Colorado Springs · CO · Vetted Directory

Top Bankruptcy Lawyers in Colorado Springs

If debt collectors, a garnishment, or a looming foreclosure brought you here, bankruptcy may be a tool, not a failure. Bankruptcy is federal, filed in the U.S. Bankruptcy Court for the District of Colorado, but Colorado's own exemption laws decide what you keep. Colorado protects up to $250,000 of home equity under its homestead exemption ($350,000 if you or a dependent is 60 or older or disabled). Below are vetted Colorado Springs bankruptcy firms handling Chapter 7 and Chapter 13.

$250k
CO Homestead Exemption
$338 / $313
Ch. 7 / Ch. 13 Filing Fee
$1k-$1.8k
Typical Ch. 7 Fee
Free
Case Review

Updated June 3, 2026

When bankruptcy makes sense in Colorado Springs

Bankruptcy is not the answer for every debt, but it can be the right move when:

  • Your wages are being garnished or your bank account was frozen by a creditor or judgment.
  • You are behind on a mortgage and facing foreclosure, and you need time and a plan to catch up (Chapter 13 can do this).
  • You have more credit card, medical, or personal-loan debt than you can realistically pay off in a few years.
  • Collectors are calling constantly and you want the automatic stay that stops collection the moment you file.
  • A car is about to be repossessed and you need to reorganize rather than lose it.
  • You have been sued over a debt and a judgment is about to be entered against you.

Bankruptcy is not right for everyone. Some debts, like most student loans, recent taxes, and child support, usually survive it. A good first step is a free consultation where a lawyer runs the means test and tells you honestly whether Chapter 7, Chapter 13, or neither fits your situation.

What bankruptcy costs in Colorado Springs

Most consumer bankruptcies are flat-fee, plus the court's filing fee:

$1k-$1.8k
Chapter 7 attorney fee
$3k-$4.5k
Chapter 13 attorney fee
$338
Chapter 7 court filing fee
$313
Chapter 13 court filing fee

Chapter 7 attorney fees are usually paid before filing. Chapter 13 fees are often partly rolled into your 3-to-5-year repayment plan, so you pay less up front. The court filing fees are set nationally and can sometimes be paid in installments or waived in Chapter 7 if your income is very low. Be cautious of any firm that quotes a price far below these ranges, and get the fee and what it covers in writing.

How long bankruptcy takes

The two chapters move on very different timelines:

  • Chapter 7: most cases close in about 3 to 4 months from filing, with a single meeting of creditors along the way.
  • Chapter 13: a 3-to-5-year repayment plan, after which qualifying remaining debt is discharged.
  • The automatic stay: stops most collection, garnishment, and foreclosure activity the moment you file, often within hours.
  • Credit recovery: a bankruptcy stays on your report for up to 7 to 10 years, but many people start rebuilding within a year or two.

The sooner you talk to a lawyer, the more options you usually have, especially if a foreclosure or garnishment is already underway. For a national overview, see our bankruptcy guide, or browse all Colorado Springs lawyers.

Colorado Springs firms that handle bankruptcy

1

Wagner Law Office, P.C.

Colorado SpringsBankruptcy-focusedChapter 7, Chapter 13

A Colorado Springs firm concentrating on consumer bankruptcy, handling Chapter 7 and Chapter 13 for individuals and families. Best for filers who want a lawyer who does bankruptcy day in and day out rather than as a sideline.

Free ConsultationFlat fee
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2

Law Office of Stephen H. Swift, P.C.

Colorado SpringsEstablished practiceChapter 7, Chapter 13, debt relief

A long-running Colorado Springs bankruptcy practice handling Chapter 7 and Chapter 13 filings. A strong choice for people who want an established local firm familiar with the District of Colorado's procedures.

Free ConsultationFlat fee
Request Free Consult
3

McLaughlin Bankruptcy

Colorado SpringsBankruptcy-focusedChapter 7, Chapter 13

Led by John A. McLaughlin, Jr., this Colorado Springs firm focuses on consumer bankruptcy and debt relief. Best for filers who want a bankruptcy-only practice and direct attorney contact.

Free ConsultationFlat fee
Request Free Consult
4

Robinson & Henry, P.C.

Colorado Springs + Front RangeFull-service firmBankruptcy, debt, foreclosure defense

A larger Colorado firm with bankruptcy, debt, and foreclosure-defense practices and offices along the Front Range. A reasonable option if your debt problem overlaps with a foreclosure, family, or other legal matter.

Consultation by appt.Flat & hourly
Request Free Consult
5

Rogue Mountain Law, LLC

Colorado SpringsSmaller firmChapter 7, Chapter 13, debt relief

A Colorado Springs firm handling consumer bankruptcy and debt relief with a small-firm, client-direct model. Best for people who want a personal, approachable filing experience.

Free ConsultationFlat fee
Request Free Consult
6

Robert J. Doig, LLC

Colorado SpringsSolo practiceChapter 7, Chapter 13

A solo Colorado Springs bankruptcy attorney handling Chapter 7 and Chapter 13 filings, where the lawyer you meet is the one who handles your case. A solid choice if you prefer working with a single attorney throughout.

Free ConsultationFlat fee
Request Free Consult

See the full ranked write-up in our Top 10 bankruptcy lawyers in Colorado Springs guide. Firm details are gathered from public sources; ratings not shown are not yet aggregated.

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Bankruptcy in Colorado Springs - FAQ

Will I lose my house if I file bankruptcy in Colorado?
Usually not. Colorado's homestead exemption protects up to $250,000 of equity in your home, rising to $350,000 if you, your spouse, or a dependent is 60 or older or disabled. If your equity is within that limit and you stay current on the mortgage, you generally keep the house in Chapter 7. Chapter 13 can also let you catch up on missed mortgage payments over time and stop a foreclosure.
Chapter 7 or Chapter 13, which one is for me?
Chapter 7 wipes out most unsecured debt in about 3 to 4 months if you pass the means test, which compares your income to Colorado's median. Chapter 13 is a 3-to-5-year repayment plan, used when you earn too much for Chapter 7 or need to catch up on a mortgage or car. A lawyer runs the numbers at a free consultation and tells you which fits.
How much does a bankruptcy lawyer cost in Colorado Springs?
Chapter 7 attorney fees typically run $1,000 to $1,800, usually paid before filing. Chapter 13 fees run roughly $3,000 to $4,500 and are often partly paid through the repayment plan. On top of that, the court charges a filing fee of $338 for Chapter 7 and $313 for Chapter 13. Be wary of quotes far below these ranges.
What happens to collection calls and garnishment when I file?
Filing triggers the automatic stay, a federal court order that stops most collection activity immediately, including calls, lawsuits, wage garnishment, and foreclosure sales. Creditors who keep collecting after the stay can be penalized. This is one of the main reasons people in active garnishment file when they do.
Where is the bankruptcy court for Colorado Springs?
Bankruptcy is federal and filed in the U.S. Bankruptcy Court for the District of Colorado. Colorado Springs cases are administered through that court, and your meeting of creditors is typically handled by a trustee assigned to your case. Your lawyer files electronically and tells you where and how your meeting takes place.
Which debts does bankruptcy not erase?
Some debts usually survive: most student loans, recent income taxes, child support and alimony, and debts from fraud or certain court judgments. Bankruptcy is strongest against credit cards, medical bills, personal loans, and old utility or deficiency balances. A lawyer can tell you how much of your specific debt would actually be discharged.

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