Real people,
Ready to start
Fighting for you
Today.!
Sick and tired of all the calls? We know that it can be hard to deal with financial stress. We work tirelessly to help see you all the way through bankruptcy and beyond.
That's why we offer FREE bankruptcy consultations and can start bankruptcies for as low as $299!
We also handle settlement negotiations, criminal defense, employment related disputes, mediation, as well as custody, divorce, and other family issues.
We pride ourselves as one of the few firms in the country that specializes in people. We take the assembly line treatment out of law, and work to really understand and remedy our clients condition. We know that YOU ARE NOT YOUR CONDITION. Every day thousands of Americans, with histories of perfect credit scores, wake up to a nightmare of debt. When you have always worked hard to pay your bills on time, it can be scary to suddenly watch them pile up beyond control.
During these times you need an advocate, not just an attorney!
We provide compassion and give every client personal attention. We are a firm that gives every client the extra that they need to get through this hard time. We not only know your court date, but also your anniversary date. We know the name of your case and the names of your kids. Not only do we answer your hard questions and your phone calls, but we provide 24 hour emergency access to all of our clients, so that you have someone to advocate for you even in the most difficult times.
We help you through every aspect of your bankruptcy.
This includes seeking alternatives in the early stages, and post bankruptcy planning. We also advocate for our clients in Bankruptcy litigation when necessary. Many attorneys will abandon you and require you to hire another attorney if your bankruptcy requires any type of litigation, but our office will stay by your side every step of the way. Even when the creditors are harassing you at 9pm at night, we are still there to advocate for your interest through our creditor harassment protection. Let your creditors deal with us!
During stressful times and a stressful economy our offices makes sure that our clients can breathe.
We fight aggressively to save your home, your car, your business, your investments, your family, and everything that you have worked hard to build, so that you can relax. We even provide onsite and after hour consultations.
WE STAY UP LATE SO THAT YOU CAN SLEEP AT NIGHT!
Because we are sensitive to your financial condition, we provide free consultations to all of our clients.
Right now you can get your bankruptcy started for only $299!!
CALL US TODAY, AND GET PEACE OF MIND.
303-872-3249
With 5 office locations to better serve you... we are open in Denver, Aurora/ Centennial, Boulder, Highlands Ranch/ Park Meadows, and Lakewood/ Golden!
Q: What is bankruptcy?
A: Bankruptcy is a process under federal law that allows debtors who owe more money than they can pay to either eliminate their debts or work out a payment plan to pay a portion (or all) of their debts over time.
Q: Will bankruptcy stop all the harassing phone calls and mail from bill collectors?
A: Yes! An "automatic stay" will take effect when you file your case. It will stop the creditor harassment.
Q: Will bankruptcy stop a wage garnishment from a lawsuit over an unsecured debt?
A: Yes. The automatic stay will stop the garnishment.
Q: How long will bankruptcy remain on my credit report?
A: Bankruptcy can remain on your credit report for ten years.
Q: What does "secured" or "unsecured" debt mean?
A: Secured debt is debt that allows a creditor to make a claim on an asset (i.e. home, real property or car). Unsecured debt is held by creditors that have no claim to your assets (i.e. credit cards).
Q: What happens if I file and discover another debt after filing?
A: Your lawyer can amend your case to include any additional debts you may find after the case is filed.
Q: What happens when one spouse files without the other spouse?
A: You need to discuss this carefully with your attorney. The spouse that doesnt file may end up being responsible for some of the debts.
Q: Can I be held responsible for a debt that I co-signed?
A: Yes. You can be held responsible for any debt that you signed an agreed that said you would pay in the event that someone else failed to make the payments (co-signed).
Q: Can all debts be discharged?
A: No. There are certain debts like student loans, government loans, back taxes and other debts that cannot be discharged.
Q: Will I lose my social security payments if I file?
A: No
Q: Am I going to lose my personal property if I file bankruptcy?
A: There are exemptions, both state and federal, that allow you to keep a certain amount of personal property. Your attorney will explain how these exemptions apply to people who file bankruptcy in your state.
Q: Can I pick which debts to put in the bankruptcy?
A: No. You must include all of your debts.
Q: When will I get my discharge?
A: Generally a Chapter 7 bankruptcy discharge is received 60 days after the 341 meeting, or first meeting of creditors. In Chapter 13, your discharge will be sent to you once you have completed the payments under the Chapter 13 plan.
1. Everyone will know I've filed for bankruptcy.
Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good
that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding,
the number of people filing is so massive that very few publications have the space, the manpower or the inclination to run all
of them.
2. All debts are wiped out in Chapter 7 bankruptcy!
You wish. Certain types of debts cannot be discharged and erased. They include child support, alimony, government-issued or
government-guaranteed student loans, and debts incurred as the result of fraud. It's also very unlikely that a judge will
discharge legal settlements you've been assessed, such as money you've been ordered to pay to someone who sued you.
3. I'll lose everything I have.
This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, chief operating
officer of nonprofit, Massachusetts-based Cambridge Credit Counseling Corp.
"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.
While the bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as
your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.
"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy
trustee in New Jersey. If you have a mortgage or a car loan, you can keep those as long as you keep making the payments
(like the rest of us).
4. I'll never get credit again.
Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy
attorney and trustee Howard Ehrenberg. "I don't advise any of my clients to run out and run up the bills again, but if someone does need an automobile, they can go and will be able to get credit. You don't have to go underground or something to get money." However, if you're planning to buy a house or a car, you might want to do that before you file. After bankruptcy, those loans
will be tough to get and the higher interest rate on such a large purchase would have a significant effect on your payments.
Also, if you have a credit card a a zero balance on the day you file for bankruptcy, you don't have to list it as a creditor since you don't owe any money on it. That means you might be able to keep that card even after the bankruptcy.
5. If you're married, both spouses have to file for bankruptcy.
Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says.
However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the
creditor will simply demand payment for the entire amount from the spouse who didn't file.
6. It's really hard to file for bankruptcy.
It's really not. You don't even technically need an attorney. However, it's not recommended to go through the procedure
without one.
7. Only deadbeats file for bankruptcy.
Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've
struggled to pay their bills for months and just keep falling further behind.
8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday and if the debt is discharged, I can't ever repay them.
Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have that opportunity. If your conscience won't let you sleep nights because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But bankruptcy is an all-or-nothing deal, so you have to include all your creditors in the petition.
9. Filing for bankruptcy will improve my credit rating because all those debts will be gone.
That sounds like an ad for a bankruptcy lawyer trolling for clients. Filing for bankruptcy is the worst 'negative' you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years.
10. You can't get rid of back taxes through bankruptcy.
Generally speaking, this is true. However, there is such a thing as tax bankruptcy, says tax educator Eva Rosenberg, known on the Web as Tax Mama. To get a shot at it, you have to file all your returns and the taxes owed need to be at least three years
old.
11. You can only file for bankruptcy once.
You can file for bankruptcy more than once, but the bankruptcy law that went into effect in October 2005 lengthened the required wait between filings. You can only file for Chapter 7 bankruptcy once every eight years. You have to wait two years to repeat a Chapter 13 filing and four years between a Chapter 7 and a Chapter 13 case. Of course, that doesn't make it a good idea. "Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.
12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.
That's called fraud and bankruptcy judges can get really cranky about it. The trustee in your case will review all your purchases right before your filing. The trustee knows what to look for!!!
Set up your free bankruptcy consultation by contacting us today (there are consultation fees for other practice areas). In the form below please include your NAME and your EMAIL.
In the SUBJECT LINE indicate the OFFICE and DATE you would like to schedule your consultation in the following format: "Bankruptcy Consultation Request in the Denver Office for January 5th". Keep in mind that it is much easier for us to accomodate you in our Aurora office, which is our headquarters.
In the Message Portion please leave your telephone number and a short description of your circumstance.
We will call you within 24 hours, during business hours to confirm your appoinment.
We are open Monday - Friday from 9am - 5pm, and we also have weekend and after hour availibility by appointment as we can relate to working late!!!
Nitche Ward
Denver, Colorado
Nward_thewardlaw.com
Juris Doctor:
University of Denver Sturm College of Law
Bachelor of Science, Criminal Justice:
North Carolina Central University
Admitted to the Colorado Supreme Court and
Colorado US District Court,
Interstate Registration- North Carolina
Nitche Ward has been working to protect the rights of families facing financial hardships and the accused for over a decade. In 1998, she began her studies in Criminal Justice at North Carolina Central University. She went on to organize with organizations such as Critical Resistance, and the BlackOut Arts Collective, both nationally active organizations that fight for the rights of the accused and aggressively campaign to abolish the Criminal Industrial Complex. In 2002 she started working with the National Organization for Women, the largest womens organization in the world, organizing protest and demonstrations to protect the rights of women, families seeking economic stability, communities of color, and organizing around programs such as the Women in Prison Project.
Ward graduated from the University of Denvers Sturm College of Law with the same passion. Having a background in performance and being ranked internationally in the top five female slam poets and orators in the world, by Poetry Slam, Inc, she marries her background in performance and oral persuasion with her dedication to law and justice in order to aggressively fight for the rights of financially struggling families and the accused. While balancing positions such as, President of the Black Law Student Association and President of the Law Students for Choice, within a few years she developed a reputation as one of the top female trial dogs at DU.
Ward continued to work aggressively to defend civilly and criminally beyond law school. She used her skills to work with the Rocky Mountain Survivor Center, one of the few offices in the country with a 100% success rate in Asylum Defense work, a phenomenal achievement when the national success rate is barely over 50%. She also worked for U.S. District Court Judge, Wiley Daniel, and DUs Criminal Defense Clinic, one the top clinics in the country. She continues to work to defend financially struggling families in Colorado in Bankruptcy, Criminal, and Family law, among other areas.
Terms and Conditions:
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(2) CAUTION: Clients must NOT make a payment using a 'credit' (as opposed to a 'debit') card. Use of a 'credit' card by a client (as opposed to a 'debit' card) to make payment on a bankruptcy filing may be fraudulent.
(3) Payments on behalf of a client: If you are NOT our client, it is O.K. for you to make a payment to our law firm on behalf of a client using a regular 'credit' (as opposed to a 'debit') card. If you are not our client and want to make a 'credit' card payment, please: Click the button to your right To Make A Credit Card Payment
(4) The debit card must contain, on the face of the card, one of the following logos: Visa, Mastercard, American Express OR Discover. Fortunately, this includes most Debit Cards.
(5) Payments only for existing clients: This screen is only to be used for making payments by (or on behalf of) people who are already clients of our law firm. Making a payment on behalf of a person who is not a client of our law firm will not, by itself, create an attorney-client relationship.
Click the buttom below to make a payment with your debit card (or your credit card if you are not a bankruptcy client). A new page will open and a reciept will be emailed to you.
Set Up Your Confidential Free Consultation Today!
Phone: 303-872-3249
Fax: 866-376-3951
Email: Nward_thewardlaw.com
Office Locations:
HEADQUARTERS: AURORA/ CENTENNIAL
2851 S. Parker Rd Suite 550
Aurora, Colorado 80014
DENVER
Dominion Towers
600 17th Street Suite 2800 South Tower
Denver, Colorado 80202
BOULDER/ DOWNTOWN
1942 Broadway, Suite 314
Boulder, Colorado 80302
HIGHLANDS RANCH/ PARK MEADOWS
9233 Park Meadows Drive
Lone Tee, Colorado 80124
LAKEWOOD/ GOLDEN
1767 Denver West Blvd. Suite A
Golden, Colorado 80401
