Zero Down for Filing Chapter 7 Bankruptcy.
*Only if eligible and qualify financially

Let's Get Your Life Back! Attorney Shultz Is Dedicated to Helping His Clients

Bankruptcy Law Firm in Denver

Proudly Serving Clients of all Backgrounds throughout Colorado

If you are looking to file a bankruptcy case to get out of debt and obtain a fresh start, please reach out to The Law Offices of Jonathan P. Shultz so our highly skilled legal team can get to work for you today. We know that the burden of unpaid debts can be both stressful and overwhelming, especially if you are facing foreclosure, repossession, or wage garnishment. We are committed to using our firm’s extensive resources and years of experience to help those in financial distress take control of their situation and get their life back on track. 

It is important to understand that bankruptcy is not always the right solution for everyone, which is why you need to consult with our experienced attorneys before filing for bankruptcy. We will gladly take the time to discuss all of your concerns to make sure you get answers to your questions and understand your options and what it takes to qualify for bankruptcy.

The First Step Towards Debt Relief Is Contacting Attorney Shultz

Give us a call today at (303) 625-7995 or contact us online to set up a consultation to learn more about our legal services and the flexible payment terms we offer for individuals throughout Colorado.

Bankruptcy Cases We Handle

Since 2011, we have been providing comprehensive and reliable legal services for clients who need help filing for bankruptcy. We have strong empathy for financially downtrodden people, which is why our firm has handled nearly 500 bankruptcy cases for clients in the greater Denver area.

Many Americans wrongly view bankruptcy as a financial scar that will mark them as a failure for the rest of their life. Despite the stigma of being in debt, bankruptcy is a vital fallback in an unforgiving economy. In fact, our founding attorney, Jonathan P. Shultz, has filed bankruptcy himself and knows firsthand how life-changing and beneficial it can be if you can no longer afford to keep up with your debt.

There are several chapters under the Bankruptcy Code, but the two most common types of bankruptcy cases are Chapters 7 and 13. Chapter 7 bankruptcy  is often referred to as “straight bankruptcy” or “liquidation.” It primarily involves discharging or eliminating your unsecured debts. Chapter 13 bankruptcy involves restructuring your debts to consolidate them into a monthly payment plan for three to five years. After the repayment plan is completed, all remaining debts will be discharged.


We can help you make an informed decision about whether bankruptcy is the right option for you and which chapter you should file for. Call (303) 625-7995 today to speak to our legal team.


  • Inclusive
  • Pro-Union
  • Empathetic
  • Passionate

Credit Card & Medical Debt 

Are you getting calls from creditors or collection agencies because you can't afford to pay off your credit card and medical debt

If you file for either Chapter 13 or Chapter 7 bankruptcy, the federal court will issue an order, called an automatic stay, which informs all of your creditors that they cannot continue repossessing your property and funds. Debt incurred from medical expenses also typically qualifies as unsecured debt and is dischargeable through bankruptcy. 

Even if you don’t file bankruptcy, you still have rights if you are being sued by credit card companies or debt collectors. We proudly represent clients across Denver and Arapahoe County and will gladly help you explore all of your options.

Legal Awards
  • Expertise - Best Bankruptcy Lawyers in Centennial
  • Avvo Rating

Wage Garnishment & Foreclosure Defense 

If you fail to keep up with your debts, then creditors and government agencies can garnish your wages and force your employer to deduct funds from your paycheck until the entire debt is paid off. Past-due debt from credit card debt, medical bill debt, lease defaults, tax debt, and student loan debt can result in wage garnishment.

A mortgage company can seize your property if you are behind on your payments. The mortgage company can then hold onto your house until the lienholders eventually sell it off to pay the rest of the mortgage.

One of the most advantageous methods of stopping wage garnishment and foreclosure is filing for bankruptcy. All collection actions and foreclosure on your home must cease once the automatic stay is issued after filing for bankruptcy.

Student Debt Management

There are two main categories of student loans: Federal and private. Federal student loans are backed by the federal government and are highly regulated, while private student loans are issued by well-known banks, like Citigroup or Chase Bank. Private student loans usually have higher interest rates than federally backed loans.

If you are unsure of what type of loans you have, contact The Law Offices of Jonathan P. Shultz so we can assess your situation and determine if you are eligible to negotiate your debt with lenders. 

Call (303) 625-7995 to Request a Free Consultation 

We are aware that people who are considering filing for bankruptcy are in a very tough spot financially and are often concerned with the price of legal representation. At The Law Offices of Jonathan P. Shultz, we have very low overhead costs, which allows us to pass the savings on to you!


To schedule a consultation to discuss your debts and possible solutions to regain financial stability, please call (303) 625-7995 or contact us online. You will typically receive a return call the same day, or within 24 hours.


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