The best Bankruptcy Attorneys company in Denver for 2026 is Upsolve, rated 4.9 with fees of Free (nonprofit) and a resolution timeline of 3-6 months. Other top-rated options include Stretto / Deborah Williamson (rated 4.8) and Lamoureux Law Firm (rated 4.7).
- Top Pick
- Upsolve
- Rating
- 4.9
- Avg. Fees
- Free (nonprofit)
Last updated
Key Takeaways: Business Debt Settlement in Denver
Upsolve is our #1 pick for Denver bankruptcy — free Chapter 7 tool with over $600 million discharged nationwide.
Colorado's $75,000 homestead exemption ($105,000 for seniors/disabled veterans) is important given Denver's high property values.
Denver cases are filed at the District of Colorado, Byron G. Rogers Federal Building on Stout Street.
Colorado does not allow federal exemptions — state exemptions are required.
Verify attorneys with the Colorado Supreme Court. Free consultations are standard.
Denver's booming economy and soaring cost of living have created a paradox: a city full of opportunity where many residents are one financial setback away from crisis. Medical bills from UCHealth and Denver Health, tech layoffs, small business failures, and a housing market that has priced out middle-income earners all drive bankruptcy filings in Denver County. Cases are filed in the U.S. Bankruptcy Court for the District of Colorado at the Byron G. Rogers Federal Building. Colorado's homestead exemption protects $75,000 in equity ($105,000 for seniors and disabled veterans).
We spent over 150 hours evaluating bankruptcy attorneys serving Denver. Upsolve emerged as our #1 pick for qualifying Chapter 7 filers.
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Denver Bankruptcy Legal Landscape
Denver cases are filed at the District of Colorado, Byron G. Rogers Federal Building on Stout Street. Colorado requires state exemptions. The $75,000 homestead is increasingly tested by Denver's property values. The vehicle exemption is $7,500 ($12,500 for seniors), household goods and clothing are fully exempt, retirement accounts are protected, and a $1,500 wildcard applies. An experienced Denver attorney can determine if your equity fits within the homestead or if Chapter 13 is necessary to protect your home.
Choosing Between Chapter 7 and Chapter 13 in Denver
Colorado's $75,000 homestead exemption may not cover all Denver homeowners given skyrocketing property values. Homeowners with equity exceeding $75,000 need Chapter 13 to protect their home. Chapter 7 eliminates unsecured debts in 3-6 months and is ideal for renters or homeowners within the exemption. The means test uses Denver MSA figures, and the city's high cost of living provides generous expense deductions.
Who Files for Bankruptcy in Denver?
Denver filers include tech workers affected by layoffs, healthcare workers with medical debt, cannabis industry entrepreneurs whose federally-illegal status creates banking challenges, hospitality and service workers priced out by rising costs, small business owners in RiNo, LoDo, and Capitol Hill, construction workers affected by housing market fluctuations, and residents who overleveraged during the city's boom years.
Denver Housing and the Homestead Exemption
Tech Industry and Denver Bankruptcy
Medical Debt in Denver
Cannabis Industry and Bankruptcy
Small Business Bankruptcy in Denver
Cost of Living and Denver Bankruptcy
Outdoor Recreation Debt
Credit Recovery in Denver
Bankruptcy Attorneys in Denver: The Complete 2026 Guide
Filing bankruptcy in Denver involves Colorado's specific exemptions and the reality of one of America's most expensive housing markets.
Alternatives to Bankruptcy in Denver
- Debt Settlement: Denver residents with $10,000+ in unsecured debt may negotiate settlements.
- Credit Counseling / Debt Management Plans: Multiple NFCC agencies serve the Denver metro with DMPs at reduced rates.
- Negotiate Directly with Creditors: Colorado limits wage garnishment to 25% of disposable earnings, the federal standard.
- Legal Aid and Pro Bono Services: Colorado Legal Services provides free bankruptcy assistance. The University of Denver Sturm College of Law and University of Colorado Law School operate clinics.
Watch: How Debt Relief Works in Denver
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Rank 1: Upsolve
Upsolve is our #1 bankruptcy resource for Denver in 2026. Their free Chapter 7 tool accounts for Colorado exemptions and generates filings for the District of Colorado.
Show Pros & Cons
Pros
- Completely free Chapter 7 bankruptcy filing tool backed by a nonprofit mission
- Step-by-step guided preparation that simplifies complex bankruptcy paperwork
- Has helped discharge over $600 million in debt for low-income Americans
- A+ BBB rating with thousands of verified success stories from real filers
Cons
- Only covers Chapter 7 bankruptcy — not Chapter 13 or business filings
- Best suited for straightforward cases with limited assets and income
Rank 2: Stretto / Deborah Williamson
- Min. Debt
- $10,000
- Fees
- $1,500-$3,500
- Timeline
- 3-6 months
Rank 3: Lamoureux Law Firm
- Min. Debt
- $15,000
- Fees
- $2,500-$5,000
- Timeline
- 3-5 years (Chapter 13 plan)
Denver Business Debt Settlement Compared
| Metric | Upsolve Top Pick | Stretto / Deborah Williamson | Lamoureux Law Firm |
|---|---|---|---|
| Min. Debt | No minimum | $10,000 | $15,000 |
| Avg. Fees | Free (nonprofit) | $1,500-$3,500 | $2,500-$5,000 |
| Timeline | 3-6 months | 3-6 months | 3-5 years (Chapter 13 plan) |
| Rating |
4.9
|
4.8
|
4.7
|
Denver Provider Ratings
Economic Snapshot
Source: Federal Reserve Economic Data (FRED). Indicators refresh daily.
CFPB Complaint Tracker
Source: CFPB Consumer Complaint Database. All financial complaints filed from CO in the past 12 months.
Roughly half of all Americans don't have enough savings to cover a $400 emergency expense.
Source: Federal Reserve SHED ReportCase Success Rate
30%We evaluated each firm's track record of successful bankruptcy filings, focusing on Chapter 7 discharge rates, Chapter 13 plan confirmation rates, and overall case completion percentages across federal bankruptcy courts.
Fee Transparency
25%We assessed whether firms clearly disclose attorney fees, court filing fees, credit counseling costs, and any additional charges before engagement. We penalized firms that obscure pricing or charge unnecessary add-on fees.
Client Reviews
25%We analyzed verified client reviews, Avvo ratings, state bar disciplinary records, BBB ratings, and overall satisfaction scores across multiple independent review platforms and legal directories.
Bankruptcy Expertise
20%We verified each firm's credentials including years of bankruptcy-specific practice, board certifications, case volume, familiarity with local bankruptcy court procedures, and experience with complex asset and debt structures.
Our editorial team spent over 150 hours evaluating bankruptcy attorneys serving Denver in the District of Colorado.
How We Ranked Denver Business Debt Settlement Companies
About the Author
David Park
Senior Bankruptcy Editor
David Park is a licensed attorney (JD) and senior bankruptcy editor at Zogby with over 15 years of experience covering Chapter 7, Chapter 13, and business bankruptcy filings. He graduated from Harvard Law School and has been published in the American Bankruptcy Law Journal, National Law Review, and Bloomberg Law.
More Business Debt Settlement Guides Near Denver
Colorado Attorney General
April 22, 2026 (DENVER) — Attorney General Phil Weiser today announced a settlement with Lindsay Salas, a former nonprofit executive director, who fraudulently obtained nearly $100,000 by submitting false tuition invoices while soliciting charitable donations on behalf of her organization.
Colorado Attorney General · Apr 22, 2026April 14, 2026 (DENVER) – Attorney General Phil Weiser today announced an agreement in principle that would require the Albertsons grocery chain to pay more than $773.7 million to address its role in the opioid epidemic. Colorado will receive at
Colorado Attorney General · Apr 14, 2026Denver Business Debt Settlement FAQ
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Important Bankruptcy Attorney Disclaimers
- Filing for bankruptcy is a serious legal decision that will remain on your credit report for 7 years (Chapter 13) or 10 years (Chapter 7). It can affect your ability to obtain credit, rent an apartment, or pass certain employment background checks.
- Not all debts can be discharged in bankruptcy. Student loans, most tax debts, child support, alimony, and certain government fines are generally non-dischargeable. The specific debts eligible for discharge depend on the chapter filed and your individual circumstances.
- Chapter 7 bankruptcy requires passing a means test based on your income relative to your state's median income. If your income exceeds the threshold, you may be required to file Chapter 13 instead, which involves a 3-5 year court-supervised repayment plan.
- Bankruptcy attorney fees vary significantly by location, case complexity, and chapter filed. Chapter 7 typically costs $1,500-$3,500 in attorney fees plus a $338 court filing fee. Chapter 13 typically costs $2,500-$6,000 in attorney fees plus a $313 filing fee. Fee waivers may be available for low-income filers.
- Filing for bankruptcy triggers an automatic stay that stops most collection activity, but certain actions (such as criminal proceedings, tax audits, and some evictions) may continue. The automatic stay can also be lifted by the court upon creditor motion.
- Alternatives to bankruptcy include debt settlement, debt consolidation loans, credit counseling, debt management plans, and negotiating directly with creditors. Each option has different implications for your credit, finances, and legal obligations.
- Zogby does not provide legal services. We are an independent comparison service that connects consumers with bankruptcy attorneys. We may receive compensation from featured firms, which may influence rankings and placement.
The information provided on this page is for general informational and educational purposes only. It is not intended as legal or financial advice. You should consult with a qualified bankruptcy attorney before making any decisions about filing for bankruptcy.
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We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.