Brighton Bankruptcy Filings Search

Brighton is a growing city. About 42,000 people live here. It is in Adams County. The city has a small-town feel. It is close to Denver. Many residents commute. Some face financial hardship. They may file bankruptcy. This page explains the records. It shows how to find them.

Brighton is in Adams County

Brighton is the county seat of Adams County. This means the county offices are here. The county courthouse is in Brighton. But bankruptcy is different. It is federal. It goes to Denver. Not the local courthouse.

For county records, visit the Adams County office. They have property records. They have marriage licenses. They have civil court records. Visit the Adams County page for more details. County offices are at 4430 S. Adams County Parkway. That is also in Brighton.

The county and city are separate. They keep different records. Do not confuse them. The county handles state matters. The city handles local matters. Federal courts handle bankruptcy. Each has its place.

Note: Brighton residents file bankruptcy in Denver, not at the Adams County courthouse.

Federal Court for Brighton Bankruptcy Records

The U.S. Bankruptcy Court is in Denver. The address is 721 19th Street. The zip is 80202. The phone is 720-904-7300. Brighton is about twenty miles away. The drive takes thirty minutes. Take I-76 or I-25. Plan for traffic.

You can visit the court in person. You can view records there. You can use public computers. Staff can assist you. They answer questions. They help you search. Visit www.cob.uscourts.gov before you go. Check hours and rules.

Security screening is required. Bring a valid ID. No weapons allowed. No food or drink. The court is accessible. Parking is nearby. Public transit is an option. The light rail stops nearby.

The court is open weekdays. Monday through Friday. Hours are 8:00 AM to 5:00 PM. The records window closes at 4:30 PM. Come early. Allow time for security.

Search Brighton Bankruptcy Records Online

PACER is the online option. It is easy to use. Go to pacer.uscourts.gov. Create your account. Add payment info. Start searching right away.

The cost is ten cents per page. Three dollars is the max per document. Fees are waived under thirty dollars per quarter. Many users pay nothing. You can search from home. You can search from work. Any internet connection works.

Enter a name to search. Use last name first. Add first name if known. Case numbers work too. Results appear quickly. Click to view. Download if needed. Save to your device.

PACER has records from 2001. Cases before that are archived. You can request them. Contact the court. They will help. It may take a few days. Older records take time.

What Records You Can Find

Bankruptcy files have many documents. Each serves a purpose. Together they tell the story. Here are the key ones:

• Petition - the document that opens the case
• Schedules - lists of assets, debts, income, and expenses
• Statement of Financial Affairs - detailed financial history
• Meeting of Creditors notice - the 341 meeting date
• Discharge order - ends eligible debts
• Reaffirmation agreements - debts you choose to keep paying

Each document is dated. Each has a number. You can find them in order. The petition comes first. Then the schedules. Then court orders. The discharge comes last. If the case dismisses, you get that order instead.

All records are public. Anyone can view them. Employers can see them. Lenders can too. They stay public forever. This is important to know. Credit reports only show ten years. PACER shows always.

Legal Help for Brighton Residents

Brighton residents can get help. Colorado Legal Services offers free aid. They serve low-income people. Go to coloradolegalservices.org. They have an office nearby. Call to learn more.

The Pro Se Clinic helps people filing alone. It is free. Lawyers volunteer to help. They review your paperwork. They answer questions. Visit cobar.org/bankruptcy for the schedule. The clinic meets in Denver.

Credit counseling is a must. You need it before filing. You need it after too. Many agencies provide it. Some are online. Some are by phone. Fees are income-based. Some are free.

Hiring a lawyer is an option. It costs money. But it helps. Lawyers know the rules. They guide you through. They represent you in court. Consider this carefully. Compare costs and benefits.

Bankruptcy Chapter Options

Most individuals file Chapter 7 or Chapter 13. Chapter 7 is liquidation. Non-exempt assets are sold. Most people keep their property. Exemptions protect it. The process is quick. It takes three to six months.

Chapter 13 is reorganization. You pay debts over time. The plan lasts three to five years. You keep your property. You catch up on payments. This stops foreclosure. It helps with tax debt.

Fees are set by the court. Chapter 7 costs $338. Chapter 13 costs $313. You can pay in installments. You can request a waiver. Waivers are for low income. You must prove need.

Means testing applies to Chapter 7. Your income is compared to the state median. If you earn too much, you file Chapter 13. The test uses six months of income. It looks at household size. Check current median income figures.