Moffat County Bankruptcy Public Records

Moffat County sits in the northwest corner of Colorado. Craig serves as the county seat. This rural county has an economy based on ranching and energy. Residents facing financial hardship may file bankruptcy. The U.S. Bankruptcy Court in Denver handles these cases.

Researching bankruptcy records for Moffat County requires remote access. Craig is far from Denver. The mountains make travel difficult. PACER online access is essential. The county clerk maintains local property records. This guide covers all access methods.

Moffat County Clerk and Recorder Office

The Moffat County Clerk serves from Craig. The office is at 221 W Victory Way, Craig, CO 81625. Phone number is (970) 824-9104. Hours are Monday through Friday from 8:00 AM to 4:30 PM.

This office records property documents. Deeds and mortgages are filed here. These connect to bankruptcy cases. They show real estate ownership. They reveal existing claims. Trustees examine these records.

The clerk also records state court judgments. These can become liens. Bankruptcy affects these claims. Discharge may not remove them. Property searches need specific details. Staff can assist with research.

The federal bankruptcy court in Denver maintains all bankruptcy records for Moffat County residents.

The court building stands at 721 19th Street in Denver.

Federal Bankruptcy Court Access

All Moffat County cases go to Denver. The U.S. Bankruptcy Court is at 721 19th Street, Denver, CO 80202. Phone is 720-904-7300. This court serves all Colorado counties. Craig is in the northwest corner. The drive to Denver is long.

Access options include PACER, mail, and visits. Online access is most practical. It avoids mountain travel. Mail works for formal requests. In-person visits require significant planning.

How to Use PACER for Moffat County Cases

PACER provides online court record access. The site is https://pacer.uscourts.gov/. Registration is free. The database covers Colorado cases. Moffat County filings are included.

Account setup is simple. Provide basic information. Verify your email. Start searching immediately. Use names or case numbers. Results appear quickly. Each page costs ten cents. Documents cap at three dollars. Quarterly fees under thirty dollars are waived.

Moffat County cases are under District of Colorado. Records from 2001 are online. Older cases need archive retrieval. Download or print documents. Work from Craig. No travel needed.

Note: PACER is essential for Moffat County residents given the long distance to Denver and challenging mountain terrain.

Moffat County Bankruptcy Filing Fees

Federal fees are uniform nationwide. Chapter 7 costs $338. Chapter 13 costs $313. Fee waivers exist for qualifying Chapter 7 filers. Income proof is required. The court reviews carefully. Approval means free filing.

Chapter 13 allows installment plans. Four payments are permitted. First payment at filing. Others on schedule. Keep payments current. Missing them risks dismissal.

Attorney fees are additional. Moffat County has limited local attorneys. Many residents hire Denver or Grand Junction lawyers. Some work remotely. Fees vary by complexity. Expect one to three thousand dollars.

Related Records at the County Level

Moffat County keeps records tied to bankruptcy. These show financial history. They document assets and debts. Review these sources:

• Property deeds and mortgages
• Judgment liens
• UCC financing statements
• Trust deeds

UCC records are statewide. Find them at https://www.sos.state.co.us/ucc/. The Secretary of State maintains this system. Secured creditors file here. Bankruptcy schedules reference them.

Property liens survive bankruptcy. Discharge does not erase them. Separate action is needed. The Moffat County Clerk can explain.

Legal Aid Resources for Moffat County

Free legal help exists for qualifying residents. Colorado Legal Services serves northwest Colorado. They assist low-income individuals. Bankruptcy counseling is available. Other debt services too.

Attorney referrals come from bar associations. The Colorado Bar can help. Some lawyers offer free consultations. Ask about fees early. Know what you will pay. This prevents surprises.

The federal court provides self-help resources. Their website has forms. Instructions are included. Pro se filing is possible. Court staff helps with procedures. They do not give legal advice.

Finding Discharge Records

Discharge orders complete bankruptcy cases. They cancel qualifying debts. This document is essential. Get it from PACER. The court clerk also provides copies.

The order shows what was discharged. It notes what remains. Some debts are not dischargeable. Student loans typically survive. Recent taxes stay due. Support obligations continue. The order makes this clear.

Keep discharge orders forever. You may need proof later. Creditors might pursue old debts. The discharge stops them. Moffat County residents should store copies safely.

Note: Always keep your discharge order in a safe place as proof your debts were legally discharged.