C
Cohen and Cohen
Contact
BBB:
Roberson Law, LLC in Denver, CO
Denver-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, with 16 years of attorney experience and over 5,500 cases filed.
Data compiled from public sources · Rating from CreditDoc methodology
Roberson Law, LLC Review
Roberson Law, LLC is a bankruptcy law firm based in Denver, Colorado, founded and led by Jane Roberson, a bankruptcy attorney with 16 years of practice experience. The firm has established itself as a local resource for individuals struggling with debt, having filed more than 5,000 bankruptcy cases in Colorado. Jane Roberson earned her B.A. in International Studies and M.P.A. in Public Finance from New York University, and her Juris Doctorate from the University of Denver. She previously worked as a Financial Analyst for the City and County of Denver before transitioning to bankruptcy law. The firm is also supported by Mike Wegener, who serves as Firm Administrator and brings over 20 years of business ownership experience.
Roberson Law, LLC offers comprehensive bankruptcy services centered on Chapter 7 and Chapter 13 filings, along with business bankruptcy options. Chapter 7 bankruptcy is positioned as the least expensive and most efficient way to eliminate or reduce debts simultaneously across multiple creditors, rather than negotiating with each creditor separately. Chapter 13 bankruptcy is presented as an alternative for clients who wish to retain property (such as a residence) while restructuring debt payments over several years. The firm advertises a free consultation to help clients determine which chapter is appropriate for their individual circumstances. The firm also addresses related debt issues including collection calls, garnishments, foreclosure, credit card debt, medical debt, and judgments.
Roberson Law, LLC distinguishes itself through several operational features. The firm operates on a 100% remote basis, eliminating the need for in-person office visits. The attorney, Jane Roberson, has extensive documented experience working with trustees and creditors, which the firm claims provides insight into available options for individual cases. The firm emphasizes professional and personalized service, as evidenced by client testimonials highlighting staff responsiveness and thoroughness throughout the bankruptcy process. The firm positions itself as member of the Federal Board of Advocates and emphasizes helping clients achieve a "fresh start."
Roberson Law, LLC is a legitimate bankruptcy law firm with verifiable attorney credentials and substantive case experience. However, potential clients should note that bankruptcy has serious long-term credit implications, typically remaining on credit reports for 7-10 years. While the website emphasizes the benefits of bankruptcy, it does not prominently discuss alternatives such as credit counseling, debt management plans, or negotiation without filing. The firm's focus is narrowly on bankruptcy solutions rather than comprehensive debt relief options. Clients should seek independent financial or credit counseling before filing to ensure bankruptcy is the appropriate solution for their circumstances.
Services & Features
Bankruptcy Intake and Disclosure Form completion assistance
Business bankruptcy services
Chapter 13 bankruptcy filing and representation
Chapter 7 bankruptcy filing and representation
Collection call defense and negotiation
Credit card debt resolution through bankruptcy
Foreclosure defense and alternatives
Free initial consultation and case evaluation
Judgment handling and creditor negotiation
Medical debt elimination
Trustee and creditor negotiation based on attorney experience
Wage garnishment prevention and handling
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Attorney Jane Roberson has 16 years of bankruptcy practice experience with 5,000+ cases filed in Colorado
- Operates 100% remotely with no required office visits, increasing accessibility
- Offers free initial consultation to evaluate Chapter 7 vs. Chapter 13 options
- Addresses multiple debt issues including collections, garnishments, foreclosure, and judgments in one process
- Attorney is member of Federal Board of Advocates with background in financial analysis (City and County of Denver)
- Firm leadership includes experienced business administrator (20+ years) ensuring operational quality
- Client testimonials specifically praise staff responsiveness and professionalism throughout the process
Cons
- Website does not discuss bankruptcy alternatives (debt management plans, credit counseling, settlement options)
- Limited information about fee structure beyond mentioning Chapter 7 is 'least expensive'—actual costs not transparently disclosed
- No discussion of the 7-10 year credit report impact or long-term consequences of bankruptcy filing
- Firm appears to be a bankruptcy-only practice, with no indication of comprehensive debt relief approach
- Website claims are unverified (e.g., '5,500+ clients' and '5,000+ cases' cannot be independently confirmed from public records)
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is Roberson Law, LLC legitimate?
Yes. Roberson Law, LLC is a registered company, headquartered in 789 Sherman St UNIT 200, Denver, CO 80203.
Quick Facts
- Headquarters
- 789 Sherman St UNIT 200, Denver, CO 80203
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Roberson Law, LLC
Roberson Law, LLC is best for Colorado residents with significant unsecured debt who have determined bankruptcy is necessary and want experienced local representation. The primary caveat is that bankruptcy has severe, long-lasting credit consequences (7-10 years on credit reports) and should only be pursued after exhausting alternatives—the firm's website does not educate clients on non-bankruptcy debt solutions before recommending filing.
Best For
- Colorado residents with multiple unsecured debts (credit cards, medical, judgments) seeking fresh start through legal elimination
- Homeowners or property owners considering Chapter 13 to retain assets while restructuring debt
- Individuals experiencing active collection calls, wage garnishments, or foreclosure proceedings
Updated 2026-04-29
More Bankruptcy Services
�
𝙋𝙏D 𝙄𝙍S 𝙍eli𝗲f - F𝗼rt W𝗼rth
Contact
BBB:
W
Wink Law Firm, P.C. | Debt Relief Law
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Roberson Law, LLC and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.