Chapter 7 Bankruptcy
Eliminate most unsecured debt in 5–6 months. Keep exempt property including your home, car, retirement, and tools of the trade.
Requires means test qualification
Full-service debt relief since 2009
Get out of debt. Rebuild your life.
Denver's trusted bankruptcy, debt settlement, and tax resolution firm. We handle everything under one roof so you get honest answers — not a sales pitch for a single solution.
17+
Years in practice
700+
Credit score in 24 mo
50%
Avg debt settlement
What we do
Full-service debt relief under one roof
Chapter 13 Bankruptcy
Reorganize debt into a 3–5 year repayment plan. Stop foreclosure, strip second mortgages, and reduce vehicle loan balances.
Regular income required
Debt Settlement
Negotiate directly with creditors to settle for less than you owe. Credit card lenders typically accept around 50% of the balance.
Our fee: 10% of enrolled debt
Tax Resolution
Release levies and garnishments, negotiate Offers in Compromise, set up payment plans, and resolve back taxes with the IRS.
Levy release in days, not weeks
Small Business
Business bankruptcy, SBA and EIDL loan resolution, merchant cash advance defense, and entity restructuring for Colorado businesses.
Keep up to $60K in tools of the trade
Timing matters in debt settlement. Creditors are most willing to negotiate between 5–8 months of missed payments, when the perceived value of the debt drops to its lowest point. We help you hit that window to maximize savings.
How it works
Your path to debt relief
Free consultation
We review your full financial picture — income, debts, assets — and give honest advice on which path fits best. No pressure, no cost.
Choose your strategy
Because we handle bankruptcy, settlement, and tax resolution, we recommend the right tool for your situation — not the only one we offer.
We go to work
Creditor calls redirect to us immediately. We handle all paperwork, court filings, negotiations, and IRS communication on your behalf.
Debt resolved
Your debts are discharged, settled, or restructured. We guide you through credit rebuilding so you're back above 700 within 24 months.
Client stories
Real results from real people
"Mike and Gigi treated us like we were their only clients. They were honest, fast, and we wish we had called sooner."
"They settled $116,000 in debt for $59,000. The whole process was less stressful than I imagined. Absolute professionals."
"However many stars there are, you get all of them. Mike gives out his personal cell and actually answers it."
"They helped humanity, not just our pocketbook. The lack of judgment and honesty meant everything to us."
"I can breathe again. From the first call they took the weight off my shoulders and handled everything."
"There's a huge difference in bankruptcy attorneys. The Wink firm are the ones who actually care about your outcome."
Meet your attorney
Michael Wink
J.D., MBA · Bankruptcy Attorney & Founder
Colorado Bar (2000)
J.D./MBA, CU Boulder
NACBA Member
Former CEO
Mike founded The Wink Law Firm in 2009 after a career as CEO of a private company. That business background gives him a perspective most bankruptcy attorneys lack — he understands debt from both sides of the table.
He holds a J.D. and MBA from the University of Colorado at Boulder and a B.S. in Accounting and Engineering Management from Clarkson University. Before law, he managed over $6 million in revenue and a team of 50.
Mike gives every client his personal cell phone number. When he says the consultation is free and pressure-free, he means it.
Common questions
Frequently asked questions
Will I lose my home or car?
Colorado has generous exemptions: up to $250,000 for your home ($350,000 if elderly or disabled) and $15,000 for your vehicle. Most clients keep everything they own.
How long does bankruptcy take?
Chapter 7 typically completes in 5–6 months. Chapter 13 involves a 3–5 year repayment plan, but creditor calls and garnishments stop immediately upon filing.
What happens to my credit score?
Most clients rebuild to a 700+ credit score within 24 months and qualify for a mortgage within 2–3 years. We guide you through credit rebuilding after discharge.
Bankruptcy vs. debt settlement?
As a full-service firm, we help you choose the right path. Bankruptcy gives a clean slate; settlement avoids court but creates taxable income. We'll recommend what fits your situation.
Can I stop a garnishment?
Yes. Filing bankruptcy triggers an automatic stay that immediately stops wage garnishments, bank levies, lawsuits, and creditor contact. We can file quickly when time is critical.
How much does this cost?
The initial consultation is always free. For debt settlement, our fee is 10% of enrolled debt — roughly half the industry standard. Bankruptcy fees depend on complexity.
Get in touch
Contact us
Phone & email
(720) 523-0620
Mike direct: (720) 984-4155
info@winklawfirm.com
Consultations
Free — by phone, video, or in person.
No pressure, honest answers.
Request a consultation →
Ready for a fresh start?
Free consultation — honest answers and objective advice with no pressure. Call or email today.
Call (720) 523-0620 Email us