Broomfield County Bankruptcy Lawyers

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Compare 11 top rated Colorado attorneys serving Broomfield County.
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David M. Serafin
PREMIUM
David M. Serafin
Bankruptcy Lawyer Serving Broomfield County, CO
10.0Justia Lawyer Rating for David M. Serafin
Free Consultation! Skilled & Experienced Colorado Bankruptcy Law Attorney!
I am a dedicated and experienced bankruptcy law attorney. I provide exceptional counsel and representation to protect your rights and interests! Visit my website for client testimonials. Call for a free consultation. Read More »
Andrew S. Trexler
PREMIUM
Andrew S. Trexler
Bankruptcy Lawyer Serving Broomfield County, CO
10.0Justia Lawyer Rating for Andrew S. Trexler
Dedicated, Experienced Bankruptcy Lawyer. Call for a free consultation!
At The Law Office of Andrew S. Trexler, PC, our compassionate approach to bankruptcy leaves no surprises. Andrew brings knowledge and skills to help you take control of your debt so you can take control of your life. Read More »
John Cimino
PREMIUM
John Cimino
Bankruptcy Lawyer Serving Broomfield County, CO
Helping you through the bankruptcy process. Call me today for help!
As a former Chapter 7 trustee, I'm intimately familiar with the bankruptcy process. I'll use my knowledge and experience to guide you through your bankruptcy and help you achieve freedom from your debt. Call me for help! Read More »
Clark Dray
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Clark Dray
(303) 900-8598 6343 W 120th Ave #211
Broomfield, CO 80020
Free ConsultationOffers Video ConferencingVideo ConfBroomfield County, CO Bankruptcy Attorney with 15 years of experience
Bankruptcy and Estate Planning
The Ohio State University Michael E. Moritz College of Law
Whether you’re planning for the future by preparing your will, trust, or power of attorney or looking for a fresh start with a chapter 7 bankruptcy, chapter 13 bankruptcy, tax debt installment agreement, or offer in compromise, Colorado bankruptcy, estate planning, and tax resolution lawyer Clark Dray will oversee your case from beginning to end.

The Law Office of Clark Daniel Dray sets itself apart from other firms by providing unprecedented access to your attorney. By working with a limited number of clients, The Law Office of Clark Daniel Dray can provide the personalized service and attention to detail...
G. Damon Bruntz
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G. Damon Bruntz
Broomfield County, CO Bankruptcy Attorney with 17 years of experience
(720) 350-4275 390 Interlocken Crescent, Suite 30
Broomfield, CO 80021
Free ConsultationBankruptcy, Divorce, Estate Planning and Family
University of Denver
Damon Bruntz is a native of Colorado who grew up in Aurora. He received a Bachelor of Arts, magna cum laude, from Regis University and a Juris Doctor from the University of Denver. In 2007 and 2008, before opening his own practice, Damon worked as a contract attorney for two experienced attorneys in Littleton whose combined practice areas include Family Law, Estate Planning. Damon continues to work closely with both of those attorneys, in addition to working with his own clients. In 2006, Damon worked at the United States Bankruptcy Court, District of Colorado, as an judicial...
Gailyn Wink
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Gailyn Wink
Broomfield County, CO Bankruptcy Lawyer
(303) 410-1720 11101 W. 120th Ave.
STE 230
BROOMFIELD, CO 80021-3436
Bankruptcy
University of Colorado School of Law
Mark Zaynard
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Mark Zaynard
Broomfield County, CO Bankruptcy Lawyer
(720) 282-5755 P.O. Box 7588
Broomfield, CO 80021
Bankruptcy
Bryan Joseph Pechersky
Broomfield County, CO Bankruptcy Attorney with 29 years of experience
(720) 566-2938 385 Interlocken Crescent
# 400
Broomfield, CO 80021
Bankruptcy, Business, Environmental and Securities
The University of Texas School of Law
Kelsey Leigh Pollard
Broomfield County, CO Bankruptcy Lawyer with 10 years of experience
(303) 439-4624 11101 W 120th Ave
#400
Broomfield, CO 80021
Bankruptcy and Business
SMU Dedman School of Law
Rosland Fisher McLeod
Broomfield County, CO Bankruptcy Attorney with 28 years of experience
(303) 813-5190 500 Eldorado Blvd
Ste 4300
Broomfield, CO 80021
Bankruptcy, Administrative, Family and Health Care
University of Houston Law Center
Mrs. Carla M. Garcia
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Mrs. Carla M. Garcia
Adams County, CO Bankruptcy Lawyer with 30 years of experience
(303) 839-8888 12365 North Huron Street
Suite 1800
Westminster, CO 80234
Free ConsultationBankruptcy
Our office has successfully handled THOUSANDS of cases since 1977. We handle bankruptcy, real estate, family law, and personal injury matters. We are also Real Estate Brokers. Se Hablamos Espanol!
Gary Merenstein
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Gary Merenstein
Boulder County, CO Bankruptcy Attorney with 35 years of experience
(303) 875-8884 773 Furrow Way
Lafayette, CO 80026
Free ConsultationBankruptcy, Business, Elder and Tax
Solo practitioner focusing on consumer protection, tax law, contracts, litigation
Aileen Law
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Aileen Law
Adams County, CO Bankruptcy Attorney with 23 years of experience
(303) 301-2650 8753 Yates Drive
Westminster, CO 80031
Bankruptcy, IP and Patents
Darby Nathelle Moses
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Darby Nathelle Moses
Jefferson County, CO Bankruptcy Attorney with 45 years of experience
(303) 378-8549 5275 Marshall St Ste 105
Arvada, CO 80002
Bankruptcy
Kevin Scott Neiman
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Kevin Scott Neiman
(303) 996-8637 999 18th Street, Suite 1230 S
Denver, CO 80203
Denver County, CO Bankruptcy Lawyer with 28 years of experience
Bankruptcy and Business
University of Miami School of Law
With over two decades of experience, Kevin S. Neiman has helped countless clients in state and federal courts. Providing exceptional client service and representing clients with superior professionalism are primary goals of Mr. Neiman. His experiences have shaped him into a strong advocate and strategist for all his clients, no matter how complicated the case is. He strives to be the consummate professional and a responsible civic caretaker. Specializing in practice areas arising out of distressed situations such as personal or business financial problems and commercial disputes, his mission is to assist clients achieve their goals in a professional, efficient...
Matt J McCune
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Matt J McCune
Denver County, CO Bankruptcy Lawyer with 22 years of experience
(303) 759-0728 3900 E Mexico Ave. Suite 300
Denver, CO 80210
Free ConsultationBankruptcy
The University of Denver Sturm College of Law
Hello! Thanks for visiting our website.  Here's a little background on me: 

I was born and raised in Colorado and love all it has to offer, especially the people! I received my Juris Doctor Degree (law degree) from the Denver University College of Law in 2002. While in law school, I served on the DU Law Review. Since 2002, I have successfully prosecuted thousands of Chapter 7 and Chapter 13 Bankruptcy cases. I'm an active member of the National Association of Consumer Bankruptcy Attorneys (NACBA), as well as a regular speaker and lecturer at Continuing Legal Education bankruptcy seminars, where I...
Todd Stoneman
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Todd Stoneman
(303) 656-6597 353 Main Street
Longmont, CO 80501
Boulder County, CO Bankruptcy Attorney with 14 years of experience
Bankruptcy
University of Denver
I’ve been very fortunate to have lived a life full of rich experiences. I’ve been through a lot and turned out pretty well (at least this is what my wife, mom, and therapist tell me).

The way I operate my practice is that if I believe I can assist you – with the deserved level of competence required – I will, and if not, I have a short list of other like-minded attorneys I am comfortable referring good folks to.

Since first deciding to pursue a career in law, I wanted to do it my way, as a solo practitioner. Giving back...
William Foster
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William Foster
(720) 466-5144 90 Madison St. #102
Denver, CO 80206
Free ConsultationDenver County, CO Bankruptcy Attorney with 18 years of experience
Bankruptcy and Business
University of Wyoming College of Law
I offer competitive rates for Chapter 7 Bankruptcy in Colorado, focusing on making the filing process quick, easy, and affordable while maintaining a high level of service. When you call me, you'll immediately notice how I go out of my way to assist you. Unlike larger firms, my clients always have direct access to their attorney. My firm is unique in including post-bankruptcy credit repair advice, helping my clients rebuild their credit faster than the national average for bankruptcy filers. I tailor my services to those who need them most and strive to keep my overhead low, passing the savings...
David M. Serafin
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David M. Serafin
(303) 862-9124 501 S Cherry St
#1100
Denver, CO 80246
Free ConsultationDenver County, CO Bankruptcy Attorney with 22 years of experience
Bankruptcy, Business, Estate Planning and Foreclosure Defense
Valparaiso University School of Law
David M. Serafin has over fourteen years of legal experience. Giving him a unique edge over other Denver lawyers as taxation related issues frequently intertwine with bankruptcy, debt collection and estate planning issues, David has obtained a Master’s Degree in Taxation from the University of Denver, graduating near the top of his class with an ‘A’ grade point average.

David especially finds gratifying helping clients who, because of job loss, medical bills, foreclosure/repossession related issues or credit card debt, have been required to file for Chapter 7 or Chapter 13 Bankruptcy. David further enjoys the intellectual stimulation of the tax issues...
Vandana Koelsch
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Vandana Koelsch
Denver County, CO Bankruptcy Attorney with 21 years of experience
(720) 245-2404 1600 Stout Street
Suite 1900
Denver, CO 80202
Offers Video ConferencingVideo ConfBankruptcy, Communications, IP and Patents
University of Colorado Law School
I am an experienced Colorado transactional attorney and commercial litigator with a focus on privacy and intellectual property claims. I was recently promoted to Shareholder and serve on the Ethics Committee for the Colorado Bar Association. Prior to joining the Firm, I served as General Counsel to a publicly traded intellectual property licensing company and served as Chief IP Counsel to a telecommunications company. I clerked for the Hon. Justice Alex J. Martinez (Ret.) of the Colorado Supreme Court.
Susan Hardie Jacks
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Susan Hardie Jacks
Denver County, CO Bankruptcy Attorney with 40 years of experience
(303) 592-5900 1700 Lincoln Street
Suite 2700
Denver, CO 80203
Free ConsultationBankruptcy, Business and Legal Malpractice
University of Virginia School of Law
In her more than 30-year career, Susie has helped her clients resolve disputes in state and federal trial and appellate courts across the nation in a wide array of areas – including real estate and other Ponzi fraud schemes, fiduciary duty litigation, intellectual property, construction, probate, professional malpractice and bankruptcy-based preference and fraudulent conveyance litigation. Whether the client is one person or dozens of individuals, a bankruptcy trustee, a corporation, or trust beneficiaries, Susie brings to each client’s representation a deep understanding of the financial and emotional components of litigation and a commitment to resolving disputes in the most efficient...
Michael Cross
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Michael Cross
Denver County, CO Bankruptcy Lawyer
(303) 592-5900 1700 Lincoln Street
Suite 2700
Denver, CO 80203
Free ConsultationBankruptcy, Business, Construction and Insurance Claims
Indiana University Robert H. McKinney School of Law
Mike helps businesses navigate the turbulent waters of litigation, often when the fate of the company is at stake. Mike focuses particularly on construction litigation, representing developers, subcontractors, and everyone in between. Mike understands the devastating effect of even a single project going off the rails. He works with his clients during contract negotiation and in the initial stages of the dispute to put them in the best position possible, then aggressively litigates on behalf of his clients through trial and beyond. Mike also represents those who have been harmed by the negligence of others. Mike specializes in difficult cases, obtaining...
Martin E. Long
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Martin E. Long
Denver County, CO Bankruptcy Lawyer with 41 years of experience
(303) 832-2655 303 E 17th Ave
#920
Denver, CO 80203
Free ConsultationBankruptcy, Estate Planning and Probate
The University of Denver Sturm College of Law
Martin Long is a former Chapter 7 Trustee with the United States Bankruptcy Court with over 40 years of debtor and creditor bankruptcy experience. LONG & LONG P.C. serves clients in the entire State of Colorado including the front range. Call 303-832-2655 now to schedule your free bankruptcy consultation.
T. Edward Williams
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T. Edward Williams
Denver County, CO Bankruptcy Lawyer with 14 years of experience
250 Fillmore Street
3rd FL
Denver, CO 80206
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy, Business, International and Real Estate
The University of Denver Sturm College of Law
Mr. Williams' experience includes both trial and transactional work. Mr. Williams has appeared in Federal and State courts, representing individuals and businesses in various matters, including claims involving Employment Discrimination, Bankruptcy Adversarial Proceedings, Breach of Contract, Real Estate Disputes, Real Estate Partition, Real Estate Litigation, Shareholder Disputes, and Employee Stock Ownership Plans (ESOP). On the transactional side of his practice, Mr. Williams focuses on Private Placement Memorandum (PPM), Choice of Entities issues, Partnership Dissolution, Post-and-pre-nuptial Agreements, and Trusts and Estate Planning.
Brian Landy
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Brian Landy
Denver County, CO Bankruptcy Attorney with 31 years of experience
(720) 416-1389 4201 E. Yale Ave., Suite 110
Denver, CO 80222
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy, Estate Planning and Probate
The Ohio State University Michael E. Moritz College of Law
Brian is a sole practitioner, practicing in Colorado since 1995. His client-friendly fees are simple flat fees for most matters. Brian provides quality estate planning services (wills and trusts) and representation in uncontested probate matters. He also represents consumers and small business owners in bankruptcy matters. With no staff, Brian provides one-on-one premium service to his clients, handling all client matters and communications, promptly and effectively.
Cory Martin Curtis
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Cory Martin Curtis
Denver County, CO Bankruptcy Attorney with 16 years of experience
(720) 263-4600 5353 West Dartmouth Avenue
Denver, CO 80227
Bankruptcy, Estate Planning, Family and Tax
New England Law | Boston
Born in Vernal, Utah, Attorney Curtis grew up in Utah but now calls Colorado home with his wife and son. Attorney Curtis founded the Curtis Law firm, LLC with the honest belief that quality legal services should be accessible to everyone, not just the wealthy. From the beginning, Curtis Law Firm has been helping its clients resolve their legal problems so they can get on with the business of living.
Andrew McKenna
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Andrew McKenna
Denver County, CO Bankruptcy Attorney with 31 years of experience
(303) 730-8819 3801 E Florida Ave
Denver, CO 80210
Free ConsultationBankruptcy
Andrew F. McKenna promises compassionate, personal legal assistance based on his 27 years of experience with consumer bankruptcy proceedings.

Based in Colorado, Andrew F. McKenna understands the crisis of financial debt in the area and is committed to utilizing his legal acumen to help the debtors in his community. His credentials include:

– NACBA membership
– BBB accreditation with an A+ rating
– Membership with the Tom Martino Referral List for over 5 years.

At the Law Office of Andrew F. McKenna, you will find a team that is committed to giving you respectful, expert support....
Jane Roberson
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Jane Roberson
Denver County, CO Bankruptcy Attorney with 25 years of experience
(303) 893-0833 720 S Colorado Blvd., #630
Denver, CO 80246
Free ConsultationBankruptcy
University of Denver
Denver Bankruptcy Law Firm

BANKRUPTCY IS OUR PRIMARY BUSINESS.

We are a boutique bankruptcy law firm, located in Denver. We specialize in Chapter 7, Chapter 13 and business bankruptcies, as well as debt settlement and offers and compromises with the Internal Revenue Service.

Our attorneys and staff are experienced in all of these areas.

OUR ATTORNEY:

Jane M. Roberson, Owner
Michael Allen Robinson
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Michael Allen Robinson
Jefferson County, CO Bankruptcy Attorney with 35 years of experience
(720) 945-9060 225 Union Blvd
Ste 140
Lakewood, CO 80228
Free ConsultationBankruptcy, Animal, Business and Collections
University of Denver
Attorney Mike Robinson has lived in Douglas County, Colorado for over 20 years. He has served on the Board of Directors of the Castle Rock Chamber of Commerce and Cantril House Assisted Living Center, as Post Commander of the Castle Rock Veterans of Foreign Wars Post #10578, President of the Douglas-Elbert Bar Association, Board of Governors - Colorado Bar Association, the Colorado Trial Lawyers Association, and Phi Delta Phi Legal Fraternity, Who's Who in American Law.
David Eric Moorhead
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David Eric Moorhead
Boulder County, CO Bankruptcy Attorney with 35 years of experience
(303) 447-1400 1650 38th Street
Suite 201E
Boulder, CO 80301
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy, Criminal, DUI and Domestic Violence
Southern Methodist University
David Moorhead has provided criminal defense representation in the Boulder area and throughout Colorado for over 31 years. He has a graduate degree from Southern Methodist University Law School and an undergraduate degree in Political Science from the University of Colorado at Boulder. In 1989 David began his legal career as Deputy District Attorney in Grand Junction. In 1992 he started his private practice focusing solely on criminal defense work and has been the Attorney of Record in over 4000 cases, in counties all over Colorado. If you have been accused of a crime, hiring an seasoned criminal defense...
Eric Douglas Wollard
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Eric Douglas Wollard
Jefferson County, CO Bankruptcy Attorney with 26 years of experience
(303) 355-1141 4465 Kipling Street, Suite 200
Wheat Ridge, CO 80033
Free ConsultationBankruptcy, Estate Planning and Insurance Claims
University of Colorado - Boulder
Providing caring, experienced service in the areas of family law, criminal defense, consumer bankruptcy, and personal injury since 1998. Vast experience litigating complex cases in state and federal courts. Down to earth style, reasonable fees.
Patrick Vellone
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Patrick Vellone
Denver County, CO Bankruptcy Lawyer with 39 years of experience
(877) 534-4499 1600 Stout Street
Suite 1900
Denver, CO 80202
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy, Business, Construction and Consumer
University of Colorado Law School
Patrick D. Vellone’s primary area of practice is complex commercial litigation with an emphasis on lender and fiduciary liability, intellectual property litigation, securities, contract and bankruptcy adversary representation. For over 30 years, Patrick has been admitted to practice for particular cases and has litigated in numerous federal and state courts throughout the United States. He is a Martindale-Hubbell AV rated attorney and has been named a Colorado Super Lawyer annually since 2007. Patrick pursues every case with proactive, innovative and aggressive approaches designed to lead to a positive value result.
Peter Milwid
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Peter Milwid
Denver County, CO Bankruptcy Attorney
1888 Sherman St
Suite 650
Denver, CO 80203
Bankruptcy
University of California College of the Law, San Francisco
At Mile High Bankruptcy, we help people through every stage of the bankruptcy process, from making a responsible decision whether or not to file, to helping people restore their access to credit after discharge. Contact us in Denver for a free consultation about your bankruptcy options. Peter Milwid is a 25 year veteran bankruptcy practitioner. He began the bankruptcy firm in 1987 and has specialized exclusively in consumer and small business bankruptcy ever since. We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.
Thomas A. Arany
Claimed Lawyer Profile
Thomas A. Arany
Denver County, CO Bankruptcy Lawyer
(720) 802-0099 1660 Lincoln Street, Suite 2505
Denver, CO 80264
Bankruptcy
University of Colorado Law School
As I continue to develop my expertise in consumer bankruptcy, helping my clients get the full benefit of a financial fresh start remains my highest priority. I work with clients to straighten out their financial difficulties and engage creditors' attorneys and trustees while advocating for my clients' best interests. I am happy to be part of a team that is setting new standards for professionalism, capability, and organization in the consumer bankruptcy field.
Joann R. Long
Claimed Lawyer Profile
Joann R. Long
Denver County, CO Bankruptcy Lawyer with 40 years of experience
(303) 832-2655 303 E 17th Ave
#920
Denver, CO 80203
Free ConsultationBankruptcy, Estate Planning and Probate
Drake University Law School
Shelly Kuennen
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Shelly Kuennen
Jefferson County, CO Bankruptcy Lawyer with 14 years of experience
(303) 284-5727 14143 Denver West Pkwy., Ste 100
Golden, CO 80401
Free ConsultationBankruptcy
University of Denver
I grew up in Iowa and graduated from Wartburg College with a Bachelor's degree in History and Political Science. I attended law school at the University of Denver Sturm College of Law and graduated in 2004. I worked as a real estate agent for several years until I started the Kuennen Law Firm in 2010. My law firm represents individuals filing bankruptcy in Jefferson and Denver counties. Bankruptcy can be difficult and stressful, but I enjoy helping people through the process. After filing bankruptcy, my clients are in a better position, both financially and...
James S. Helfrich
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James S. Helfrich
Denver County, CO Bankruptcy Lawyer with 34 years of experience
(877) 534-4499 1600 Stout Street
Suite 1900
Denver, CO 80202
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy and Business
St. John's University School of Law
James S. Helfrich spent three years in Manhattan as an associate at Simpson Thacher & Bartlett. He then moved to Colorado where he worked as an associate at Gersh & Danielson and then as a founding partner at Gersh & Helfrich, LLP. James moved to Allen Vellone Wolf Helfrich & Factor P.C. in November 2010, where he continues to focus in commercial and securities litigation. James has helped hundreds of clients obtain justice in cases involving securities fraud, breaches of contract and fiduciary duty, bankruptcy, civil rights and environmental violations, illegal business practices, Ponzi schemes, real estate disputes, and bodily injuries. He...
Jay Hsu
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Jay Hsu
Denver County, CO Bankruptcy Lawyer
(303) 781-1533 600 17th Street, Suite 2800 South
Denver, CO 80202
Free ConsultationBankruptcy and Business
University of Colorado - Denver
Mr. Jay Hsu, Esq. currently works for the Parkes Law Group, LLC. He is a bankruptcy attorney practicing Chapter 7 bankruptcy and Chapter 13 bankruptcy in Denver, Colorado. He has assisted hundreds of clients in obtaining a bankruptcy discharge. Call Mr. Hsu for a confidential, free bankruptcy consultation to go over your debt-relief options. The office # for Parkes Law Group, LLC's Bankruptcy Law Office is 303-781-1533.
Peter Brian Mullison
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Peter Brian Mullison
Denver County, CO Bankruptcy Lawyer with 26 years of experience
(303) 331-3403 2373 Central Park Boulevard
Suite 100
Denver, CO 80238
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy
University of Wyoming College of Law
Nora Nye
Claimed Lawyer Profile
Nora Nye
Denver County, CO Bankruptcy Attorney with 25 years of experience
(303) 228-2175 3773 Cherry Creek N. Dr.
Suite 575
Denver, CO 80209
Free ConsultationBankruptcy, Administrative, Civil Rights and Employment
The University of Denver Sturm College of Law
We offer low cost chapter 7 and chapter 13 bankruptcies for consumers as well as representing employees in unemployment hearings and other employment law matters. Go to www.nyelawfirm.com for more information. Thank you.
Robert P. Mills
Claimed Lawyer Profile
Robert P. Mills
Denver County, CO Bankruptcy Attorney
(720) 802-0099 1660 Lincoln Street, Suite 2505
Denver, CO 80264
Bankruptcy
Washburn University
Robert Mills is a skilled bankruptcy attorney with over a decade of legal experience.
Amy D Griner
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Amy D Griner
Jefferson County, CO Bankruptcy Lawyer with 24 years of experience
(720) 690-5679 355 S Teller Street
Suite 200
Lakewood, CO 80226
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy, Criminal, Estate Planning and Family
Indiana University - Indiana University-Bloomington
After more than 20 years of practicing law in both Indiana and Colorado, Amy Griner decided there had to be a better way to run a law firm. Tired of seeing good people in need of assistance being turned away because of high retainers, inflexible payment options or being over billed, Amy decided that something had to be done. After graduating from Indiana University Maurer School of Law, Amy started a successful 10 year career as a deputy prosecutor before taking her talents to a private practice and finding her passion in criminal defense and family law. She became a...
Stephen C. Harkess
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Stephen C. Harkess
Jefferson County, CO Bankruptcy Lawyer with 25 years of experience
(303) 834-7933 10200 W. 44th Avenue
Suite 120
Wheat Ridge, CO 80033
Free ConsultationBankruptcy, Consumer, Divorce and Family
University of Denver
I have been serving clients in my own law firm since 2002. In 2006, I was joined by my partner Robert Salter. My primary focus is real estate and consumer bankruptcy. Robert Salter focuses on estate planning and family law. I have helped clients save their home from foreclosure and eliminate second and third mortgages. I've helped people get out from under tens of thousands of dollars of debt and get a fresh start. I have also helped to end creditor harassment and pursued creditors who violate Fair Debt Collection laws.
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