Commerce City Bankruptcy Filings

Commerce City is growing fast. About 62,000 people live here. It is north of Denver. It is in Adams County. The city has industry. It has new housing too. Residents here may need bankruptcy records. This page explains how to find them. It covers federal and local resources.

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Commerce City is in Adams County

Commerce City is part of Adams County. The county is northeast of Denver. It includes many cities. The county seat is Brighton. Commerce City is close to Denver. It is convenient for residents.

For county records, visit Adams County. They have property deeds. They have court records. They have vital records. Visit the Adams County page for more. The office is in Brighton.

Commerce City is a home rule city. It has its own government. The city provides services. It keeps records too. But bankruptcy is federal. It goes to Denver. Not the city. Not the county.

U.S. Bankruptcy Court Denver serving Commerce City residents

Note: Commerce City residents file bankruptcy in Denver, not at Adams County offices.

Federal Bankruptcy Court for Commerce City

The U.S. Bankruptcy Court is in Denver. The address is 721 19th Street. Commerce City is close by. The drive takes about twenty minutes. Take I-270 or I-76. Then take I-25 south. Exit at 19th Street.

The court phone is 720-904-7300. The website is www.cob.uscourts.gov. Check the website first. It has forms. It has fees. It has rules. It saves time.

The court is secure. Bring valid ID. Pass through screening. No weapons allowed. Staff are helpful. They answer questions. They help with records. They cannot give legal advice.

Hours are 8:00 AM to 5:00 PM. Records close at 4:30 PM. Arrive early. Parking is nearby. Some is metered. Some is in lots. Public transit is available. The light rail stops close.

Search Commerce City Bankruptcy Records Online

PACER is the online tool. It lets you search from anywhere. Go to pacer.uscourts.gov. Create an account. Registration is free. Add a credit card for fees.

Costs are reasonable. Ten cents per page. Three dollars per document max. Fees under thirty dollars per quarter are waived. Many users pay nothing. This is great for occasional searches.

FAQ page for bankruptcy records and PACER search

Search by name. Use the debtor's last name. Add first name if known. Or use case number. Results are instant. Click to view. Download PDFs. Save or print.

PACER has records since 2001. Older cases are archived. You can request them. Contact the court. Ask for archived records. Staff will help. It takes a few days.

The voice system is free. Call 866-222-8029. Press extension 26. Get basic case info. Hear the status. Learn next dates. Available twenty-four seven.

What Records Are Available

Bankruptcy records are comprehensive. They tell the whole story. Here is what you can find:

Petition - starts the case, lists basic information
Schedules - detailed lists of assets and debts
Statement of Financial Affairs - financial history
Meeting notice - date and time of 341 meeting
Discharge order - eliminates qualifying debts
Dismissal order - closes case without discharge
Trustee reports - review of case administration

Each document is dated. Each has a docket number. You can follow the timeline. See what was filed when. See court orders. See creditor claims. Everything is recorded.

Records are public forever. They never disappear. Credit reports show ten years. PACER shows forever. This is important to know. Bankruptcy is a public record.

Legal Help for Commerce City Residents

Commerce City residents can get help. Colorado Legal Services provides free aid. They help low-income people. Visit coloradolegalservices.org. Find the nearest office. Call for an appointment.

The Pro Se Clinic helps self-filers. Volunteer lawyers assist. They review forms. They answer questions. Visit cobar.org/bankruptcy for schedules. The clinic meets in Denver.

Credit counseling is required. Do it before filing. Do it after too. Approved agencies offer it. Online options exist. Phone options exist. Fees are income-based. Some are free.

Lawyers are available. Some people hire them. Others file alone. Consider your case. Think about complexity. Weigh costs and benefits. Make the right choice.

Filing Bankruptcy from Commerce City

Commerce City residents file in Denver. The court is close. You can drive there. Bring your documents. Bring your ID. Bring payment or a waiver.

Fees are standard. Chapter 7 is $338. Chapter 13 is $313. You can pay in installments. You can request a waiver. Waivers are for low income. Prove your need.

After filing, you get a case number. You get a trustee. They review your case. You attend a meeting. This is the 341 meeting. Creditors may come. They usually do not.

The trustee asks questions. You answer under oath. Be honest. Bring documents. The meeting is short. It takes minutes. Then you wait. Chapter 7 is months. Chapter 13 is years.

Follow all rules. Make payments if required. Complete education courses. Get your discharge. Start over. Build new credit. Move forward.