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How to File Bankruptcy for Free in Colorado (2020 Guide)

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In a Nutshell

10 step guide on how to file Chapter 7 bankruptcy in Colorado without a lawyer. This guide provides an overview of the bankruptcy process for filers seeking debt relief in the Colorado Bankruptcy Court.

Written by Attorney Andrea Wimmer.  
Updated December 9, 2020


Colorado has one of the strongest economies in the nation and higher than average income, making it a great place to be if your income is in line with the cost of living. If your income is not enough to make ends meet every month because you are paying most of it to your creditors, without ever getting ahead, the protections offered by the Bankruptcy Code may be the way for you to get back on track. Bankruptcy protects people from their creditors, albeit in different ways depending on which type (or "chapter") of bankruptcy they file. Chapter 7 bankruptcy in Colorado allows people who lack the means to make any meaningful headway in paying down their debts to get a fresh start. Rick Upchurch was able to get Chapter 7 relief after his business fell apart during the 1982 player's strike. Similarly, after the tides turned and former Denver Bronco Clinton Portis found himself with more debt than he could handle, despite having despite having been the highest paid running back in NFL history as recently as 2004, he utilized Chapter 11 bankruptcy to reorganize his finances. No two bankruptcies are alike and only you can tell whether filing a Chapter 7 bankruptcy in Colorado is the right path for you and reading guides such as this one is the perfect place to start reviewing your options.

How to File Bankruptcy in Colorado for Free

While it's not for everyone, you can file a Chapter 7 bankruptcy in Colorado for free if you file without an attorney ("pro se") and qualify for a fee waiver. The court filing fee of $338, normally due from everyone filing Chapter 7 in Colorado, can be waived if your income is below a certain threshold and you are unable to pay it in installments.


Collect Your Colorado Bankruptcy Documents

Getting organized early can help you feel more in control as you go through the process, so it’s a great place to start. The bankruptcy forms ask for a lot of different information. None of it is hard to figure out, but you’ll need to look some of it up. 

Getting a copy of your credit report is both free and a great place to start. That, combined with any recent debt collection letters, credit card bills, and other notices from collection agencies will help you provide a complete listing of all your debts to the bankruptcy court. 

To make sure your income is properly calculated, get a copy of every paycheck stub you received in the last 6 months and your most recent federal income tax return.

Take Credit Counseling

To make sure that you understand all debt relief options available in Colorado, you’ll have to take a credit counseling class. It takes about an hour to complete and when done, you’ll get a certificate of completion to give to the court. The certificate is valid for any bankruptcy case filed within 6 months from the date of the credit counseling course. 

The U.S. Trustee publishes a listing of every credit counseling agency that is approved to offer this course to people filing bankruptcy in the District of Colorado. There’s one provider who offers the course in person, but if you're not near the Highlands Ranch area it may not make sense to make the trip. 

There is a small fee for the credit counseling course, but if your monthly income is below the poverty level, you can ask for a waiver. If you don’t qualify for a fee waiver, the most you’ll have to pay is $50. 

Complete the Bankruptcy Forms

Your bankruptcy forms tell the court and your bankruptcy trustee what they need to know about your situation. Making sure that you get it right, by answering all questions truthfully, will go a long way towards helping your case progress more smoothly. The Colorado Bankruptcy Court has published a form packet that includes all the forms you need to complete when filing Chapter 7 bankruptcy in the District of Colorado. The bankruptcy court also offers Pro Se Clinics to people thinking about filing bankruptcy in Colorado without an attorney, but these clinics are not designed to help you complete the forms.

If you hire a bankruptcy lawyer, their office will do the majority of the legwork related to inputting your information correctly. You can also hire a bankruptcy petition preparer (or BPP) to help you. But, remember they’re not allowed to give you legal advice and don’t hire anyone on this list of BPPs that are not allowed to assist folks filing bankruptcy in Colorado anymore. If you can’t afford to pay a bankruptcy lawyer, see if you’re eligible to use Upsolve’s free web tool to prepare your bankruptcy forms.

Get Your Filing Fee

The U.S. bankruptcy court system charges a $338 filing fee for Chapter 7 bankruptcy cases. This is due when the bankruptcy petition is submitted to the court. If you’re trying to stop a garnishment and can’t wait to file your case, you can ask to pay the filing fee in installments by submitting this application with the rest of your documents. But be prepared to pay the first $125 installment within 2 weeks and follow the court’s payment plan for the rest.

If you can’t afford the filing fee even after the automatic stay protects you from wage garnishment and other collection activities, and your household income is less than 150% of the poverty line, you can ask the court to waive your fee. In that case, make sure you submit this application for a fee waiver to the court with your bankruptcy forms. 

The first thing you should print is the first page in the court's form package: A list of all the forms necessary when filing Chapter 7 in the District of Colorado. This will help you stay on track and make sure you didn't miss anything, especially if you have the different forms saved as separate files on your computer.  

While it may feel wasteful not to, don’t print your forms double-sided. Additionally, even though it's important to keep all of the documents organized and in order, you don’t staple anything; that makes processing your paperwork harder on the court staff. 

The creditors' matrix can be submitted to the clerk's office via email or with this tool on the court's website.

Go to Court to File Your Forms

The majority of bankruptcy courts in the United States only allow bankruptcy attorneys to submit documents online. Traditionally, bankruptcy filings by unrepresented filers have to be submitted in person or through the mail. Unfortunately, the courthouse is located inDenver, which makes it an inconvenient place for anyone not in the Denver metro area. 

Recognizing that a mailing delay can harm filers in the Centennial State, the Colorado Bankruptcy Court has developed a separate online filing system called I-File for folks filing without a bankruptcy lawyer (“pro se”). 

Using the I-File system allows you to transmit all the necessary documents to the Colorado Bankruptcy Court online but having to go through the complicated online bankruptcy filing system that bankruptcy lawyers use.

Mail Documents to Your Trustee

The bankruptcy trustee is the person that is handling your case to make sure bankruptcy law is followed and that your creditors are treated fairly. Bankruptcy trustees are randomly assigned to cases. Among other things, the trustee verifies that the information in forms submitted to the bankruptcy court is correct. 

Although the bankruptcy trustee doesn’t work for you, you have to cooperate with them. At minimum, this means you’ll have to send your most recent federal income tax return to your case trustee no later than one week before your 341 meeting takes place. Many trustees across the United States also request additional information, like bank statements or paycheck stubs, during the bankruptcy process.

Take Bankruptcy Course 2

To get your Chapter 7 bankruptcy discharge, you have to take bankruptcy course 2. This course focuses on financial management and aims to provide you with some helpful tools for managing your finances going forward. 

While it’s not really a hard deadline, most folks find it helpful to complete the course before their creditors’ meeting, so as to not forget later. If you do forget to take this course (or to file your certificate of completion after taking it) the bankruptcy court may close your case without entering your discharge first. No discharge = no debt relief. 

As before, it’s very important to shop around for a provider that is approved to offer this post-bankruptcy financial management course to folks filing bankruptcy in Colorado.

Attend Your 341 Meeting

Everyone filing bankruptcy has to attend a so-called 341 meeting, or creditors’ meeting about a month after filing their case with the bankruptcy court. Although the Colorado Bankruptcy Court is located in Denver, your 341 meeting will be scheduled at a location closer to where you live. You will be notified about your creditors meeting a few days after filing your case when the court sends you Form 309A

When you receive this notice, make sure you pay attention to the date, time and location of your creditors meeting, so you don't miss it. Other than showing up, bringing your picture ID and acceptable proof of your social security number is probably the most important part. 

After reviewing your IDs, the bankruptcy trustee puts you under oath and asks you a series of questions. The questions are the same for everyone. Your creditors are allowed to attend your 341 meeting and ask questions, but that rarely happens. Most of these meetings are over in 5 - 10 minutes. 

Dealing with Your Car

Your car plays two roles in your Colorado bankruptcy case. First, it’s an asset. As long as your car is worth less than $7,500 (or $12,500 if you or your dependent are elderly or disabled), it’s protected by Colorado exemptions. Exemptions are important for cars that are paid off or close to paid off. 

If you’re still making payments on your car, federal law allows you to choose how you want to handle it. If the car isn’t worth much, especially when compared to the balance on your car loan, you can surrender or redeem it. Either way, your obligation to pay the car loan is eliminated. 

If it makes sense to keep the car even with the current car loan, you can reaffirm the loan and keep things essentially the same as before your bankruptcy filing. Either way, the Bankruptcy Code gives you the option to deal with your car loan in a way that makes the most sense for you and your family.

Colorado Bankruptcy Means Test

The Colorado bankruptcy means test is the calculation that helps the court make sure that only folks who really need relief under Chapter 7 can actually file a Chapter 7 bankruptcy in Colorado. It first compares your household income with the applicable income limits for Colorado. If you make less than the median household income for a household of your size, you pass the means test. If you make more money than that, you may nevertheless qualify to file a Chapter 7 bankruptcy in Colorado if part two of the Colorado bankruptcy means test determines that, given your specific circumstances, you are unable to pay even a portion of your debts over the next five years.

Data on Median income levels for Colorado

Colorado Median Income Standards for Means Test for Cases Filed On or After May 1, 2021
Household SizeMonthly IncomeAnnual Income
1$5,647.33$67,768.00
2$7,348.17$88,178.00
3$8,018.58$96,223.00
4$9,622.75$115,473.00
5$10,372.75$124,473.00
6$11,122.75$133,473.00
7$11,872.75$142,473.00
8$12,622.75$151,473.00
9$13,372.75$160,473.00
10$14,122.75$169,473.00

Data on Poverty levels for Colorado

Colorado Fee Waiver Eligibility for Cases Filed On or After May 1, 2021

Eligible for fee waiver when under 150% the poverty level.

Household SizeState Poverty LevelFee Waiver Limit (150% PL)
1$1,073.33$1,610.00
2$1,451.67$2,177.50
3$1,830.00$2,745.00
4$2,208.33$3,312.50
5$2,586.67$3,880.00
6$2,965.00$4,447.50
7$3,343.33$5,015.00
8$3,721.67$5,582.50
9$4,100.00$6,150.00
10$4,478.33$6,717.50

Colorado Bankruptcy Forms

All Colorado Chapter 7 bankruptcy forms are available, for free, as a single 85-page packet on the court's website. You can also obtain fillable pdf copies of all national forms, complete with a set of instructions, for free online. If you are not relying on the court's filing packet, instead using the national form bank for your Chapter 7 bankruptcy in Colorado, make sure you use this use local form when filing your paycheck stubs with the court.

District of Colorado Requirements

Those filing a Colorado bankruptcy without an attorney are required to provide the court with the name and mailing address of all of their creditors in a very specific format, explained here. In addition, the local rules require that you file a detailed notice about the changes you are making if you are amending the initial paperwork filed in your Chapter 7 bankruptcy in Colorado. If you are unsure about any of the filing requirements for your Colorado bankruptcy, you can contact the court to learn more, but remember, court staff cannot give you any legal advice or help you fill out your forms.

Colorado Bankruptcy Exemptions

When you file Chapter 7 bankruptcy in Colorado, the applicable exemptions protect certain property you own from being sold by the trustee for the benefit of your creditors. Unlike some states, Colorado bankruptcy laws require everyone to use Colorado bankruptcy exemptions instead of the exemptions outlined in the Bankruptcy Code. The available exemptions include a homestead exemption for up to $75,000 (or $105,000, if the home is occupied by an elderly or disabled owner or dependent of the owner) and protections for personal property, capped at varying amounts, for items such as furniture, clothes, jewelry, and provisions. If you are having a hard time matching your assets to the Colorado bankruptcy exemptions, you should consider talking to a lawyer to make sure you are as protected as you can be.

Colorado Bankruptcy Lawyer Cost

If you prefer to hire a lawyer for your Colorado bankruptcy, you should make an appointment for a free consultation with some law firms in your area to find out the cost of a bankruptcy lawyer for a case like yours. On average, Chapter 7 bankruptcy in Colorado costs approximately $900 in legal fees. Keep in mind, however, that every case is different so you won't know how much your Colorado bankruptcy will cost until you speak to a lawyer about it.

  • Attorney cost estimate: $599 – $1,200

Chapter 7 bankruptcy in Colorado can be a stressful process in the best of circumstances, and while some folks have little problem navigating the bankruptcy system without a lawyer ("pro se"), you may not feel up to the task. If you can't afford a lawyer, you should check if you qualify for Colorado legal aid instead. Legal aid in Colorado includes organizations throughout the state that assist low-income folks deal with non-criminal legal issues, including Colorado bankruptcy cases.

Colorado Legal Services
(303) 866-9399
1905 Sherman Street, Suite 400, Denver, CO 80203

Upsolve
Nationwide Service (NYC Office)

Colorado Court Locations

United States Custom House

United States Custom House
720-904-7300
721 19th Street Denver, CO 80202

Colorado Judges

Colorado Bankruptcy Judges
DistrictJudge Name
District of ColoradoHon. Michael E. Romero
District of ColoradoHon. Elizabeth E. Brown
District of ColoradoHon. Thomas B. McNamara
District of ColoradoHon. Cathleen D. Parker
District of ColoradoHon. Joseph G. Rosania
District of ColoradoHon. Kimberley H. Tyson

Colorado Trustees

Colorado Trustees
TrusteeContact Info
Robertson B. Cohentrusteecohen@cohenlawyers.com
(303) 933-4529
Tom H. Connollytom@clpc-law.com
(303) 661-9292
Daniel A. Hepnerd.hepner@dah-law.com
(303) 444-5141
Jeffrey L. Hilljeffreyhillpc@gmail.com
(303) 805-1478
Jeanne Yendrek Jagowtrustee@jagowlaw.us
(303) 798-1255
Dennis W. Kingljddwklaw@aol.com
(303)751-3200
Kevin P. Kubiekevin@kubielaw.com
(719) 545-1153
David E. Lewisdavid@davidlewispc.com
(303) 666-1217
Joli A. Lofstedtjoli@clpc-law.com
(303) 661-9292
Lynn T. Martinez
(719) 542-6707
M. Stephen Peterspeters@msplaw.org
(303) 422-8501
Simon E. RodriguezLawyercolo@aol.com
(303) 969-9100
Harvey Senderhsender@sendersmiley.com
(303) 454-0525
John C. Smileysmiley@sendersmiley.com
(303) 454-0508
David V. Wadsworth, IIdwadsworth@wwc-legal.com
(303) 296-1999
Jared C. Waltersjcwalters7@gmail.com
(970) 456-3395
Jeffrey A. Weinman jweinmantrustee@outlook.com
(303) 572-1010


Written By:

Attorney Andrea Wimmer

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Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team as Managing Editor. While in private practice, Andrea handled... read more about Attorney Andrea Wimmer

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