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Karlos Ulibarri is a New Mexico-licensed criminal defense and personal injury attorney based in Albuquerque with 23+ years of experience, not a bankruptcy specialist.
Data compiled from public sources
Karlos Ulibarri, Esq. is an Albuquerque-based attorney who received his Juris Doctorate from the University of New Mexico School of Law in 2000 and has been practicing law for over 23 years. He is the owner of Ulibarri Law Office and holds membership with the New Mexico State Bar since 2001.
His background includes service as a former criminal defense attorney for the Public Defenders Office for the State of New Mexico, giving him deep knowledge of the criminal justice system and prosecution procedures. Ulibarri specializes primarily in criminal defense law across all charge types, with secondary experience context in personal injury cases and auto accidents. He offers free initial consultations and maintains availability for client questions day and night throughout the greater Albuquerque area.
His professional credentials include recognition as a National Trial Lawyers Association Top 100 attorney, Top 100 Diplomat, and Latino Top 10 honoree, plus membership in the New Mexico Criminal Defense Lawyers Association, New Mexico Hispanic Bar Association, and National Association of Criminal Defense Attorneys. However, the website content contains no information about bankruptcy law, bankruptcy filing services, or Chapter 7/Chapter 13 representation—his advertised practice areas are criminal defense and personal injury law. The categorization as a bankruptcy service appears to be an error, as there is no evidence from his professional profile, service descriptions, or bar association memberships that he provides bankruptcy legal services.
This is state-level context for Bankruptcy Services consumers in Albuquerque, NM. It does not confirm that Barri Agent or this specific location is licensed.
State regulator
New Mexico Regulation and Licensing Department - Financial Institutions Division
Consumer protection
Relevant law: No standalone state Credit Services Organization Act — federal CROA applies; New Mexico Unfair Practices Act covers deceptive credit repair (NMSA § 57-12-1 et seq.) (N.M. Stat. Ann. § 57-12-1 et seq. (Unfair Practices Act — no dedicated CSO statute))
Registration: Not listed as required in the current CreditDoc state summary
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Barri Agent offers 8 services including Criminal defense for all charge types, Personal injury representation, Auto accident claims, Trial representation and litigation, Free legal consultations, and 3 more.
Barri Agent has profile signals associated with Individuals facing criminal charges in Albuquerque seeking experienced criminal defense, Personal injury and auto accident victims requiring representation, Defendants needing understanding of New Mexico criminal justice procedures.
Key strengths: 23+ years of legal experience across multiple disciplines; Former Public Defender with deep understanding of criminal justice processes and prosecution strategy; Offers free initial consultation with no obligation. Areas to consider: No evidence of bankruptcy law experience context or specialization on website; Practice focus is criminal defense and personal injury, not debt relief or bankruptcy.
In the Bankruptcy Services category, comparable providers include Acclaim Legal Services, Allmand Law, Weston Legal. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
This attorney is miscategorized. Karlos Ulibarri specializes in criminal defense and personal injury law, not bankruptcy services. Consumers seeking bankruptcy filing assistance, Chapter 7/13 representation, or debt relief should not contact this firm, as the website provides no evidence of bankruptcy law experience context or services.
Michigan-based bankruptcy law firm specializing in Chapter 13 and Chapter 7 filing with 20+ years experience and 750+ five-star reviews.
Google rating from 349 reviews
Profile signals: Michigan residents with significant unsecured debt seeking Chapter 13 debt consolidation, Homeowners facing foreclosure who need protection through Chapter 13 repayment plans
Allmand Law is the largest consumer bankruptcy firm in Texas, led by Board-Certified attorney Reed Allmand. Offices in Dallas, Fort Worth, Houston, and San Antonio. 4.9 Google rating with 8,600+ reviews.
Google rating from 8,671 reviews
Profile signals: Texas residents with overwhelming unsecured debt (credit cards, medical bills) who have determined Chapter 7 bankruptcy is the appropriate path, Homeowners facing imminent foreclosure in Texas who need emergency legal intervention and automatic stay protection
Weston Legal is a Tampa, FL-based law firm specializing in bankruptcy and debt defense. BBB A+ accredited. Founded 2009. 1,336 Google reviews at 4.7 stars.
Google rating from 1,336 reviews
Profile signals: Florida residents facing debt lawsuits who need attorney representation, Consumers considering bankruptcy who want legal evaluation of all options
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A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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