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By Martin E. Long, Founding Attorney, Long & Long, P.C. — Former Chapter 7 Trustee If you’re searching for this answer, you’re not alone. “How long does bankruptcy stay on your credit report” is one of the most common questions typed into Google by people weighing whether to file — right up there with “bankruptcy…

If you’ve started researching Chapter 7 bankruptcy, chances are you’ve run into the phrase “means test” and immediately had more questions than answers. It sounds intimidating — like a pass/fail exam standing between you and debt relief. In reality, it’s a formula, and roughly 90% of people who file for bankruptcy qualify for Chapter 7…

If you are falling behind on bills, receiving collection calls, or worried about losing your home or vehicle, you are not alone. Many people wait too long before speaking with a bankruptcy attorney because they believe things will somehow improve on their own. Unfortunately, delaying action can limit your options and increase financial stress. Here…

Financial stress rarely appears all at once. It builds over time—missed payments, rising balances, collection calls—until it becomes overwhelming. If you’re starting to wonder whether bankruptcy could help, you’re not alone. At LONG & LONG P.C., we help individuals and families in the Denver metro area, the Front Range, and throughout Colorado understand their options…

The good news? In 2026, Colorado’s updated exemptions make it possible for most people to keep their house

By Martin E. Long, Experienced Bankruptcy Attorney and Former Trustee for the US Bankruptcy Court  at LONG & LONG P.C. | February 25, 2026 If you’re drowning in debt and wondering if you’re the only one, the latest official numbers prove you’re not. On February 4, 2026, the Administrative Office of the U.S. Courts announced…

One of the most common questions I hear as a bankruptcy attorney is: “Can I keep my credit cards if I file bankruptcy?” The short answer is: It’s possible in rare cases, but in most situations, no—your credit card accounts will likely be closed by the issuers once they learn of your bankruptcy filing. This…

            In most cases, medical bills do qualify for bankruptcy discharge. Every few years a study or survey comes out that reinforces what I have experienced–medical bills are one of the most common reasons for bankruptcy. For example, an article in the August, 2009 edition of the New England Journal of Medicine found that “medical…

If you’re facing the threat of losing your home to foreclosure, having your car repossessed, your bank account frozen, or seeing your paycheck reduced by wage garnishment, you’re likely feeling overwhelmed. The good news is that filing for bankruptcy can often stop these actions immediately through a powerful legal protection called the automatic stay. For…

If you’ve previously filed for bankruptcy and are facing financial challenges again, you may wonder: how long do you have to wait to file bankruptcy a second time? Many Denver and Colorado residents are surprised to learn that there is no lifetime limit on filing bankruptcy — but there are strict waiting periods (also called…