A fresh start is closer than you think! Wage garnishment. Creditor calls. Sleepless nights. I've helped hundreds of Coloradans put all of that behind them. Whether you're dealing with medical bills, foreclosure, or mounting credit card debt, I'll help you find the path forward. Good people fall into debt. I help them get out. It only takes one job loss, one medical crisis, or one run of bad luck. After 15+ years helping Colorado families, I've seen it all. Let me show you what's possible.

Top 5 Bankruptcy Myths

Myth #1: I'll never qualify for a loan or credit card again. False. It's not unusual to receive solicitations for low balance, high-interest rate credits cards in the months following your bankruptcy. If you make your payments on time and don't default on your accounts, your credit score will go up. You will qualify for loans and larger lines of credit after establishing a positive payment history.

Myth #2: Only failures file for bankruptcy. False. I don't think Abraham Lincoln, Walt Disney and Benjamin Franklin are considered failures by anyone and they all filed bankruptcy. All it takes is a little bad luck.

Myth #3: They will take everything I own if I file bankruptcy. False. For many of my clients, I can protect everything they own using the bankruptcy exemptions. There is a Colorado exemption for equity in your house. There are also exemptions for household goods, jewelry, vehicles and many other personal property items.

Myth #4: I have to be broke and behind on my debts to file bankruptcy. False. There is no requirement that you be behind on your payments in order to file bankruptcy. If you are unable to pay your mortgage, credit card bills, car loans, medical bills, or credit cards, it may be time to consider filing bankruptcy.

Myth #5: Everyone will know I have filed for bankruptcy. False. Unless you're a celebrity or a major corporation and the filing is picked up by the media, it is likely that the only people who will know about your bankruptcy filing are your creditors and the people who you tell. While it's true that your bankruptcy is a matter of public record, the likelihood that anyone other than your creditors will know you filed is very small unless someone is specifically trying to track down information on you.

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It was a real pleasure working with Chris! He made a difficult situation easy to handle. I'm so glad I called Chris! Susan A., Northglenn, CO

Chris handled my issues with professionalism and dedication. Chris is extremely knowledgeable in his field. I would recommend hiring Chris without hesitation. David T., Castle Rock, CO

Excellent! Chris was so kind and helpful at this hard time. Thank you Chris for making this as quick and painless as possible! Lynn S., Aurora, CO

Fantastic! Chris clearly communicated at all times and explained every step of the way in full detail. I would absolutely recommend hiring Chris. My parents hired Chris because of my referral. Karen L., Highlands Ranch, CO

Before I even officially hired Chris, he took time to answer numerous questions and e-mails and never made me fell pressured to proceed before I was ready. I never felt judged or rushed during the process. I received a discharge of my debts! I have already recommended Chris to others and I will continue to recommend him in the future. Tanesha B., Loveland, CO

Excellent! Chris was so kind and helpful at this hard time. Thank you Chris for making this as quick and painless as possible! Lynn S., Aurora, CO

Chris, thank you so much fo all your support and great communication! Although I hope I that I never need you again, it was fabulous to work with you. Susan H., Thornton, CO

Chris, you're a miracle worker! The last several years have been rough and when creditors started coming around I was very distressed. After the first meeting with you the burden was lifted. Thank you! Kelly H. Highlands Ranch, CO

This was a scary and overwhelming process for me. I have never done anything that required an attorney before, much less been to court for anything other than a traffic ticket. Chris really took the time to make sure I understood everything and answered all my questions. I would highly recommend Chris and Hull Law Offices to anyone about to go through the bankruptcy process. Christina H., Denver, CO

Our overall experience was great. The entire process was made easy because of the great communication between Chris and ourselves. There were no surprises because Chris explained everything up front and was always honest with us. We recommend Hull Law Offices to anyone considering bankruptcy. David & Janice S., Denver, CO

I highly recommend Chris! It was truly a pleasure working with Hull Law Offices on my bankruptcy case. I interviewed a few offices and Chris was able to quickly and effectively answer my questions and guide me through my unique situation. My case was approved and discharged in more agreeable terms than I feel would have been achieved with other representation. C.F., Highlands Ranch, CO

I reviewed and investigated bankruptcy processes and information prior to contacting Chris Hull but I quickly realized that I couldn't have done it without him. He guided me and directed me in every aspect fo the process, answered my questions without hesitation, was always accessible and was very thorough with his instructions on what I needed to do. I would highly recommend Chris to anyone who finds themselves in this situation. Dianne M., Denver, CO