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11 Jun 2019
A lot has been written about restoring one's financial fitness after bankruptcy, but bankruptcy does just as much damage to a person's psyche. After bankruptcy, anger and shame are natural emotions, but they don't need to last forever. Many people find that a financial catastrophe like this it is just what they needed to get a fresh start. While this doesn't negate the fact that bankruptcy causes long-term damage to their credit report, one that won't go away yet for seven years, it is still better than continuing along the path they were on. Even if your friends and family…
9394 times
26 Jan 2019
Bankruptcy can provide debt relief and a new financial start. But many hard-working people who have gotten in over their heads hesitate to consider this option. They have many misconceptions or needless fears about the bankruptcy process. At the Law Office of Stephen H. Swift, P.C., we have helped thousands of people obtain debt relief, and may be able to help you. Our firm can meet with you by appointment during business hours, and even on an evening or a Saturday upon request. In a free consultation, we can explain the bankruptcy process and help you decide whether a bankruptcy…
473 times
07 Mar 2018
Many of you can immediately save yourself the time involved in reading the rest of this post: if you have unmanageable debt, you need a bankruptcy attorney. There is a wide variety of on the market, such as so-called ‘debt resolution’ agencies and ‘petition preparers’. For the most part, these places will do their best to make you, the customer, feel as if they have everything entirely in hand, and that your filing will be routine. The reality is far from the case. Frequently, the people who work at those agencies are unlicensed, uncertified, and sometimes even untrained! A bankruptcy…
4518 times
05 Oct 2017
No one can see the future, and although no one deliberately makes decisions that lead to needing a Southern Colorado bankruptcy lawyer, it happens more frequently than you might think.  Debt accrues interest, fees, and grows beyond what many would ever imagine, and it becomes simply unmanageable. Excessive spending or the use of credit cards is only one possible reason. A lot of the time, unforeseen circumstances arise, like large medical bills for example. This can leave people in financial devastation that can not be undone given the monthly income they make every year.  These are reasons to consider the…
5492 times
30 Aug 2017
So many people call a bankruptcy lawyer expecting to file for bankruptcy next week, when in reality there is a process that must be followed. For example, you must receive credit and budget counseling from an approved credit counseling service within the 180 days prior to filing a petition. The credit counseling agency will review other options with you to help you avoid bankruptcy, which should be viewed as a last resort. Some of these agencies will provide counseling via telephone or online, but most people find it more helpful to meet in person. If and when you decide to…
9369 times
19 Jun 2017
If you’re like many other Americans, you may think that bankruptcy is just another word for being broke, or not having any money, but in this age of extended credit, how do you define ‘broke’? When do you know when you don’t have any money? This can be a complicated problem, because many people may think to themselves, “well, I have a job and I’m making money, so I’m not broke”. Unfortunately, the sad fact of the matter is that it is possible to be broke, or insolvent, while still earning money from a job. With the practices of today’s…
9491 times
27 Nov 2016
It should come as no surprise to learn that singles are less affluent compared to other family structures. According to recent research by the MetLife Mature Market Institute, singles reported the lowest income levels (averaging $32,000), the lowest asset levels ($110,000) and the lowest rates of homeownership (43 percent). A surprisingly low 17 percent said they were on track to reach their retirement savings goals and 20 percent hadn't even started saving. The biggest worries for singles were affording their living expenses and maintaining their standard of living in retirement. Most of the financial stress originates from relying on one…
9466 times

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 Phone: (719) 520-0164

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