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Robert I Cohen, P.C. is now
Henze & Associates, P.C.


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35 Years of

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BANKRUPTCY It's not a word that anyone wants to hear, especially regarding their own personal financial situation! But it's a necessity in a world of risk, capitalism, and events beyond our control. It allows for a fresh start and keeps lives from being ruined.

Denver Bankruptcy Lawyer Mark E. Henze has been helping people to use the bankruptcy laws to stop home foreclosures, vehicle repossessions, and garnishments, to help with taxes, medical/job loss, and creditor harassment and to take back control and manage their debts for longer than nearly anyone else in Denver.


When you turn your financial problems over to Mark, you'll get the peace of mind that comes with knowing that experts with over 35 year of experience are on your side. Suddenly, you can breathe again, sleep again, and re-focus on those things you should be focusing on. Call us NOW for your FREE in-office consultation with an Attorney. This valuable information cannot hurt you!

Issues We Can Help With...

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Foreclosure Debt Collections Foreclosure Foreclosure Foreclosure

We are EXPERTS in both Chapter 7 AND Chapter 13 bankruptcy cases!

Many attorneys will refer you to other firms (often to us) if you are better served by a Chapter 13. In many cases, they will try to force you into their favorite type of case, even if it is not in your best interest. Our firm is here to explain to you how bankruptcy works and to examine your case, give you advice and prepare your case to help you achieve the most benefit possible under the law. By hiring us, our job is to help you navigate the pitfalls of the bankruptcy law. We will determine which type of bankruptcy (Chapter 7 or Chapter 13) is either required or best for you, when it would be best to file your case and how to proceed. The consequences of making the wrong choices here can be disastrous. Filing the wrong type or at the wrong time may jeopardize your case and your property … or may mean that you will have to pay back debts that you might otherwise have avoided.

What Else Can I Learn From This Website?

Be sure to check out the remainder of this website. It offers a complete resource to answer all of your bankruptcy questions. Once you are a client, you will also get a password that gives you access to even more information to help you through the process and after your case is completed. Check out the Common Questions and a number of special Bankruptcy articles on foreclosures, collections, repossessions and taxes. Also, the Myths & Folklore section will dispel a number of mistaken notions that have been perpetuated in the media or on the internet. This will give you a good overview of what the current bankruptcy law is. You'll also find a section telling you more about Mark (over 30 years of practice and a former professor).

For your no cost initial consultation at our office, call us at (303) 830-2811.

Bankruptcy Lawyers and Attorneys you can trust and afford!


Denver and Bankruptcy

Denver is the capital and largest city in the state of Colorado.  Home to the Denver Broncos,(football) the Colorado Avalanche (hockey), the Denver Nuggets (basketball) and the Colorado Rockies (baseball) as well as a thriving cultural and art scene, Denver is the largest city in Colorado and has a population of 634,265 with a metro area population of over 2.6 million.  Millions of people choose to call the Denver area home because of its beautiful scenery and thriving outdoor life.  From concerts at the Red Rocks Amphitheater to skiing at one of dozens of world class ski resorts, Denver residents love the outdoors, despite variations in temperature, seasonal changes, and more days of sunshine than any city in America.

Yet, while Denver is a great place to live, its residents are not immune from financial struggles.  In fact, since so many people in a variety of occupations and professions seek to live in Denver, Denver can be a difficult place financially. In order to ensure that all Denver residents receive quality legal advice when it comes to filing bankruptcy, offers a free initial consultation to discuss financial problems with anyone who seeks good quality counsel and information.

How Does Bankruptcy Help Those Who Owe Money?

While many people think of bankruptcy as something negative, it is actually designed to protect and help those who use it.  Bankruptcy allows individuals and companies to discharge debt that is simply unmanageable and avoid and stop creditor actions that could result in years of crushing payments and garnishments.  Bankruptcy provides a fresh financial start for those who are having trouble paying bills and allows them to begin again with a clean slate.  If you are facing foreclosure, repossession, garnishment or other creditor legal proceedings, bankruptcy may be able to help you avoid legal action and discharge the debt so that you never again have to worry about creditor harassment. See also our own Colorado focused articles (above) concerning foreclosure, auto repossessions, debt collections, and taxes. With years of experience in bankruptcy proceedings, Mark can help you decide if bankruptcy is the right option for you and, if so, under which Chapter you should file.

Do I Have Options in Bankruptcy?

A bankruptcy is filed under one of the Chapters available through the United States Bankruptcy Code.  Bankruptcies are handled in special federal courts known as Bankruptcy Courts and presided over by federal judges. Depending on the type and amount of your debt, our attorneys may recommend that you file under Chapter 7 or Chapter 13 of the Bankruptcy Code.  Chapter 7 cases generally involve few secured debts and are known as "liquidation" bankruptcies, while Chapter 13 cases are usually filed by wage earners.  However, no generalization can cover every situation, so those interested in seeking bankruptcy protection should take the time to get valuable information in one of our free in-office consultations.

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Clients of this firm get Special Access to a "Clients Only" areas with all the forms they will need, information, and additional articles and resources.  We have more helpful information on this site than any other firm!