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Bankruptcy
CO

Bankruptcy Exhibits for Colorado Courts

Colorado bankruptcy cases are handled by the United States Bankruptcy Court for the District of Colorado in Denver. Colorado does not allow federal exemptions, requiring use of state exemptions under CRS Title 38. This guide covers exhibit preparation for bankruptcy cases in Colorado.

CM/ECFPer Court order (typically 7-14 days)FRBP 4003, CRS 38-41-201

Colorado Quick Reference

E-Filing SystemCM/ECF
File Size Limit35 MB
Exchange DeadlinePer Court order (typically 7-14 days)
Primary RuleFRBP 4003, CRS 38-41-201

Common Bankruptcy Exhibits in Colorado

Schedules A/B (property) and supporting documentation
Colorado homestead exemption documentation
Bank statements (6 months minimum)
Pay stubs (6 months) and employment verification
Tax returns (2-4 years)
Vehicle titles and valuations
Real property deeds and appraisals
Credit card and debt statements
Business records (Chapter 11)
Means test calculations
Pre-bankruptcy credit counseling certificate
Retirement account statements (PERA, etc.)

Colorado Bankruptcy Tips

  • 1Colorado does not allow federal bankruptcy exemptions
  • 2Colorado homestead exemption is $250,000 (up to $350,000 for seniors/disabled)
  • 3Denver division handles all Colorado bankruptcy cases
  • 4Colorado exempts PERA and most retirement accounts
  • 5Motor vehicle exemption is $15,000 ($25,000 for elderly)
  • 6CM/ECF requires exhibits as attachments with descriptive names
  • 7Bates stamp all financial documents for 341 meeting

Common Bankruptcy Filing Mistakes in Colorado

Attempting to use federal exemptions (not allowed in Colorado)
Insufficient homestead documentation
Missing bank statements - trustees scrutinize gaps
Not including 6 months of pay stubs for means test
Failing to properly value Colorado real estate
Not redacting Social Security numbers per FRBP 9037

Bankruptcy Exhibits in Colorado: FAQ

Can I use federal bankruptcy exemptions in Colorado?

No, Colorado has opted out of federal exemptions under 11 U.S.C. § 522(b). You must use Colorado state exemptions under CRS Title 38.

What are the CM/ECF requirements for Colorado bankruptcy exhibits?

CM/ECF requires PDF format, 35 MB maximum file size, and exhibits filed as attachments. Use descriptive filenames and ensure SSN redaction per FRBP 9037.

What exhibits are reviewed at a Colorado 341 meeting?

Trustees review: photo ID and Social Security card, bank statements for 6 months, pay stubs, tax returns, property valuations, vehicle titles. Have organized exhibits ready.

What is the Colorado homestead exemption amount?

Colorado homestead exemption is $250,000, or up to $350,000 for elderly or disabled debtors. Document ownership with deed and current property valuation.

How should I organize financial exhibits for Colorado bankruptcy?

Organize by category: Income (pay stubs, tax returns), Assets (bank statements, property docs), Liabilities (debt statements), Exemptions (homestead docs, PERA statements).

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