The Law Office of Clark Daniel Dray - Boulder, CO

Comprehensive Debt Relief and Personal Planning in Boulder

When life throws unexpected financial or personal challenges your way, having a compassionate, expert attorney who speaks your language can make all the difference. At The Law Office of Clark Daniel Dray, we offer specialized bankruptcy, estate planning, and tax resolution services designed to help you regain control of your life. Serving Boulder and the surrounding Front Range communities, we pride ourselves on providing unprecedented direct access to your lawyer. By limiting our caseload, we ensure that every client receives personalized attention, direct communications, and thorough case oversight from beginning to end, without getting lost in legal jargon or complex procedures.

Personalized Support for Chapter 7 and Chapter 13 Bankruptcy

Deciding to file for bankruptcy is a difficult decision, but it is often the most effective tool to halt wage garnishments, stop creditor harassment, and eliminate overwhelming credit card balances or medical bills. We guide you through both consumer bankruptcy options to determine the best path forward:

• Chapter 7 bankruptcy: Often called liquidation bankruptcy, this process completely discharges your qualified unsecured debts in just a few months. We review your financial situation to ensure you pass the means test and apply Colorado exemptions to keep your home, vehicle, and other precious belongings safe.
• Chapter 13 bankruptcy: If you are struggling with a foreclosure or have a regular income that prevents you from filing under Chapter 7, Chapter 13 allows you to consolidate your debts into a manageable three-to-five-year repayment plan, helping you protect your home and repay past-due balances over time.

Secure Your Future with Tailored Estate Planning and Probate

Planning for the unexpected is one of the most loving things you can do for your family. Clark Daniel Dray takes the time to thoroughly understand your personal wishes and construct robust estate planning documents that are clear and easy for your heirs to navigate. We help you draft comprehensive wills, establish living trusts to avoid the costly probate process, and assign medical and financial powers of attorney. If you have recently lost a loved one, we also offer compassionate probate and estate administration services, guiding you step-by-step through the process of winding down their financial affairs with dignity and ease.

Strategic Tax Resolution and IRS Representation

Struggling with unpaid state or federal taxes can feel like an endless burden, especially when the IRS threatens tax liens, levies, or wage garnishments. Our firm works to find viable paths to resolve tax disputes. We represent individuals and business owners in structuring installment agreements, negotiating offers in compromise to settle your tax liability for less than what is owed, or filing for currently-not-collectible status. We analyze your back taxes to see if they can be legally discharged through bankruptcy, integrating our debt relief expertise with tax resolution strategies to achieve optimal financial results.

Contact Our Boulder Office Today for Your Free Consultation

At our firm, we do not judge or lecture; we are here to provide clear, actionable information so that you can make informed decisions for yourself and your loved ones. We are active members of the Colorado Bar Association, the National Association of Consumer Bankruptcy Attorneys (NACBA), and the Colorado Consumer Bankruptcy Association. We offer highly affordable rates and flexible payment structures to fit your budget. Contact us today to schedule your free, confidential initial consultation and begin your journey toward a brighter, debt-free future.