The Bruntz Law Firm, LLCThe Bruntz Law Firm, LLC2026-06-05T07:49:56Zhttps://www.bruntzlaw.com/feed/atom/WordPress/wp-content/uploads/sites/1104163/2024/12/cropped-Bruntz-site-icon-c-32x32.pngOn Behalf of The Bruntz Law Firm, LLC<![CDATA[Crafting a Comprehensive Parenting Plan: Balancing Needs During Divorce]]>https://www.bruntzlaw.com/?p=2540922026-06-05T07:49:56Z2026-06-05T07:49:56ZDivorce changes how your family runs day to day. A parenting plan puts the new rules in writing so both parents know what to expect.
What a parenting plan covers in Colorado
Colorado courts review parenting plans under the best interests of the child standard, codified at C.R.S. § 14-10-124. The law requires parents to address both parenting time and decision-making responsibilities. Courts look for plans specific enough to prevent disputes. A complete Colorado parenting plan must address:
Parenting time schedule: When the child is with each parent during usual weeks and school breaks.
Decision-making authority: Who handles medical, educational and religious choices.
Exchange logistics: Drop-off and pick-up times, locations and transportation responsibilities.
Communication rules: How parents contact each other and how the child reaches the other parent.
Dispute resolution: Steps to resolve disagreements before returning to court.
Research from the Family Institute at Northwestern University shows children adjust better post-divorce when parental conflict stays low and both parent relationships remain strong.
Building a parenting time schedule
Think about your child's age and your real-life availability before picking a schedule. Young children usually do better with frequent contact and shorter time apart. Teenagers often prefer longer stretches with each parent.Common options include alternating weeks, a 2-2-3 rotation and a 5-2-2-5 schedule. Write out exact times for holidays and school breaks. Leaving anything as "to be agreed" tends to cause the exact fights you want to avoid.
Who makes decisions and how parents communicate
Joint decision-making means both parents must agree before acting on major choices. Sole decision-making gives one parent the final call, sometimes with a requirement to ask the other parent first. Spell out which approach applies to school, healthcare and activities. Many Colorado courts suggest co-parenting apps because they keep a written record of every message.
What to do when you disagree or need changes
Write a clear process for handling disagreements. Try mediation before filing anything with the court. You can also update the plan later if something significant changes in your child's life or your circumstances.
Getting guidance that fits your family
A parenting plan becomes a legally enforceable order once the court approves it. An attorney can help you understand your options and draft a plan that reflects your child's needs. ]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[Division of assets: Tips to handle second homes in divorce settlements]]>https://www.bruntzlaw.com/?p=2540792026-04-13T16:54:48Z2026-04-13T16:54:48Z lake cabin where you hosted summer barbecues or the ski condo you escaped to on long weekends can turn from a cherished retreat into one of the most complicated pieces of your divorce. Second homes carry more than market value: they bring mortgages, maintenance costs, rental income, tax issues and often strong emotional ties. When it is time to divide assets, those factors can make a vacation property harder to handle than a primary residence.
The following will discuss how the courts often handle these types of issues and provide tips to help you work through the process.
How do courts view second properties during divorce in Colorado?
Courts in Colorado will take various factors into account when making their determination. Before doing so, they will determine whether the property falls into one of two categories: marital or separate. Marital property is property acquired during the marriage and subject to division during divorce. Property owned before marriage, received by gift or received by inheritance is generally separate. Appreciation of separate property can become marital when attributable to marital contributions such as mortgage payments from marital earnings, improvements funded during marriage or spouse labor that increases value. It is also important to note that commingling can convert separate equity into marital.Before beginning negotiations about the second property, it is helpful to gather the following information:
Deed history, title changes and trust ownership if applicable
A record of funding sources for down payment, mortgage and improvements
Use patterns, rental income and any expense payments
Prenuptial or postnuptial agreement terms if applicable
Once this information is available, courts in Colorado will generally apply equitable distribution to determine next steps. This basically means they divide marital property fairly, not always equally.
How does a second property fall into the discussion for equitable distribution?
The first step is often valuation. This is not often an easy feat. Market volatility in resort areas can complicate appraisal and rental properties require analysis of income stream, vacancy rates and management costs. Debt allocation may also be an issue if there is a mortgage, special assessments or deferred maintenance. Taxes can also be a part of the discussion as there is the potential for capital gains exposure, depreciation recapture and even transfer taxes that can affect net value.
How can I reduce the risk of any surprises?
Tips that can help better ensure things go well include the following:
Organize the records discussed above. Having paperwork ready can cut down on time and frustration during the negotiation portion of the divorce.
Know what you want. Those going through a divorce will need to consider their priorities. What is it you want most after the divorce? Is it the second property? The primary home? Are there other assets you are interested in? It can be beneficial to have a list in order of top priorities to help keep focused during negotiations.
Prepare to negotiate. Before finalizing forms, negotiate to help get the assets you actually want after you finalize the divorce. Consider offering a trade of other assets with similar values for full retention of the desired asset.
Second homes require careful classification, credible valuation and a clear understanding of each party’s goals upon completion of the divorce. Once decided, it is important to tailor a divorce settlement agreement to the details of your case to better ensure it covers all relevant information. This can include title transfer, debt payoff and tax exposure. Although many forms are required to complete the process, a successful divorce is about more than just filing out forms. It requires careful negotiations and an understanding of the potential impact of the agreement on each party’s future. Legal counsel with experience in this area of law can help to mitigate any surprises and better ensure a smooth transition into post divorce life. ]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[Filing for bankruptcy? Here are the basics you need to know]]>https://www.bruntzlaw.com/?p=2540762026-01-29T09:58:43Z2026-01-29T09:58:43ZThe weight of mounting liabilities often leads to a paralysis of analysis, where the fear of the unknown prevents any meaningful action. Still, bankruptcy is not a sign of surrender, but a legal framework designed to provide a structured exit from unmanageable financial obligations. Understanding the basics is the first step toward regaining control of your future.
Two common options
Colorado residents must choose between Chapter 7 and Chapter 13, the two primary types of consumer bankruptcy, depending on their income and goals. Each path addresses your financial obligations and assets differently under state law.Chapter 7 serves as a liquidation bankruptcy that erases most unsecured debts, such as credit cards and medical bills, within three to four months. You must pass a "means test" to qualify, which compares your income to the Colorado state median.Chapter 13 works as a reorganization plan for individuals with steady income who want to keep their assets. You commit to a three-to-five-year payment plan to settle a portion of your secured debts, such as mortgages or car loans.
This injunction gives you breathing room to reorganize your finances. Colorado courts enforce this protection strictly, and creditors who violate it face penalties.
Dischargeable debts
The final goal of any filing is the discharge, which is a permanent court order that releases you from personal liability for your debts. You no longer have a legal obligation to pay discharged balances.Most credit card debt, medical bills and personal loans vanish upon discharge. Some obligations remain, such as child support, alimony and most recent tax liabilities. Criminal fines and most student loans also survive the bankruptcy process.
Property exemptions
Colorado has opted out of federal exemptions, so you must follow state-specific rules to safeguard your belongings. These include:
Homestead: Up to $250,000 in home equity, or $350,000 if you are elderly or disabled.
Vehicles: Up to $15,500 in vehicle equity, which increases to $25,500 for elderly or disabled filers.
Personal property: Exemptions cover up to $6,000 in household goods and $2,500 in jewelry.
Tools of the trade: Self-employed individuals or workers can protect up to $60,000 in equipment used for their primary occupation.
Correctly applying these exemptions requires precise documentation to avoid losing property to a trustee, who will oversee the discharge of your debts.
Process guide
Filing for bankruptcy in Colorado follows a specific chronological order:
Credit counseling: Complete a course from an approved agency within 180 days before filing.
Pre-filing preparation: Gather financial documents, including pay stubs, tax returns, bank statements and debt records.
Petition filing: File the formal paperwork with the U.S. Bankruptcy Court in Denver.
Debtor education: You complete a second financial management course after filing.
Discharge order: The court issues the final order after your trustee eliminates eligible debts (Chapter 7) or you finish your payment plan (Chapter 13).
Missing a deadline or filing incorrect paperwork can delay your case or result in dismissal.
Moving towards recovery
Once you clear the hurdle of unmanageable debt, you gain the space to create a sustainable budget and save for your goals. You can finally breathe easier knowing that your paycheck belongs to you and your family again. The end of a bankruptcy case marks the first day of your new financial life.]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[Choosing between chapter 7 and 13 bankruptcy in Colorado]]>https://www.bruntzlaw.com/?p=2540732025-12-10T15:26:58Z2025-12-10T14:27:17ZYou may reach a point where your debt feels heavier than anything you can manage and you start wondering what kind of reset might help you move forward. Many people in Colorado look at Chapter 7 and Chapter 13 bankruptcy as possible paths when other options feel out of reach.
How do chapter 7 and chapter 13 differ?
You usually see chapter 7 as a quicker option that clears many unsecured debts, although you still need to meet income rules known as the means test. Colorado exemption laws protect certain belongings to a point and the protection level depends on the type of property and its value. You may want to look at these limits early so you understand what you can likely keep.On the other hand, chapter 13 works through a repayment plan that often lasts three to five years. You make regular payments, and the structure may help you catch up on secured debts. Many people choose chapter 13 when they want more time to manage overdue mortgage or vehicle payments or when their income does not meet chapter 7 eligibility rules.
What factors might guide your choice?
You may want to look at your current situation and long term plans. Your decision often becomes clearer once you consider points like:
You face wage garnishment or intense collection activity
You risk losing your home due to overdue mortgage payments
You might also look at the amount of secured debt you carry and how much time you need to catch up. These questions often help you see which chapter may align more naturally with your goals.
How do Colorado exemption laws affect your path?
Because Colorado has opted out of the federal exemption scheme, you use Colorado’s own set of exemption rules instead of federal exemptions. This choice means Colorado law decides what property you can protect, including the equity in your home, vehicle, work tools and household items. These limits change from time to time, so you may want to review the current figures to understand what assets you can likely keep.
Finding a path that supports your financial reset
Your decision may feel more manageable once you understand how each chapter works, how your property fits within Colorado’s exemption rules and what kind of structure you want moving forward. A clearer picture of your needs often gives you the confidence to take the next step toward steadier financial ground.]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[When can parents modify an existing child support order?]]>https://www.bruntzlaw.com/?p=2540712025-11-17T18:17:26Z2025-11-17T18:17:26ZModifications require significant changes
Reviewing child support orders as time goes by can be wise. Doing so ensures they remain fair and reasonable. However, actually changing child support orders is not something to do casually. The parent requesting a support modification typically has to show a substantial change in circumstances. Examples include:
A parent loses a job or is involuntarily moved to a lower-paid position
The recipient spouse or the children face medical challenges that increase the need for support
The balance of parenting time shifts dramatically
Childcare expenses increase or decrease
A child’s healthcare needs change
Those hoping to change their child support orders typically need to review their finances carefully to see if a formal modification may make sense. Requesting a child support modifications can help parents fulfill their financial obligations to their children in many cases.
It is crucial to reiterate that child support modification is not something parents should take lightly. Even when parents agree on a change, courts must approve it in order to enforce new terms. Thus, following the proper legal and procedural steps can be essential in securing a fair outcome.]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[Making informed choices about bankruptcy in Colorado]]>https://www.bruntzlaw.com/?p=2540692025-10-10T15:07:33Z2025-10-10T15:07:33ZUnderstanding your options
When you consider bankruptcy in Colorado, you have two main choices. Each option works differently and fits certain financial situations. Bankruptcy follows federal law, but Colorado law decides what property you can keep. Knowing these rules helps you plan your next steps with confidence.
The two main types of consumer bankruptcy are:
Chapter 7: This clears most unsecured debts, such as credit cards and medical bills. Some debts, such as recent taxes and student loans, usually cannot be discharged. You may have to give up some non-essential assets, but Colorado's exemption laws protect key property. This includes a portion of your home's equity and part of your vehicle's value.
Chapter 13: This allows you to keep your property while repaying part of your debts. You follow a court-approved plan that lasts three to five years. It works best for people with a steady income who have fallen behind but can manage consistent payments.
Your income, total debt and financial goals determine which chapter may fit best. If you're unsure which route to take, speaking with someone who understands bankruptcy law can provide clarity and peace of mind.
The impact on your future
Bankruptcy offers a fresh start, but it can impact your credit for a period of time. A Chapter 7 case stays on your credit report for 10 years. A Chapter 13 case usually remains in effect for seven years.
Even so, many people start rebuilding credit within a few years. Regular payments and careful budgeting help restore financial stability. The relief from debt collection and lawsuits often outweighs the short-term impact on credit. Bankruptcy's automatic stay can also stop collection calls and wage garnishments, giving you time to regroup.
Alternatives to bankruptcy
Before you file, explore other debt relief options. Credit counseling agencies can help lower payments or reduce interest. Debt consolidation can merge several bills into one manageable payment. Some lenders also offer hardship programs for short-term relief. These options often work well if your financial challenges are temporary.
Getting legal guidance
Colorado bankruptcy laws can be complex. Rules about exemptions and eligibility can be confusing without help. Reaching out to a local bankruptcy attorney for guidance may help make the process easier to understand. They can walk you through your choices and help you make a decision that aligns with your goals.
Taking time to learn about your options protects both your finances and peace of mind. With thoughtful guidance, bankruptcy can mark the start of financial recovery—not the end.
If debt feels unmanageable, consider discussing your situation with a Colorado bankruptcy attorney who can guide you toward practical next steps.]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[What are the rules for property division during divorce?]]>https://www.bruntzlaw.com/?p=2540672025-09-10T12:15:43Z2025-09-10T12:15:43ZMarital property is subject to division
Some people struggle to identify their marital resources. They mistakenly believe that the names on financial accounts or vehicle title documents determine who owns them, for example.
Generally speaking, even assets held in the name of one spouse can theoretically be marital property during divorce proceedings. The income earned during marriage and any assets acquired with marital income are usually subject to division during divorce. Some assets may have protection as separate property.
Spouses generally do not need to divide resources designated as separate in marital agreements. They may also be able to protect assets that they owned before marriage, property that they received as gifts and inherited resources.
Property division should be fair
Some people assume that property division proceedings lead to an even or 50/50 split of marital property. However, Colorado uses an equitable distribution standard for property division. The focus is on what is fair given unique marital circumstances.
Judges dividing the marital estate may look at the length of the marriage, the income of each spouse, the unpaid contributions of each spouse, and even custody arrangements when deciding what is fair and appropriate. Litigated property division proceedings also generally require that spouses provide formal disclosure of their resources and financial obligations to one another in the courts.
People preparing for property division negotiations or anticipating litigation likely need to learn about the process to obtain the best possible outcome. Reviewing one’s marital estate with a skilled legal team can help people establish goals for the divorce process and lay the foundation for a stable life after divorce.]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[How long does it take to complete a Chapter 13 bankruptcy?]]>https://www.bruntzlaw.com/?p=2540652025-08-20T11:21:38Z2025-08-20T11:21:38ZRepayment plans require years to complete
The main requirement that separates a Chapter 7 bankruptcy from a Chapter 13 case is the requirement to complete a repayment plan. Instead of liquidating their assets to repay creditors, they commit to monthly payments facilitated by the courts until they qualify for a discharge.
The filer reports the debts that might be eligible for discharge. They then attend a meeting with representatives from their creditors and the court-appointed trustee overseeing their case. They negotiate a repayment plan that generally requires that they commit most of their disposable income toward a monthly payment.
Depending on the details of the situation, the repayment plan could last for anywhere from three to five years. It may take anywhere from slightly more than three years to five and a half years or possibly even longer to complete a Chapter 13 bankruptcy. The duration of the repayment plan and how quickly the filer secures hearings influence the final timeline for the process.
Although Chapter 13 bankruptcy can take a filer years to complete, it can help people preserve their resources while simultaneously eliminating their most pressing financial obligations. Learning the basics about Chapter 13 bankruptcy can help those with valuable property or above-average income evaluate whether this option is appropriate for them.]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[Crafting a comprehensive parenting plan: Balancing needs during divorce]]>https://www.bruntzlaw.com/?p=2539352025-06-12T16:47:29Z2025-06-12T16:47:29ZGoing through a divorce is challenging for both parents and children. A parenting plan ensures that both parents are on the same page when it comes to raising their children after separation. Crafting a balanced plan that addresses everyone’s needs is essential for a smoother transition post-divorce.
Understand the key elements of a parenting plan
A well-drafted parenting plan should cover the basics such as physical custody, visitation schedules, and decision-making authority. When creating the plan, focus on both the children's needs and the practicalities of daily life. It should also specify who handles medical, educational, and extracurricular decisions. Ensure that both parents are involved in major decisions, which helps promote cooperation.
Be realistic about the schedules and needs
Divorced parents often struggle with the complexities of managing schedules. Balancing work, social commitments, and personal needs can be difficult when co-parenting. A successful plan considers each parent’s work schedule and the children's routines. Flexibility is crucial—there may be occasions when changes are needed. While consistency is important for children, allow room for adjustments when needed, such as during school breaks or special family events.
Prioritize effective communication and conflict resolution
Clear communication between co-parents is critical for maintaining a healthy relationship post-divorce. Establishing regular communication channels, such as a co-parenting app or designated times for discussions, ensures both parents stay informed. In cases of disagreement, focusing on the best interests of the child can help reduce tension. Agreeing on a conflict resolution process within the parenting plan is essential for smooth co-parenting.While it may seem overwhelming, crafting a comprehensive parenting plan sets the foundation for positive parenting after divorce. By focusing on the children’s needs, flexibility, and open communication, you can create a plan that helps both parents support their kids in a balanced, healthy way.]]>0On Behalf of The Bruntz Law Firm, LLC<![CDATA[Navigating the division of assets: Handling second homes in divorce settlements]]>https://www.bruntzlaw.com/?p=2539322025-04-29T20:10:52Z2025-04-29T20:10:52ZDividing assets in a divorce presents challenges, especially when it involves a second home. Whether it's a vacation home, rental property, or family cabin, the second home holds both financial and emotional value. This blog will explore how divorce settlements handle second homes and what options you can consider.
How is a second home divided in a divorce?
In Colorado, the division of a second home during a divorce follows the principle of equitable distribution. This means the court will divide property fairly, though not necessarily equally, based on factors like the property’s value and the couple's financial situation. Colorado is not a community property state, so assets acquired during the marriage are subject to equitable distribution, and the court considers each spouse’s contributions to the property, both financial and non-financial.It’s important to determine whether the second home qualifies as separate property or marital property. If you purchased it before the marriage, it could remain separate. However, if you bought it during the marriage, the court may consider it marital property, subject to division.
What options do you have for the second home?
After classifying the second home, you have a few options. One choice is to sell the home and split the proceeds. This option simplifies matters, though it may not feel ideal if the home holds sentimental value.Alternatively, one spouse may buy out the other’s share. Both spouses need to agree on the home’s value, usually through a professional appraisal. The spouse keeping the property assumes responsibility for the mortgage, property taxes, and maintenance costs.
What if you can’t agree on the second home?
If you can’t reach an agreement, mediation or court intervention may become necessary. Mediation provides a neutral space for both parties to negotiate, while a court ruling offers a legally binding decision.A court may order the second home to sell, with the proceeds divided between the spouses. If the home holds significant value or relates to one spouse’s career or lifestyle, the court may consider these factors in its ruling.Dividing a second home can stir emotions, but understanding your options allows you to make a decision that aligns with your needs. Whether you choose to sell, buy out the other spouse, or pursue mediation, grasping the role the property plays in the settlement helps guide your decision.]]>0