Dear Parker: Based on the facts you present, you may be premature in your assessment. If you attempt to make a contract claim, you will have to...

Can I turn over a vehicle without being penalized if I did not sign a reaffirmation agreement during my bankruptcy?

Dear Colorado Springs: Under the facts which you present, you should be able to surrender the vehicle without any serious adverse action /...

Am I guilty of contemt?

Dear Grand Junction: You may want to consult with counsel. A contempt motion is nothing to treat lightly. As for the facts, you need to...

How long before they start the foreclosure process?

Dear Denver: I believe that you should consult with your bankruptcy attorney. You may want to consider a modification of your Ch. 13 plan to...

Can I file a response myself to a Denver district court summons from a mortgage company for default

Dear Denver: You can answer the complaint yourself. You would plead a "special defense" or "affirmative defense" of payment. Be careful,...

How do i deal with getting rid of the second mortgage after a forclosure?

Dear Denver: In sum, the holder of your "second mortgage" has no "in rem" or real property rights left in the property which acted as collateral...

My home in another state has been up for short sale for 2 1/2 years. What is taking so long when someone else is interested?

Fear Bloomfield: As a result of your husband's death, the titling to the property may well have changed. I recommend that you confirm the...

Dear Fort Collins: The counsel who have answered your question have provided you with solid information. Your counsel should timely respond...

If a couple is still legally married, but not living together, and the husband gives the wife a debt card to use, is the wife

Dear Pagosa Springs: As to the creditor, it depends on what the contract says as to whether you would have any "personal" liability. It is...

I want to withdraw my recent BK and re0enter in 3 months is this possible in the state of Colorado?

Assuming that you are in bankruptcy voluntarily, and further assuming that you are in a Chapter 7 case, the way to attempt to stop the bankruptcy...