a potential plan, and we explain what your responsibilities would be if you decide to move forward.

A typical Chapter 13 journey often includes these stages:

• Initial conversation where we review your debts, assets, and goals.
• Gathering financial documents and outlining a proposed repayment plan.
• Filing your case with the District of Colorado and starting the automatic stay.
• Attending required meetings, such as the meeting of creditors, with your Chapter 13 attorney beside you.
• Working through plan payments over three to five years while staying in touch with our team.

Every case is different, and the exact details depend on your income, the kinds of debts you have, and other factors. During a free consultation, we can explain how these steps might apply to your situation and what you can expect at each point.

Is Chapter 13 Right For Your Situation?

Deciding whether Chapter 13 is a good fit starts with understanding your priorities. Many people who consider this path are behind on a mortgage and want to work toward keeping their home. Others are trying to protect a car, address tax obligations, or manage a mix of secured and unsecured debts in a more structured way.

If you have regular income and can commit to a monthly payment, Chapter 13 may provide a framework for catching up on certain debts over time. For some clients, this structure feels more realistic than trying to satisfy many competing bills without a plan. For others, another option, such as Chapter 7, may better match their goals.

Worries about losing a house or car are common. In many situations, Chapter 13 is used to help people work toward curing mortgage arrears over the life of a plan or to address past due car payments. The specifics depend on your lender, your loan terms, and your overall financial picture, which is why a tailored review is so important.

People are also understandably concerned about credit and their financial future. Bankruptcy does appear on your credit reports for a period of time, yet many clients find that moving from unmanageable debt to a clear plan is the first step toward rebuilding. We talk openly about these tradeoffs so you can choose with full information.

If you live in Colorado Springs or the surrounding area and are unsure whether Chapter 13 is appropriate, we invite you to sit down with our team. During your free consultation, we discuss what you hope to achieve and help you compare Chapter 13 with other possible paths.

Why Work With Our Chapter 13 Lawyer

Choosing the right guide through bankruptcy matters. Our team focuses on getting to know you, not just your paperwork. When you meet with us, we ask about your goals, your concerns, and what you most want to protect, whether that is your home, vehicle, or peace of mind.

We place a strong emphasis on education. Throughout your case, we explain what is happening, why it is happening, and what your choices are at each stage. Our goal is that you never feel in the dark about your own Chapter 13 plan or the steps the court is taking.

Because financial strain is already heavy, we provide free evaluations and payment plans that can be structured to fit your budget. This approach helps people in Colorado, including those living in Colorado Springs, move forward with a Chapter 13 bankruptcy attorney without taking on another overwhelming bill.

From the initial consultation through the conclusion of our representation, we work to be accessible and responsive. You can expect a personal touch from our knowledgeable and personable staff, and a legal process that feels more approachable, even when the subject is difficult.

What To Expect With Our Firm

Making the first call is often the hardest part. When you contact Wagner Law Office, P.C., you can expect a conversation, not a lecture. During your free consultation, we ask about your income, key debts, major assets, and the pressures you are facing, such as foreclosure notices, wage garnishments, or constant creditor contact.

From there, we outline the next steps in a way that fits your pace. We describe the types of documents that are typically needed for a Chapter 13 case, like pay stubs and creditor statements, and we help you understand why the court looks at this information. Our team stays available to answer questions as you gather what is needed.

Throughout the case, we focus on communication. We keep you informed about important events, such as the filing of your case or scheduled hearings with the United States Bankruptcy Court for the District of Colorado. When you have questions about a letter you received or a payment you are unsure about, we want you to feel comfortable reaching out.

We know that paying for legal help is a major concern, especially in Chapter 13. We offer flexible payment plans that are designed to make it more manageable to have a Chapter 13 bankruptcy lawyer at your side. During your consultation, we explain how our fees work, what options may be available, and how those choices fit with your budget.

Our firm serves clients across Colorado, including many who live and work in Colorado Springs. Whether you prefer to meet in person or by phone when possible, we work to make the process as approachable as we can from start to finish.

Frequently Asked Questions

Can Chapter 13 help me save my home?

Chapter 13 is often used by people who want time to catch up on past-due mortgage payments. Whether it can help in your situation depends on your income, loan terms, and how far behind you are. We review these details with you and discuss realistic options.

How much does it cost to file Chapter 13?

The total cost of a Chapter 13 case usually includes court fees and attorney fees. At Wagner Law Office, P.C., we offer free consultations and flexible payment plans, so you can start exploring your options without paying upfront to talk with us.

How long will my Chapter 13 case take?

Chapter 13 plans are commonly set for three to five years, depending on your income and other legal factors. The court reviews your proposed plan, and the length is part of that review. We explain expected timelines for your case during your consultation.

Will I still have to talk to creditors?

After a Chapter 13 case is filed, most collection efforts typically must go through the legal process instead of directly through you. Some types of contact can still occur, and certain debts may be treated differently. We explain what to expect in your particular situation.

What should I bring to my first appointment?

It helps to bring recent pay stubs, a list of your debts, and any court or collection papers you have received. If you do not have everything yet, that is fine. We use the first meeting to get an overview and then help you build a more complete picture.

Talk With Our Team Today

If you feel overwhelmed by late notices, collection calls, or the possibility of losing your home or car, you do not have to sort through Chapter 13 alone. A Colorado Springs Chapter 13 bankruptcy attorney at Wagner Law Office, P.C. can help you understand whether a structured repayment plan might give you a clearer path forward.

During a free consultation, we take the time to listen, answer questions, and explain how the process generally works in Colorado, including for people living in Colorado Springs. We also review how our flexible payment plans can fit into your budget, so getting legal guidance feels more achievable.

You deserve straightforward information and a team that treats you with respect. If you are ready to explore your options, even if you are not sure Chapter 13 is the answer, we are here to talk.

Call (303) 536-5124 or contact us online to schedule your free consultation with our Chapter 13 bankruptcy lawyer in Colorado Springs today.