Colorado Bankruptcy

This page provides information and resource links for Colorado bankruptcy.



If you are not looking for information regarding filing bankruptcy in Colorado, please use the links on the left to track down information for your state.



Bankruptcy Courts - Location and Contact Information

Following is the address and telephone number for the Colorado bankruptcy court:

U.S. Bankruptcy Court
721 19th Street
Denver, CO 80202-2508
(720) 904-7300

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Colorado Bankruptcy Laws and Exemptions

Colorado Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

For Colorado bankruptcy filings, state exemptions are used. Click the following links for some common exemptions under Colorado law: homestead exemptions and personal property exemptions.

Contact a Colorado bankruptcy lawyer for more information regarding Colorado bankruptcy exemptions.

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Colorado Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Colorado Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Colorado must:

1. take a credit counseling course from an approved Colorado credit counseling providerwithin six months before filing bankruptcy; and

2. complete a debtor education course from an approved Colorado debtor education agency prior to receiving a bankruptcy discharge.

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Colorado Personal Bankruptcy Attorneys

To find lawyers in your area, you may want to contact your local county bar association or the Colorado State Bar Association:

Colorado Bar Association
1900 Grant Street, Suite 900
Denver, CO 80203
(303) 860-1115

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the Colorado Legal Service's website for a list of organizations that provide legal services to low income clients in Colorado.

If you are concerned about the representation provided to you by a Colorado bankruptcy attorney, contact:

Colorado Supreme Court Office of Attorney Regulation
(303) 866-6410 or (877) 888-1370

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Additional Resources

U.S. Bankruptcy Court for the District of Colorado - administrative and procedural information for Colorado bankruptcy filings

Office of the U.S. Trustee for Region 19 - oversees the administration of Colorado personal bankruptcy cases and case trustees

Colorado State Bar Association - information about the Colorado bar, membership, ethics, continuing legal education, and resources for the public.

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