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03 Feb 2018

Bankruptcy Can End Creditor Harassment

If you owe money, and most Americans do, you’re probably being harassed by calls from creditors. They call at odd hours of the day, hoping to trick you into answering the phone, and make it so that whenever your phone rings, you have a moment of dread when you see a number you don’t recognize.

That’s really only the start of the problems, too. Creditors can repossess your property, garnish your wages, and more.

There’s more to consider than just physical harassment, though. The stress of constantly living in fear of creditors can have emotional damages, too: anxiety, depression, and plenty of others. It can get in the way of you working to your full potential, and even take the joy out of life.


That’s where bankruptcy comes in.

When bankruptcy is filed, an automatic stay is issued to creditors, which means that they can no longer attempt to collect from you. Practically overnight, the harassing phone calls will stop, and there’s a good chance that when the bankruptcy is over, they won’t start again.

Filing for bankruptcy offers you protection from creditors through the duration of the process. That means no calls, no repossessions, no garnishments, or anything.

Any good bankruptcy attorney will make sure that even when the process ends and the stay expires, the creditors will leave you alone. That’s because it’s their job to create a plan that works for you, so that you can pay back any debts that survive the bankruptcy process.

If you file properly and don’t overspend again in the future, bankruptcy means never getting another collections call.

Stephen H. Swift

Managing Attorney
Law Office of Stephen H. Swift, P.C.

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    "My attorney (Matthew Hansen) is a very kind person.  I felt very confident in his skills. He is very knowledgeable and efficient.  He didn't make me feel embarrassed to be filing for bankruptcy.  Thank you Matthew!  Laura was very friendly, and everyone I interacted with was very nice and helpful as well.  " 
      –  Sherry M., Colorado Springs, CO



     

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    "Keep the front desk person (Cris)!  First impressions are #1.  That person can make or break your business.  Cris is AMAZING!  Very helpful and kind.  She never made me feel like a terrible person for filing bankruptcy.  Ward was also very helpful and very kind.  Mr. Swift was great.  He was kind and understanding - got the job done!" - Jacqueline S., Colorado Springs, CO



     

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    "Cris was professional, helpful and so kind. We rate the quality of the legal expertise we received a 10 out of 10!" 
     – Danny & Christina J., Colorado Springs, CO

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    "Mr. Swift is a man of great integrity.  I felt like I was in secure hands from start to finish.  I believe he is trustworthy and honest.  He's an ethical man in every way! " 
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  • "We found Swift Law Firm while doing a search online.  We are so glad we did!  The entire staff was very friendly and professional, and they didn't make you feel stupid for having to file.  " 
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    "Everyone there showed patience and caring to my situation.  Cris in particular did a good job communicating with me and showing outstanding service.  Very professional, friendly and extremely helpful!" –  Belma C., Colorado Springs, CO



     

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