C. Todd Morse

I am a managing attorney at Morse Law, LLC, a local bankruptcy law firm that puts clients’ needs first and which takes the time to produce a quality legal product. I graduated Baylor University with a degree in Political Philosophy and received my Jurist Doctorate from Thomas Jefferson School of Law.

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  • Garnishments: How They Work

    Collection activities run in a fairly common or consistent timeline. Once a debtor has ceased paying on their debt, most institutions will collect on their debts themselves. When an institution is no longer able to collect on their debts, they will turn the debts to a secondary collector. Secondary collectors are collectors that collect on behalf of numerous lending...

  • Chapter 7 Taxes Dischargability

    For those persons entering into a Chapter 7 bankruptcy with significant tax debt, they may be able to discharge some taxes. Those tax debts which are the product of taxes that were properly filed more than 3 years ago may be eligible for a Chapter 7 discharge. Taxes that were not properly filed or filed more recently than 3 years ago will not be eligible for a discharge.

  • Confirmation Hearing

    In a Chapter 13 bankruptcy, you have 2 hearings scheduled at the time of filing. The first is your Chapter 13 “341” Hearing. Both the Chapter 7 and Chapter 13 cases go to a “341” Meeting of Creditors. A Chapter 13 however, has one additional hearing that the Chapter 7 bankruptcy does not. A Chapter 13 bankruptcy has what is called a Confirmation Hearing scheduled...

  • What Happens To Garnishments?

    If a civil suit has been filed, you will need to know what to look for in order to best protect your interests as their collection efforts move forward. When you are sued in civil court on a debt (if the process is followed correctly) you should first receive a Summons & a Complaint. The Summons will tell you when and where your hearing will be held (usually about a month after...

  • Chapter 13 Taxes Dischargability Dealing With Taxes

    Income taxes, property taxes, essentially all monies owed to governmental units must be paid in full in a Chapter 13 bankruptcy. Taxes are given a special designation of debt known as priority debts in Chapter 13 bankruptcy law. The advantage for many filers is that they are allowed to place their tax debt over a plan that can take place over 60 months. Not all taxes will be...

  • Consultations – The Basics

    Morse Law begins every bankruptcy case with a free initial consult. While many firms charge for their initial consults, at Morse Law we do not believe that you should charge for legal advice before you are certain that the legal advice can be of some benefit to the person to whom it is being given. At your consult, you will learn several key facts regarding your case.

  • How Does Bankruptcy & Debt Consolidation Differ?

    Bankruptcy is a filing in Federal Court. Debt Consolidation does not take place in any court, rather it is then same negotiation that debtors can perform on their own, but through an intermediary, usually a company or law firm.

    Most Debt Consolidation companies or law firms will have those enrolled in their programs contribute a certain...

  • Creditor Harassment And Resources

    Creditor harassment or collection activities are governed by the Fair Debt Collections and Practices Act better known as the FDCPA. The Fair Debt Collections and Practices Act dictates what times of day and what places creditors are allowed to call debtors in attempts to collect on debt. It further dictates that after request for ceasing such communications are received that...

  • How Long Until Court?

    Many persons filing for the first time are understandably concerned and worried about making an appearance in federal court. For the most part, these concerns and fears are unwarranted. Having filed successfully thousands of bankruptcies Morse Law attorneys will be able to advice you of any complicated issues that could arise in your case. Knowing what to expect will make your...

  • Car Repossession Timeline And Surrendering Timeline

    Vehicle repossession varies widely depending upon the lender doing the repossession. Some lenders choose to repossess almost immediately while others show great leniency when working with clients providing them weeks, perhaps even months, before the vehicle is repossessed. Once a bankruptcy has been filed, there is a minimum period required by 202 noticing which amounts to...

Contact Information

Denver Office:
Morse Law, LLC

  • 910 16th Street Mall Ste 1100
    Denver, CO 80202
  • 303-300-6684
  • 720-941-2755

Colorado Springs Office:
Morse Law, LLC

  • 121 S Tejon St Ste 1107
    Colorado Springs, CO 80903
  • 719-302-3655
  • 720-941-2755

Ft. Collins (Area) Office:
Morse Law, LLC

  • 1635 Foxtrail Dr
    Loveland, CO 80538
  • 970-672-1263
  • 720-941-2755