Open until 7 Monday to Thursday
Buried in Bills? Walk In After Work.
A family bankruptcy firm on the Western Slope. Chapter 7 and 13, and the first meeting is free.
Do I Pass the Means Test?
Chapter 7 starts with one question. Is your household income under the Colorado for your family size? Check in thirty seconds.
Under the median
- Your yearly income
- $64,800
- Sample median
- $90,500
A first screen, not the full test. It uses sample median figures made for this demo. The live site uses the current U.S. Trustee numbers, which change a few times a year. Passing does not decide your case. General information, not legal advice.
What You Get to Keep
The fear we hear most is losing everything. For most of our clients, that is not what happens. Tap any photo to see it larger.
Your Work Truck and Tools
Colorado protects the tools of your trade, up to a set amount. A plumber should leave bankruptcy still able to work Monday.
Your Home
Colorado protects a large part of your home equity. Behind on the mortgage? can catch it up over time.
Your Car and Your Retirement
Car equity up to a set amount, and most retirement accounts, stay yours. We list every item before you file.
Ray and Lucia Ybarra Keep the Lights On Late
Ray has filed bankruptcies in Grand Junction since 1994. His daughter Lucia joined in 2016. Most of their clients work days, so the office stays open until 7 four nights a week.
Walk in without an appointment. Bring your last six months of pay stubs and any bills you have. No need to sort them first.
- Monday9 AM to 7 PM
- Tuesday9 AM to 7 PM
- Wednesday9 AM to 7 PM
- Thursday9 AM to 7 PM
- Friday9 AM to 5 PM
- Saturday9 AM to 1 PM
Five minutes from the river trail, with free parking out back
What Clients Say
4.9★★★★★226 Google reviewsI came in at 6:15 after a twelve hour shift. Lucia stayed past 7 to finish with us. Nobody made us feel dumb.
Kayla R.Fruita
I was sure I would lose my truck. Ray walked me through what Colorado protects, and I kept working the whole time.
Dale M.Clifton
Plain answers, a price in writing, and the calls stopped the week we filed.
Teresa G.Palisade
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
What People Ask Us First
Will I lose my house or my car?
Most people keep both. Colorado protects a large part of the equity in your home, more if you are 60 or older or disabled, and a set amount of equity in a car. You still have to keep up the payments if you want to keep them. We go through your things one by one before you file.
Do I have to take a class?
Yes, two short ones. A credit counseling course before you file and a money management course after. Both can be done online or by phone in about an hour or two each, and we send you approved providers.
Do I have to go to court?
Most people go to one short meeting, called the 341 meeting, with the trustee. It is usually by phone or video and lasts a few minutes. One of us is with you the whole time.
How much does it cost?
The court filing fee is $338 for Chapter 7 and $313 for Chapter 13. Our fee depends on your case, and we give it to you in writing at the first meeting. The first meeting is free.
Will the calls from collectors stop?
Once your case is filed, an order called the automatic stay tells most collectors to stop calling, suing and garnishing. A few kinds of debt have special rules, and we explain those up front.
We help people across the Western Slope. Grand Junction, Fruita, Palisade, Clifton, Orchard Mesa, Loma, Whitewater, Delta, Montrose, Rifle and Glenwood Springs. Farther out? We meet by video.
Stop by Tonight or Call Now
Open until 7 Monday to Thursday. The first meeting is free.