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Denver-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, founded in 1983 by Martin E. Long, a former U.S. Bankruptcy Court trustee.
Data compiled from public sources
Long & Long P.C. was established in 1983 by Attorney Martin E. Long, who has spent over 40 years focused on bankruptcy law and creditor-debtor relations. The firm operates from a Centennial, Colorado office and serves clients throughout the District of Colorado. Martin Long's unique background includes serving as an appointed bankruptcy trustee for the United States Bankruptcy Court in the District of Colorado, where he administered thousands of bankruptcy cases, giving him insider perspective on the entire bankruptcy process from both debtor and trustee angles.
The firm provides comprehensive bankruptcy services centered on Chapter 7 and Chapter 13 proceedings, as well as counseling on alternatives to bankruptcy for clients seeking to avoid formal filing. They offer free initial consultations to evaluate clients' financial situations and determine the best path forward. The practice handles both individual bankruptcies and related litigation matters in county, district, and federal courts throughout Colorado, with experience appealing cases before the Colorado Supreme Court and Colorado Court of Appeals.
What distinguishes Long & Long is Martin Long's dual experience context as both a practicing bankruptcy attorney and former court-appointed trustee. This background provides clients with understanding of how trustees evaluate cases and what outcomes are realistically achievable. The firm emphasizes personalized attention and education, with Martin Long having conducted seminars teaching both attorneys and trade associations about bankruptcy law. Client reviews specifically mention transparency about costs, thorough explanations of complex processes, and compassionate handling of financially distressed individuals.
The firm is best suited for Colorado residents facing serious financial hardship who want experienced legal guidance through formal bankruptcy proceedings or exploration of alternatives. However, as a listed bankruptcy law practice, they do not offer services beyond bankruptcy-related matters, and clients seeking broader financial counseling or credit repair would need to consult additional resources.
This is state-level context for Bankruptcy Services consumers in Denver, CO. It does not confirm that Long & Long 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.
Long & Long P.C. offers 8 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Bankruptcy alternatives counseling and exploration, Free initial bankruptcy consultation, Creditor-debtor relations legal advice, and 3 more.
Long & Long P.C. has profile signals associated with Colorado residents facing Chapter 7 or Chapter 13 bankruptcy who want experienced legal representation from a trustee-trained attorney, Individuals seeking to understand bankruptcy options and explore alternatives before committing to formal filing, Clients who value personalized attention and detailed explanation of complex legal processes during financial distress.
Key strengths: Founder Martin E. Long served as an appointed U.S. Bankruptcy Court trustee, providing insider knowledge of case administration and trustee perspectives; Over 40 years of bankruptcy law experience with thousands of cases successfully administered; Free initial consultation to assess financial situation and discuss Chapter 7, Chapter 13, or alternatives. Areas to consider: Limited to Colorado practice jurisdiction only—cannot serve clients in other states; Highly listed in bankruptcy with no apparent services for credit repair, debt settlement alternatives, or post-bankruptcy credit rebuilding.
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
Long & Long P.C. is profile signals for Colorado residents who need experienced bankruptcy legal representation from an attorney with trustee-level experience context in the bankruptcy system. The main caveat is that this is a listed bankruptcy law firm—they do not offer credit repair, debt consolidation, or post-bankruptcy credit rebuilding services, and they serve only Colorado clients.
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
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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.
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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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