No stored Google rating available.
Garcia & Gonzales, P.C. is a Westminster, CO bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, wage garnishments, foreclosures, and tax debt relief.
Data compiled from public sources
Garcia & Gonzales, P.C. is a bankruptcy law practice based in Westminster, Colorado, founded by attorneys Richard N. Gonzales and Carla M. Garcia. Richard graduated from the University of Denver law school and has focused his career on bankruptcy law and community service. Carla brings bilingual capabilities (Spanish fluency) and a commitment to compassionate representation rooted in her family's first-generation college experience. The firm serves clients across Denver, Aurora, and Boulder, Colorado.
The firm offers comprehensive bankruptcy representation covering Chapter 7 and Chapter 13 filings, along with related financial relief services including wage garnishment stops, foreclosure defense, repossession assistance, and tax debt/IRS levy resolution. They position themselves as providing personal attorney-led consultations rather than routing clients through legal assistants, emphasizing direct communication with the licensed attorneys handling the case.
Garcia & Gonzales differentiates itself through several stated attributes: decades of diverse legal experience across multiple practice areas (divorce, criminal defense, real estate) that inform their bankruptcy approach; bilingual services; a philosophy that bankruptcy represents a fresh start rather than failure; and an educational component where clients learn personal finance strategies during the filing process. The firm explicitly contrasts Chapter 7 (for lower-income filers seeking debt cancellation) versus Chapter 13 (for higher-income clients with repayment capacity).
The firm provides legitimate bankruptcy legal services with apparent client satisfaction (positive testimonials cited), but operates as a traditional law practice requiring in-person consultation scheduling. There is no information about flat fees, payment plans, or affordability programs for clients in financial distress. Like all bankruptcy representation, their services are appropriate only for those with genuine financial hardship meeting bankruptcy eligibility requirements.
This is state-level context for Bankruptcy Services consumers in Westminster, CO. It does not confirm that Garcia & Gonzales, P.C. or this specific location is licensed.
State regulator
Colorado Department of Regulatory Agencies - Division of Banking
Consumer protection
Relevant law: Colorado Credit Services Organization Act (C.R.S. § 5-19-101 et seq.)
Registration: Required with Colorado Attorney General (Administrator of the Uniform Consumer Credit Code)
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.
Garcia & Gonzales, P.C. offers 11 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Wage garnishment defense and relief, Foreclosure representation and defense, Repossession assistance, and 6 more.
Garcia & Gonzales, P.C. has profile signals associated with Colorado residents (Denver, Aurora, Boulder, Westminster area) facing Chapter 7 or Chapter 13 bankruptcy decisions, Spanish-speaking consumers seeking bankruptcy representation with language accessibility, Individuals experiencing wage garnishments, foreclosures, or repossessions needing integrated legal relief, Clients with complex financial situations involving tax debt and multiple creditor types.
Key strengths: Direct attorney representation — clients meet with licensed attorneys (Gonzales or Garcia), not paralegals or assistants; Bilingual services available through Carla M. Garcia (Spanish fluency noted); Comprehensive bankruptcy practice covering both Chapter 7 and Chapter 13 options. Areas to consider: No published fee structure or pricing information on website; requires direct contact for cost disclosure; No mention of payment plans or affordability programs for financially distressed clients.
In the Bankruptcy Services category, comparable providers include Baker Law Group, PLLC, Berkus Law Office, Colonial Tax Consultants. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Garcia & Gonzales is profile signals for Colorado residents in genuine financial distress seeking personal attorney representation for Chapter 7 or Chapter 13 bankruptcy, particularly Spanish-speaking clients. The main caveat is that bankruptcy is a serious legal proceeding with long-term credit consequences, appropriate only for those meeting strict eligibility requirements, and the firm provides no published pricing or payment plan information upfront, requiring phone contact before cost disclosure.
Baker Law Group, PLLC is a bankruptcy law firm providing Chapter 7 and Chapter 13 filing services and legal representation for individuals facing financial hardship.
Profile signals: Individuals seeking attorney representation for Chapter 7 bankruptcy filings, Consumers needing legal guidance through Chapter 13 reorganization bankruptcy
Denver-based bankruptcy attorney Matt Berkus specializing in Chapter 7/13 bankruptcy, IRS tax debt relief, and student loan assistance for Colorado residents.
Profile signals: Colorado residents facing imminent foreclosure, wage garnishment, or creditor lawsuits seeking immediate bankruptcy protection, Business owners or self-employed individuals with both personal and business debt requiring integrated bankruptcy strategy
Tax representation firm specializing in IRS and state tax disputes for businesses and individuals nationwide. Small Denver-based practice of attorneys and enrolled agents.
Profile signals: Business owners facing IRS audits or tax disputes with complex legal implications, High-net-worth individuals in tax controversies requiring attorney-level representation
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
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.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Garcia & Gonzales, P.C. and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.