Gauss Law Firm- Denver Bankruptcy Lawyers
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Forgiving Yourself for Filing Bankruptcy


Those who have never filed for bankruptcy protection assume that the debtors have made a mess of their lives. Overspending, poor decisions, and recklessness are assumed to be the cause. Having practiced for 20 years, I know that nothing is further from the truth.


The primary causes of bankruptcy filings in my practice are overpriced housing, medical debt, and random personal financial disasters, such as a car that needs expensive repair.


My clients are NOT irresponsible.


The cost of housing in Colorado and the Denver area in particular is increasing. The cost of medical care is another big factor, even insured people have trouble when facing a serious illness or injury in Colorado. Life is expensive. The financial crises has reduced retirement plan savings. The playing field is far from favorable for the consumer these days.


Explaining the causes of bankruptcy has always been fairly easy for me. I do not judge my clients.  It is very important to really own the fact that you have not done anything wrong by having to file.


Bankruptcy is stressful. I can help with that. I do so every day.  What I am looking to do for clients is to have them really understand that they are not failures. That the past is gone. There are two ways to look at it, once you have filed a bankruptcy: (1) “I made all sorts of mistakes and I screwed up!” Or, (2) the more  accurate view, “Things went wrong and I tried, but that is really behind me now, and I look forward to the future.”


The past is gone, and I can help you through a bankruptcy. I have been doing that for 20 years. But I want you to honestly forgive yourself for having to file. I want you to really own the fact that while you may not be perfect, there are a lot of challenges for the consumer in today’s world. Forgive yourself. Move on! It is the only path to a brighter financial future.


Have you filed bankruptcy with this firm? Would you like to talk about things going forward? I am here to help with that. Anyone who paid my legal fee and put their trust in me deserves that much, I would be happy to hear how you are doing and provide some encouragement. Many of you inspire me as well! This is especially true of my brave clients who face chronic illness.


303 670-4242 Office, or  (303) 501- 4028 Direct Cell.