Colorado & Kansas · Debtors Only

Your Bankruptcy Ally.

Hard-hitting advocacy. Heartfelt service.

Facing overwhelming debt? Creditor harassment? Know your legal options. Bankruptcy may help you get the fresh start you deserve. Wage garnishment problems? We can help stop them. Need debt relief? Free, virtual bankruptcy consultation available.

Free Consultation Call 844-TIRADO-1

$2,500

Legal Fee

$2,938

Chapter 7 Total

$600

To Retain

Months to Pay

Our fees are a $2,500 legal fee plus filing fees / admin costs. Total is $2,938 for Chapter 7. Clients can retain with $600 and make payments over 3 months.

Samantha “Sam” Tirado Attorney · CO & KS

Tirado Law Office

Championing Justice / Fighting for You

Tirado Law Office is a consumer bankruptcy law firm representing debtors only — never creditors. Our mission is simple: to help everyday people reclaim their power through financial relief and a true fresh start.

Attorney Samantha “Sam” Tirado, who filed bankruptcy herself, offers client-centered advocacy built on compassion, transparency, and education. She believes every client has a champion inside them — even if they don’t feel like one right now.

It’s normal to feel defeated, hopeless, or ashamed when you’re buried in debt. You may feel like you’ve failed. But at Tirado Law Office, we see you differently. We see someone who’s fighting to regain control, who’s ready to take back their life — and we’re here to help you feel victorious on the other side.

Through every step of your case, Attorney Tirado’s goal is to educate and empower you, so you understand not just what is happening, but why — transforming confusion into confidence and fear into freedom.

She is licensed in both Colorado and Kansas, representing Chapter 7 clients in either jurisdiction remotely, since bankruptcy proceedings are generally handled virtually. Chapter 13 representation is currently offered exclusively in Colorado, with plans to expand services in the future.

Our Promise

We Build Champions

We don’t just file cases — we build champions. When you hire Tirado Law Office, you gain an advocate who will stand beside you, fight for your rights, and help you rise stronger than before.

Because even when you feel defeated, you’re still a Champion in progress.

Bankruptcy Solutions

Choose Your Fresh Start

Two paths to relief. We’ll help you understand which one fits your life.

What Chapter 7 Can Do for You

Available in Colorado & Kansas

Chapter 7 bankruptcy gives you a fresh financial start by wiping out most unsecured debts and stopping creditor harassment. It’s designed to help honest individuals who are overwhelmed by debt get relief and move forward with peace of mind.

Here’s what Chapter 7 can do for you:

Eliminate unsecured debt such as credit cards, medical bills, and personal loans.
Stop creditor calls, lawsuits, and wage garnishments immediately through the automatic stay.
Protect most essential property through state or federal exemptions (like your home, vehicle, and household goods).
Rebuild your credit faster than you might think — many filers receive new credit offers within months.
Start fresh financially without the burden of overwhelming debt holding you back.

Learn More

What Chapter 13 Can Do for You

Currently available in Colorado

Chapter 13 bankruptcy helps you regain control of your finances by creating a court-approved repayment plan that fits your budget. It’s ideal for individuals who want to catch up on missed mortgage or car payments while protecting their home and other assets.

Here’s what Chapter 13 can do for you:

Stop foreclosure and save your home by catching up on past-due mortgage payments over time.
Prevent vehicle repossession and even lower your car loan balance in some cases (“cramdown”).
Consolidate and simplify your debts into one manageable monthly payment.
Protect co-signers and valuable property that might be at risk in Chapter 7.
Pay what you can afford over three to five years — then receive a discharge of remaining eligible debt.
Gain peace of mind with a structured plan and protection from creditors while you rebuild your finances.

Learn More

Don’t face financial crisis alone. Let someone who’s been there guide you to a fresh start.

Payment plans are available, but all fees must be paid prior to filing.

Schedule Your Consultation

New Effective April 1, 2026

Median Income Limits

For cases filed on or after April 1, 2026. If your household income is below your state’s median, you generally qualify for Chapter 7.

Colorado

Annual Median Income

Household Size	Median Income
1 person	$87,940
2 people	$109,497
3 people	$130,850
4 people	$153,501
5+ people	Add $11,100 per person above 4

Kansas

Annual Median Income

Household Size	Median Income
1 person	$69,197
2 people	$87,441
3 people	$103,852
4 people	$125,971
5+ people	Add $11,100 per person above 4

Source: U.S. Trustee Program, Census Bureau Median Family Income By Family Size for means testing, effective for cases filed on or after April 1, 2026. Department of Justice.

Schedule Your Initial Consultation

Attorney Tirado celebrating with a client in boxing gloves

Why Choose Tirado Law Office?

Compassionate Representation From Someone Who Understands

When you’re facing financial stress, the attorney you choose matters. At Tirado Law Office, we believe bankruptcy isn’t about giving up — it’s about taking your power back. We combine legal precision with compassion, strategy, and relentless advocacy to help you rebuild your life with dignity and strength.

You can certainly shop around for other, more experienced, award-winning attorneys or hire a large firm to handle your case. I offer competent, client-centered advocacy with compassion. When you hire Tirado Law Office, you won’t be just a number or a case file. While no attorney can guarantee results or a favorable outcome, I can guarantee that you will have direct access to me — an attorney who truly understands what you’re going through and is willing to fight for you.

I walk you through every step of the process with compassion and clarity because I have been in your shoes. I know what questions you have, what fears keep you up at night, and what information you actually need (not legal jargon that leaves you more confused).

Areas We Serve

Statewide in Colorado & Kansas

Bankruptcy proceedings are generally handled virtually, so we can represent you wherever you are in either state.

Colorado Office

Downtown Alamo Corporate Center

102 S. Tejon Street, Suite 1100

Colorado Springs, CO 80903

Virtual hours by appointment only

Kansas Office

4925 S. Broadway, Ste 1190

Wichita, KS 67216

For mailing purposes · not a physical address

Representation

Kansas: Chapter 7 bankruptcy representation throughout the state.

Colorado: Chapter 7 and Chapter 13 bankruptcy representation throughout the state.

Free · Virtual · Confidential

Ready to Take Your Power Back?

Book a free, virtual bankruptcy consultation. We’ll walk through your options in plain English, with no legal jargon.

Schedule Your Consultation Email Sam

844-TIRADO-1