Cohen and Cohen in Denver, CO

4.4/5

Denver-based bankruptcy law firm offering Chapter 7, Chapter 13, business bankruptcy, and related debt services for individuals and businesses.

Data compiled from public sources · Rating from CreditDoc methodology

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Cohen and Cohen Review

Cohen Law Denver is a Colorado-based bankruptcy and debt relief law firm founded and led by Rob Cohen, with a team that includes Will Evans (practicing since 1985, 20+ years bankruptcy focus), Gary Brown (bankruptcy specialist with family law and mediation experience), and other licensed attorneys. The firm positions itself as a full-service legal institution handling both individual consumer bankruptcy and business insolvency matters, operating from Denver with a focus on personalized legal representation.

The firm offers comprehensive bankruptcy services including Chapter 7 bankruptcy filing and qualification assistance, Chapter 13 bankruptcy planning, business bankruptcy (Chapter 11 and Subchapter V), bankruptcy litigation, adversary proceedings, and contested matters. Beyond traditional bankruptcy, they provide debt settlement consultation (comparing it against bankruptcy alternatives), mediation services (both facilitative and evaluative), and specialized guidance on topics like student loan discharge, tax debt in bankruptcy, foreclosure prevention, and Colorado bankruptcy exemptions.

According to client testimonials, Cohen Law Denver distinguishes itself through thorough case preparation, attention to detail, and personalized consultation rather than formulaic intake processes. The firm explicitly acknowledges pricing differences between attorneys and offers clients the option to work with associates if cost is a primary concern. Rob Cohen's active litigation practice and the team's experience with related legal areas (family law, appeals, negotiation) suggest a broader legal competency than bankruptcy alone.

The firm operates a legitimate law practice with a professional website, client portal, payment processing, and published team bios. However, as a law firm rather than a financial services company, Cohen Law Denver is appropriate for consumers who have already determined bankruptcy is necessary or need legal guidance on debt relief options—not for those seeking to avoid bankruptcy or rebuild credit independently.

Services & Features

Bankruptcy and tax debt consultation

Bankruptcy litigation and adversary proceedings

Business bankruptcy (Chapter 11 and Subchapter V)

Chapter 13 bankruptcy planning and representation

Chapter 7 bankruptcy filing and qualification assessment

Colorado bankruptcy exemptions guidance

Contested matters resolution in bankruptcy cases

Debt settlement representation and negotiation

Foreclosure prevention through bankruptcy

Mediation services (facilitative and evaluative)

Rule 2004 examination representation

Student loan discharge in bankruptcy consultation

Feature Checklist

Mobile App

Online Portal

Score Tracking

Credit Education

Personal Advisor

Identity Theft Protection

Pros & Cons

Pros

Team includes attorneys with 20+ years of bankruptcy experience (Will Evans practicing since 1985)
Offers free initial consultations to assess whether bankruptcy or alternative debt relief is appropriate
Provides both individual consumer bankruptcy (Chapter 7, 13) and business bankruptcy services (Chapter 11, Subchapter V)
Specializes in complex bankruptcy topics like student loan discharge, tax debt, foreclosure prevention, and adversary proceedings
Client testimonial highlights thorough case preparation and attention to detail that led to early hearing approval
Offers alternative services including debt settlement, mediation, and comparative analysis (bankruptcy vs. debt settlement vs. consolidation)
Rob Cohen maintains active litigation practice to stay current with legal developments and improve firm representation

Cons

Law firm pricing is explicitly positioned as premium compared to associates; no published fee structure for transparency
Primary service (bankruptcy filing) requires consumers to already be in financial distress; not suitable for credit building or prevention
Limited online information about typical outcomes, average fees, or case statistics beyond one testimonial
Website does not clearly specify geographic service area beyond Denver/Colorado or whether they handle cases outside Colorado
No mention of payment plans, flat fees, or flexible retainer arrangements for cost-conscious consumers

Rating Breakdown

Value

5.0

Effectiveness

4.7

Customer Service

3.9

Transparency

3.5

Ease of Use

4.6

Frequently Asked Questions

Is Cohen and Cohen legitimate?

Yes. Cohen and Cohen is a registered company, headquartered in Denver, CO.

How long does Cohen and Cohen take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Headquarters: Denver, CO
BBB Accredited: No
Starting Price: Contact provider
Setup Fee: None
Money-Back Guarantee: No

Visit Cohen and Cohen

+1 303-933-4529 1720 S Bellaire St #205, Denver, CO 80222

CreditDoc Diagnosis

Doctor's Verdict on Cohen and Cohen

Cohen Law Denver is best for Colorado-based individuals and businesses who have determined bankruptcy is necessary and need experienced legal representation through the filing and discharge process. The main caveat is that this is a premium law firm positioned above budget options, and consumers should verify current fee structure, Colorado-only service limitations, and whether their specific bankruptcy chapter complexity justifies higher representation costs.

Best For

Colorado consumers considering Chapter 7 or Chapter 13 bankruptcy who want legal representation from experienced attorneys
Small business owners facing insolvency and needing Chapter 11 or Subchapter V bankruptcy guidance
Individuals with complex bankruptcy situations (student loan discharge, tax debt, foreclosure, adversary proceedings)
Consumers uncertain whether bankruptcy or debt settlement is the right approach and seeking professional legal evaluation

Updated 2026-04-29

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Financial Terms Explained (14 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

How Loans Work

Default — Loan Default

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.

Why it matters

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).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against predatory 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.

FDCPA — Fair Debt Collection Practices Act

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 must stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can 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.

Garnishment — Wage Garnishment

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 wins a judgment.

Why it matters

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.

Statute of Limitations — Statute of Limitations (Debt)

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.

Why it matters

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.

Debt & Recovery

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)

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.

Why it matters

Chapter 13 is better 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.

Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)

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.

Why it matters

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 must 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.

Charge-Off

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.

Why it matters

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).

Collections — Debt Collections

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.

Why it matters

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.

Debt Consolidation

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.

Why it matters

Consolidation works best 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.

Debt Settlement — Debt Settlement / Negotiation

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.

Why it matters

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.

DTI Ratio — Debt-to-Income Ratio

The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.

Why it matters

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.

Judgment — Court Judgment (Debt)

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.

Why it matters

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 wins 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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