The easiest one is if your unsecured debt—like credit cards and medical bills—is more than one third of your annual income you are a personal bankruptcy candidate. If you are paying your credit card, but then having to use it to buy groceries and gas you are looking at bankruptcy. What I tell my clients, if you are on the fence, is pay everything in cash for a month and pay the credit cards last and see if you even have money left over to pay them. I f you don’t have the money to pay them you are looking at bankruptcy.

If you are from the Denver, Aurora, Arvada, Wheat Ridge, Littleton, Englewood, Northglenn, Westminster, Broomfield, Lakewood, Brighton, Lafayette, or Golden, Colorado area, and are still uncertain about whether to file for personal bankruptcy please feel to contact me at: 303-955-7570, or help@cobankruptcyhelp.com, or fill out the free consultation form.

This is an excerpt from an interview on the show Colorado & Company. You may view the whole interview at: http://wm.kusa.gannett.edgestreams.net/ads/sales/COCO/1249324018580-Heupel%20Law%20Firm%20080309%20.wmv .