COVID 19 – Practice Update

To My Clients (COVID-19) Notice:

1. With the uncertainty surrounding COVID – 19, and potential court closures and delays- I wanted to update you all on how this will affect the practice.

2. I will be in the office going forward as per usual. I am happy to continue my appointments and have extensively cleaned the meeting area(s) just as a matter of common sense. The building itself is doing extra cleaning during the day. (I personally clean the office area(s) so no one outside the firm ever has access to your information).

3. I am paying attention to the government response with an eye toward explaining any relief programs the government may offer and hope to be able to communicate those to you effectively once they are announced.

4. Where we don’t want to proceed normally is where:

a. you are sick
b. someone in your household is sick
c. you have an underlying heart or lung condition
d. you simply do not want to “risk it,” and feel better staying

I have downloaded What’s App, Google Duo and Zoom to my cell phone, and you might want to do the same so that you can “meet” with myself or others through videoconferencing.

If you do come in, I will be skipping handshakes and may move some appointments to the downstairs conference room (where there is a marble table easily cleaned).

5. We appreciate the opportunity to work with you and understand your health is of primary importance. Even the Courts may be adjusting schedules and procedures to deal with this crisis, but we will get there together.

6. If you’re experiencing abnormal levels of anxiety and stress be sure to take care of yourself first. This is crucial to the body’s immune response. Drink plenty of water and get rest. You may consider meditating for a bit each day, just sitting for ten minutes and concentrating on your breath.

7. If you’re an existing client, please do not hesitate to ask for help with ANY problem you may have. If you need groceries, a ride, need to talk, etc. I’m here, I’m happy to help where I can. 303 501 4028- Robert 3/14/20

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Coronavirus, One Lawyer’s Advice

If you would like a video/smartphone consult please call 303 501 4028. There is a good deal of effort cleaning the office, and so far we’re not ill down here. But, it may make perfect sense to use the telephone, email, and video conferencing to make arrangements. The bankruptcy courts are converting some hearings to telephonic. We ALL may be in for a hard time here. Reach out to the elderly and people who live alone. If I can help in any way let me know. Meantime; eat well, get rest, self isolate where possible and rely on solid info only. Meditation and exercise can also help with stress. Might be time to read that book you’ve wanted to read, or do what have you in the way of self care. Key is to keep it together, and remain calm, and rational. If the wheels are coming off your financial situation, let me know we can plan to minimize likely damage, and keep you on the road. If you’re feeling unwell, reach out. Rob. 303 501 4028. 


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4 Signs a Bankruptcy May Be Necessary

4 Signs That A Bankruptcy May Be Necessary

  1. You Are Not Making Progress Long Term on Your Balances.

If you are making minimum payments only on your consumer debt and can not seem to make progress on the balances, a bankruptcy might make sense. This depends on the circumstances including the level of debt and the reasons you are not making progress. For some people making minimum payments on a $10,000 debt for a while may make sense. For others, those with a fixed income or those facing health challenges, that same $10,000 balance may be an unacceptable burden where bankruptcy makes all the sense in the world.

  1. You Are Not Enjoying Life Long Term.

Having significant debt is very stressful. If your debt is such that over a long period of time, you face stress and unhappiness such that it affects your health, you might consider a bankruptcy. Many of my clients endured many years of stress before they made the decision to file. I have seen this stress ruin marriages and cause serious disease. I can honestly say I have never had a client who expected to file bankruptcy or who planned a bankruptcy. Conversely, I usually hear from people who are very relieved to have a fresh start, and wish they had considered the idea years earlier.

  1. You Are Considering Using Home Equity or Retirement Funds to Pay Credit Cards.

This is almost always a bad idea, depending on the numbers involved and the age of the person. A thirty-year old with 100s of thousands of retirement funds who can eliminate a $10,000 debt , where that is the person’s only debt, may want to do that. What I typically see however, is a much older person with a family using precious retirement funds or home equity to pay a debt off where that debt makes little difference to the overall picture. A person should definitely not use retirement funds or home equity to “buy time.”

  1. Your Family Needs You to File In Order to Secure a Better Quality of Life.

People with children, elderly relatives or sick relatives often come to the conclusion that bankruptcy is the only way they will be able to continue to help a dependent.

The Overall Message From the Gauss Law Firm:

Filing for bankruptcy is a very personal and contextual decision. It depends on many things. If you would like a consultation to discuss a potential bankruptcy filing, please call 303-501-4028.

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