Bankruptcy in Denver: 

Experience you can trust.

Over 31 years of Bankruptcy Law Experiance.

Bankruptcy is not as complicated as a successful mission to Mars--but its close.

I have been practicing bankruptcy in Denver, bankruptcy in Aurora, and bankruptcy in Colorado Springs, since 1985.  In fact, I have practiced bankruptcy in every town in our state, except Lakeside, Colorado, which has a population of 8 people. That is where Lakeside Amusement Park is located, the one with the roller coaster that looks like Teddy Roosevelt rode on it.

Based upon how many cops I see hanging out in Lakeside, doling out speeding tickets, if I were one of those 8 residents, I would move.

I started my bankruptcy practice when Ronald Reagan was in office.  That was back when I could get rid of student loans.  Boy, how the bankruptcy code has changed!  Now, it’s tough to get rid of taxes when the returns were filed a day late.

The bankruptcy code dramatically changed in 2005 with the passage of Bankruptcy Abuse Prevention and Consumer Protection Act, a title that would make George Orwell proud.  The legislation was primarily written by lobbyists for the credit card industry.  There are code sections that sound like they were written in a foreign language, then translated to English.  The present bankruptcy code and rules book has 445 pages.

What I do know is, I am very good at what I do.   I am the founding member of the Colorado Consumer Bankruptcy Association.  I am the state advisor to the American Bankruptcy Institute. I’m the state chair of the National Association of Consumer Bankruptcy Attorneys. I am one of only a few certified experts in Consumer Bankruptcy Law in Colorado.  (When I took the exam to become a certified bankruptcy expert, I passed all three tests in one sitting.  But test-taking does not make a good attorney.  Because representing folks in bankruptcy court is war. Or, at the least, a skirmish.)

Bankruptcy law is an adversarial system, as is all law… even fighting a parking tickets.  All creditors have attorneys—mortgage companies, credit card companies, banks, credit unions, the IRS.  And they are not friends of the debtor.  They want their money.  That is why they are called “creditors.”

I have been defending consumers for more than 30 years.  I have more than 60 reported decisions on the books.  That means, judges thought the case I handled was important enough to publish for other attorneys to read.  Admittedly, I lost most of those fights. But I kept fighting, often because I thought the other side was so disagreeable and overreaching.  And sometimes to see if the court would memorialize a bad decision.

Some words about my partner.  Sean Cloyes, Esq. got his Juris Doctorate from the University of Nebraska in 2001. Sean has been practicing bankruptcy law for more than 15 years.  Sean is a former member of the bankruptcy court’s rulemaking committee. Sean has taught legal education courses to other attorneys and paralegals for several years.

Also, Sean is a nice man.  Very pleasant to creditors and trustees, to opposing counsel and strangers on the street.

Sean and I have nothing in common.

If you need debt relief, I encourage you to call my office.  We will sit down and go over your situation, and map out a strategy for the future.  “Knowledge,” as it has been said, “is power.”  We will give you some power over your future.

Why Choose Us?

  • Member Of The National Association Of Consumer Bankruptcy Attorneys
  • Colorado State Chair Of The National Association Of Consumer Bankruptcy Attorneys
  • Flexible Appointment Availability
  • Schedule Now And Protect Your Rights
  • Personal Attention On Every Case
  • Highly Experienced
  • Locally Owned & Operated
  • 30 + Years Experience
  • I Teach Bankruptcy To Other Attorneys
  • One Of Only 3 Certified Bankruptcy Attorneys In Colorado
303-623-HELP (4357)
Berken Cloyes, PC