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Berken Cloyes, PC

Berken Cloyes, PC

Serving Denver, CO

1Call 720-683-4357
1159 Delaware St Denver, CO 80204
  • Home
  • Practice Areas
    • Bankruptcy Law
    • Commercial Bankruptcy Law
    • Credit and Debt Repair
    • Debt Law
    • Consumer Protection Law
  • About
  • Attorney Profiles
  • FAQ
  • Testimonials
  • Videos
  • Contact

FAQ

Q: Will anyone find out about my bankruptcy? Will the Court notify my employer?

A: Bankruptcy is a public record. If someone wants to look that information up, they can do so by calling the Bankruptcy Court in Denver. However, it is not published in any newspapers of note (other than legal newspapers, which, if your friends read, you should find new friends). The Court also will not call your employer to inform them you have filed bankruptcy. 

Q: I have already filed for Chapter 7 bankruptcy, am I eligible to file again?

A: You can file for Chapter 7 once every 8 years after filing for a previous Chapter 7. If your previous filing was less than 8 years ago, Chapter 13 may offer the relief that you need. 

Q: One of my creditors obtained a judgment against me, can this be included in a bankruptcy?

A: Yes, a judgment can still be included in a bankruptcy. However, if you own your home, the judgment creditor may have a lien against that home. An extra step is required in the bankruptcy process to remove the lien. It’s very important that you tell us about any lawsuits that have been brought against you so we can verify whether a lien has been filed against your home, otherwise the lien may survive the bankruptcy (even though the debt itself has been discharged).

Q: Will I have to go to court after my bankruptcy filing?

A: Yes, you will be required to attend the “341 meeting,” named after the section of the bankruptcy code for which it’s known. At this meeting, a bankruptcy trustee appointed to your case will ask you a series of questions. Most of these questions will be pertaining to a) you verifying that all the information in your bankruptcy paperwork is accurate to the best of your knowledge, and b) that you understand the bankruptcy process that you are going through. Creditors are permitted to attend this meeting, but it’s quite rare that anyone shows up. 

Q: Will filing bankruptcy affect my security clearance?

A: Our experience suggests that the government is simply concerned with you getting your debt resolved. By filing for bankruptcy, you are doing that. If there is no debt, you are not susceptible to giving away information, and thus, not a security risk. There is no guarantee that your clearance won’t be revoked, but we have filed for hundreds of service members, and so far our clients have maintained their clearances.

Q: I want to pay back my dentist - do I have to list her debt in my bankruptcy?

A: Yes, the bankruptcy code requires you to list all of your debt (even loans from mom & dad). You are certainly free to pay back whatever debts you wish to repay, but the bankruptcy will simply mean the creditor can no longer demand that you do so, or sue you for failure to repay.

Q: Do I have to disclose all my assets - how will the Court/bankruptcy trustee ever find out?

A: Yes, you must list everything you own. When you sign your bankruptcy paperwork, you are doing so under penalty of perjury. The system takes this very seriously. So much so that you could face fines in the neighborhood of $250,000 or up to 5 years in jail. If you don’t tell us about everything, we can’t advise you how to best protect your property. Which usually leads to the next question..........

Q: Will anyone come and search my home when I file for bankruptcy?

A: You have a Fourth Amendment right to be free from unreasonable search and seizures. Unless the trustee has a reason to believe you are being less than truthful in your paperwork (which, again, you signed under penalty of perjury), they do not have the right to enter your home.

Q: All debts are in my name, does my spouse have to file bankruptcy with me?

A: No, spouses are not required to file a bankruptcy together. If the debts are only in one spouse’s name, it’s probably best that only one spouse files. However, even the non-filing spouse’s income is used to calculate whether you are eligible to file (put link to page about eligibility).

Q: My parents co-signed my car loan, if I file bankruptcy, will their credit be affected?

A: The short answer is no, but they will still be liable on the debt, whereas you will not because the loan is in your bankruptcy. However (the long answer), lenders will often erroneously report the loan as being in bankruptcy status on your parents credit report as well. It’s a pain, but your parents would need to dispute this entry on their report, and point out that you filed for bankruptcy, not them. 

Q: Will I have to pay taxes on any of the debt that’s discharged in my bankruptcy?

A: No. Unlike debt negotiation, where any forgiven debt is considered income, discharged debt does not have to be reported as income. Creditors may send you a 1099, but you can fill out IRS Form 982 to counter the 1099. 

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Reviews

GMB

My daughters bankruptcy case was far from simple it put us all to the test. I would have been lost without Stephen and Anthony they both went above and beyond my expectations to make things run smoothly. I highly recommend Berken Cloyes. Thank you, Paula Perea

- Paula D. 7/6/2018
GMB

Mr. Berken and his team were tremendously supportive in a time when I was struggling with a very stressful time in my life. They explained multiple options to me and guided me through a situation I truly knew nothing about. I initially felt like I was the only person who was experiencing my particular hardship but within short order, I realized they knew how I felt and assured me that I was not alone. They supported me through the entire process both from the legal aspect to the emotional stress. I cannot thank them enough for taking my calls, answering questions and reassuring me in times of uncertainty. I have and will continue to recommend them to any and everyone. My process is still not complete but I'm aware of the dedication and professionalism that they afforded me so I feel a tremendous weight having been lifted! If you are having difficulties with any form of legal issues I'm confident they can help or direct you to an equally professional practice to help and support you. Again, I cannot thank them enough for guiding me through a difficult time in my life. Bravo to Stephen and all his staff.

- Derek J. 8/18/2017
GMB

I walked in so nervous and hopeless and Berken and his team lifted my spirits quick. The process isn't easy but they help every step of the way. I would work with Steven and his team again and again. Very professional.

- Lillian C. 5/19/2017
GMB

Stellar service from Stephen Berken and his entire staff. We got his name from Tom Martino and were so glad we chose him. Very helpful, professional and courteous!

- MelindaRenee P. 5/18/2017
GMB

Mr.Stephen Berken and his staff were very helpful through a difficult closing of a small business that I was a partner in. It was a complicated case. Steve helped me through the process. He was very knowledgeable and answered the many questions my wife and I had regarding this matter. I am very grateful for the assistance I received with Mr.Berken and I would highly recommend Steve and his staff. My wife and I felt comfortable with Steve because he is very passionate about what he does and we felt that was important when dealing with hardship situation.

- Charles H. 5/5/2017
GMB

- David D. 5/1/2017
GMB

Steve Berken and his staff have been helpful and respectful though a very difficult time. They made sure that I understood the process. Anthony Camera went above and beyond for me in many ways

- Kathy V. 4/27/2017
GMB

Mr. Berken and Mr. Cloyes were instrumental in assisting me through a very rough time. They helped me get out from under my ex's debt, retain my house, and start over financially as the sole caretaker and provider for my family. I can't thank them enough for all of the hard work they put into my highly unusual case and the outcome has been remarkable! Thank you so much!

- Michelle G. 4/26/2017
GMB

I would absolutely recommend Stephen Berken if you need to file for bankruptcy and need someone to represent you. After meeting with Mr. Berken the first time, I felt relief knowing I wasn't alone anymore and someone was going to help me deal with this mess. He has helped me tremendously.

- Gretchenn D. 4/25/2017
GMB

I have worked with Stephen on several occasions for different issues. He and his staff have always been extremely knowledgeable and always made the right decisions and gave excellent advise! Stephen has a passion for his trade that I rarely see these days. It shows in his results. Go ask any clerk at the courthouse who is the Bk attorney I want to hire and you will here Stephens name. BTW, that is how I found him 20 years ago.

- Chuck S. 4/22/2017
GMB

Stephen Berken, and his team are top notch bankruptcy firm...They do not just treat you like another person that had to file bankruptcy..They treat you like family with dignity and compassion. During my chapter 13 bankruptcy, I fell ill and was unable to work, Mr. Berken took my case back to the Court for a review and got my payments lowered. Not only did he do that, he went out of his way so I did not get stressed out during this process due to my health issues. To this day, Mr. Berken still checks in on me to make sure I am doing ok. You will not find that kind of compassion anywhere!!! I would definitely recommend him to anyone!!!!!! And let's not forget his staff...They definitely know what they are doing and are very polite...Thank you Mr. Stephen Berken and Anthony you guys saved me!!!!!!

- rose g. 4/21/2017
GMB

I am extremely grateful to Steve and his staff for all their persistence, humor and patience for getting my bankruptcy Chapter 13 case in place. I work several jobs so it was almost difficult to get me to slow down and fill out the required paperwork. I also was in denial and had a little bit of shame for letting things get out of control. But Steve and his staff patiently worked with me to get all the filings completed on time. Steve is extremely knowledgeable and worked very persistently on my behalf with the court and the lawyers. I've been very impressed with how easy and smooth the entire process turned out to be. Filing for bankruptcy is not easy to do but I found that because of Steve and his firm, the Chapter 13 has been made easy to understand and achieve. I am now hopeful For A New Beginning!!!! Thank you Steve, you are the best!!!!!!!!!!

- Melinda G. 4/20/2017
GMB

Stephen Berken is a very thorough intelligent attorney. He and his staff are always prompt and professional. He was recommended to me by a long time friend as the “best bankruptcy attorney in Colorado. “ I found this to be accurate.

- Rob E. 4/20/2017
GMB

Steve has been the leading consumer bankruptcy attorney in Colorado for the past twenty hears. Sean is also extremely knowledgeable. They make a great team and if you have a complicated case they are they experts to guide you through the process!

- Matt M. 4/5/2017
GMB

I met Steve back in 2013 and never imagined that I would need his expertise. He helped us greatly as our situation was pretty involved and extensive and Steve went far beyond what we expected and/even paid for. I saw first hand his concern and compassion in an emotionally charged environment (Legal Lawsuits/Bankruptcy -Business & Personal). We were fighting against Big Money interests (Power Company Shiesters and unsavory lying Landlords.) He was still able to navigate us through uncertain times and evil people & always had our best interest at hand. I fell ill (3 different cancers in 2 years- one was Non-Hodgkin Lymphoma). And was forced into BK due to Medical bills and lack of physical strength. Steve still remains a good friend today. I highly recommend Steve to anyone seeking legal counsel.

- Tony V. 3/25/2017
GMB

Stephen Berken Is a great attorney, hands down! I know what good and bad attorneys are… Believe me I fired my first attorney when I knew more about regulations than the first. Then I was referred to Steve. What a difference a great attorney makes! He walks you through every step of your case (Steve's office is bilingual) and is with you every step of the way. His expert, compassionate staff and partners are also there for you. You never feel alone and know that you have a great lawyer with a great team backing you up. Steve and his staff are there after-the-case is closed, to take care of any necessary details which can occur. From start to finish, Steve Berken and Sean Cloyes were there for me. I recommend them highly!

- Tuile H. 6/23/2016
GMB

One of the top bankruptcy attorneys in Denver. He teaches other bankruptcy attorneys, like me, how to be effective and successful in their bankruptcy law practice. Mr. Berken sets the standard for bankruptcy counsel in Denver, Colorado and surrounding cities.

- William F. 10/14/2013
RAB

Best of the Best

Stephen, Sean and Anthony are an awesome team. These guys made a tough situation manageable and are extremely understanding and respectful. We truly appreciate everything they have done for us. They walked us through each step in a way that was easy to understand and gave us confidence that everything was being done right.

- M W 1/16/2019
RAB

Great experience

Sean Cloyes was great at helping me with my bankruptcy. He was fast and efficient. Sean was also super nice and I felt like I was in great hands. Couldn’t have asked for a better bankruptsy lawyer!

- Bobby W. 12/19/2018
RAB

My daughters bankruptcy case was far from simple it put us all to the test. I would have been lost without Stephen and Anthony they both went above and beyond my expectations to make things run smoothly. I highly recommend Berken Cloyes. Thank you, Paula Perea

- Paula P. 7/6/2018
RAB

An Extraordinary Level of Expertise

An Extraordinary Level of Expertise

- John B. 4/30/2018
RAB

Unbelievably helpful and friendly! !!

Mr. Berken and his team were tremendously supportive in a time when I was struggling with a very stressful time in my life. They explained multiple options to me and guided me through a situation I truly knew nothing about. I initially felt like I was the only person who was experiencing my particular hardship but within short order, I realized they knew how I felt and assured me that I was not alone. They supported me through the entire process both from the legal aspect to the emotional stress. I cannot thank them enough for taking my calls, answering questions and reassuring me in times of uncertainty. I have and will continue to recommend them to any and everyone. My process is still not complete but I'm aware of the dedication and professionalism that they afforded me so I feel a tremendous weight having been lifted! If you are having difficulties with any form of legal issues I'm confident they can help or direct you to an equally professional practice to help and support you. Again, I cannot thank them enough for guiding me through a difficult time in my life. Bravo to Stephen and all his staff.

- Derek J. 8/18/2017
RAB

A very Professional and likeable Attorney

Mr. Berken helped me to get through a very stressfull financial time concerning my home and being able to retain it. I not only appreciate his help but consider his legal knowledge to be some of th best in the legal business, he knows what he's doing and maintains a great staff, they have always been very professional and couteous to me.

- Kenneth H. 5/24/2017
RAB

Lifesaver

I needed help with the process of my mortgage modification. after 18 attempts at it, I had to make a choice to give up my house or try and find a way to continue fighting. Stephen helped me with a CH 13. I didn't know I could stop the mortgage company from threatening me. His whole team was so nice and friendly it was a breathe of fresh air after dealing with my mortgage company. The process isn't over, I am making payments and everything has gotten back to normal. I am so grateful to Stephen Berken and his team of experts.

- Lillian C. 5/19/2017
RAB

Always helpful and professional.

Became acquainted with Steve through Tom Martino. Very pleased we chose him to represent us. He and his staff were very helpful and professional as well as accessible.

- Melinda and Charles P. 5/18/2017
RAB

Helpful during a difficult time

Steve Berken and his staff have been very helpful and respectful through a very difficult time. They made sure that I understood the process. Anthony Camera went above and beyond for me in many ways

- Kathy B. 4/27/2017
RAB

Gave hope to single mom again!

Mr. Berken and Mr. Cloyes were instrumental in assisting me through a very rough time. They helped me get out from under my ex's debt, retain my house, and start over financially as the sole caretaker and provider for my family. I can't thank them enough for all of the hard work they put into my highly unusual case and the outcome has been remarkable! Thank you so much!

- Michelle G. 4/26/2017
RAB

Excellent and knowledgeable Firm

Steve Berken is a caring, passionate, knowledgeable and excellent attorney to have represent me in my bankruptcy case. I have a complicated case and he let me know what all of my options were. He is definitely someone you want on your side to help you through. I highly recommend him-- he has made a positive difference in my life.

- Gretchenn D. 4/25/2017
RAB

Simply put, Stephen is the best there is...

No one ever wants to file for Bankruptcy but if you have to you want the best, right? I have worked with Stephen on several occasions for different issues. He and his staff have always been extremely knowledgeable and always made the right decisions and gave excellent advise! Stephen has a passion for his trade that I rarely see these days. It shows in his results. Go ask any clerk at the courthouse who is the Bk attorney I want to hire and you will here Stephens name. BTW, that is how I found him 20 years ago. My bankruptcy was very complex. We filed a 13 and he managed to protect my home, an income property and my personal assets. Presently, I am 3 years into a 5 year plan. An accident took the use of mt left eye - devastating for a remodeling contractor. When Stephen heard about it he recommended filing a hardship discharge for the last two years of payments and he won't ask for additional money to do it. When was the last time anyone said "this attorney has a heart"?? You can hire someone for less but you will get what you pay for...

- Chuck S. 4/22/2017
RAB

Top notch law firm

Stephen Berken, and his team are top notch bankruptcy firm...They do not just treat you like another person that had to file bankruptcy..They treat you like family with dignity and compassion. During my chapter 13 bankruptcy, I fell I'll and was unable to work, Mr. Berken took my case back to the Court for a review and got my payments lowered. Not only did he do that, he went out of his way so I did not get stressed out during this process due to my health issues. To this day, Mr. Berken still checks in on me to make sure I am doing ok. You will not find that kind of compassion anywhere!!! I would definitely recommend him to anyone!!!!!! And let's not forget his staff...They definitely know what they are doing and very polite...Thank you Mr. Stephen Berken and Anthony you guys saved me!!!!!!

- Rose G. 4/21/2017
RAB

My case was complicated

Stephen Berken is a very thorough intelligent attorney. He and his staff are always prompt and professional. He was recommended to me by a long time friend as the “best bankruptcy attorney in Colorado. “ I found this to be accurate.

- Robby E. 4/20/2017
RAB

Professional high quality service

I am extremely grateful to Steve and his staff for all their persistence, humor and patience for getting my bankruptcy Chapter 13 case in place. I work several jobs so it was almost difficult to get me to slow down and fill out the required paperwork. I also was in denial and had a little bit of shame for letting things get out of control. But Steve and his staff patiently worked with me to get all the filings completed on time. Steve is extremely knowledgeable and worked very persistently on my behalf with the court and the lawyers. I've been very impressed with how easy and smooth the entire process turned out to be. Filing for bankruptcy is not easy to do but I found that because of Steve and his firm, the Chapter 13 has been made easy to understand and achieve. I am now hopeful For A New Beginning!!!! Thank you Steve, you are the best!!!!!!!!!!

- Melinda G. 4/20/2017
RAB

Very Knowledgeable and Professional, yet Compassionate...

I almost retained another Bankruptcy attorney, where the attorney and their staff treated me like a 2nd-class citizen. It wasn't my fault I was hit by criminals driving a stolen car! Steve and Sean at Berken Cloyes P.C. earned my Respect and Trust by speaking the Truth, giving Good Advice, showing me my Options, and Immediately Taking Action to save my property and keep the bill collectors away. Permanently. I was Impressed with their experience, knowledge, and Compassion they and their Staff showed me...NO JUDGEMENTS as to how I got into that financial nightmare. Steve and Sean showed me the way out of the Maze, made a plan that was right for Me, and I never had to look back. I got a Fresh, new Start with my life with the Great help I received from Berken Cloyes P.C. !!

- Jim F. 4/20/2017
RAB

Berken Cloyes took Good care of Me!

Steve, Sean, and the entire legal team at Berken Cloyes P.C. put my mind at ease from my first call to my Bankruptcy discharge. They answered all of my questions, gave me excellent advice, and immediately went to work getting creditors off my back, saving my house, and did it all at a reasonable cost I could afford. They gave me my life back and I can now sleep at night.

- Seth M. 4/20/2017
RAB

Knows what he is doing - Especially complicated cases

My case turned out to be a very complicated case, involving a past bankruptcy, district court issues, etc. As far as complexity, I would say my case was at the top. Steve and his team knew how to handle the case, and corresponded very well with my other attorney handling my district court case. Unfortunately for Steve and his team, they also had to deal with an attorney on the other side that was the epitome of a primadonna, and had many different issues that was, well, entertaining in court to say the least. They handled issues arising from the other attorney with great speed and a great knowledge of bankruptcy and case law. His office is very friendly and straight to the point. I like the fact that they tell you what they actually expect and try and help you obtain a more favorable outcome anytime they can. I previously used a different attorney in the past, with terrible outcomes, and the differences can't even be compared. Steve has the knowledge, humor, and his office makes you feel better about your situation. I would recommend Steve's firm to anyone that needs help, don't hesitate to go see him.

- Jonathan K. 12/9/2016
RAB

Great Attorney!

Steve was able to help us through a difficult situation and provided us with the information needed to make a decision that was right for our family. Steve is very knowledgeable and from our first meeting we knew that we had chosen the attorney that was right for us. When what should have been a straight forward "easy" chapter 13 became complicated, we always felt like we had someone in our corner that had our back and we were comfortable that he knew what he was doing. I would 100% recommend him to anyone else in a similar situation.

- Lisa M. 8/31/2016
RAB

Steve Berken-highest regard for services that exceeded expectation and successful negotiator

I have worked with Steve over the past five years beginning w a Chapter 13 and most recently in assisting with a home purchase while in the bk. Steve finds unique solutions, is aggressive with negotiations with the trustee and acts with respect and kindness. He is fast to respond as challenges arise and realistic in setting expectations. I had a most stressful process in working with a home lender and had hit a wall of rejection. Steve's interaction is the only reason I was able to get the home loan approved. Steve has been instrumental in helping me to get out of a challenging financial situation and to get back on track.

- Shelly K. 5/19/2016
RAB

High quality service, extremely knowledgable, and very patient

Filing for bankruptcy was a very difficult decision for us primarily because we'd always paid our debts and filing felt wrong. However we really had no other option as the creditors were not willing to help us. Mr. Berken and his team were recommended to me by a coworker, and while making the decision to file was difficult, Mr. Berken and his extremely capable staff helped us to thoroughly understand the process. Mr. Berken takes a no nonsense approach to the entire process and fights to protect his clients best interests. I highly recommend Mr. Berken and his team! Although our case has now been discharged Mr. Berken has continued to assist us with some lingering issues and has fought to ensure a positive outcome. I highly recommend Mr. Berken and his entire team!

- Shelley K. 10/27/2015
RAB

Extreme Excellance

I came to the law office of Stephen Berken at one of the lowest points in my life. This law firm went above and beyond the call of duty for me. I was extremely happy with all aspects and all services provided by the entire staff. I did not think there could be a positive outcome to my case but Mr. Berken worked extremely hard and beyond the call of duty which resulted in a great result. I have and will continue to recommend the Law office of Stephen Berken

- Bill D. 10/13/2015
RAB

Professional, thorough...and helpful all the way...

First Impression; Professional. The minute you walked into the office you could sense that you were in the right place. The staff was courteous, thorough in explaining the process and they were up front about everything. I did a lot of research on the 'attorney options' and Stephen Berken knows his territory and is committed to seeing you through this difficult time. His paralegals mapped out the process and provided you with an outline to follow. It is apparent Stephen Berken is not only 'over-the-top' educated in his field and a Veteran in his profession. You will find integrity within the walls of Stephen Berken Law. There are absolutely no hidden agendas or fees. What they said it would cost, is what it is. I feel confident that anyone who does their homework will find Stephen Berken and his staff at the top of their field.

- Otho W. 6/30/2015
RAB

The law firm of berken llc is a team of friendly, attentive, and a group of people who are very helpful, and highly skilled and professional staff

I've used the office of berken law office llc several times in the past, and am currently using their assistance presently. Steven Berken is a wonderful person, as well as a highly skilled attorney. Bottom line is no matter how tough the case or the situation may be, he gets the job done. Paul Berken is also a highly skilled go getter when it comes to setting up your case, very patient and helpful. Including the receptionist, they are a strong firm, and I highly recommend their services.

- Craig J. J. 6/24/2015
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1159 Delaware St

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720-683-4357

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720-683-4357

Business Hours

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Weekends: By appointment
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Contact
Berken Cloyes, PC
1159 Delaware St
Denver, CO 80204
720-683-4357
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Qualifications
  • Certified Bankruptcy Attorney
  • Member Of The National Association Of Consumer Bankruptcy Attorneys
  • Member Of The National Association Of Consumer Attorneys
  • Colorado State Chair Of The National Association Of Consumer Bankruptcy Attorneys
  • Colorado State Co-Chair For The American Bankruptcy Institute (ABI)
Languages
  • English
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