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  • "Upon my first visit to the office, I was in an unfamiliar part of town.  I was also bewildered and experiencing anxiety.  I was not even sure I should be there or how to proceed in a very new situation where my back was against a wall.  The first person I met in the office was Ms. Patti.  I have to say that Patti has the absolutely right demeanor and is extremely successful in her position.  Patti has a slight but comforting smile and persona.  She is confident but not arrogant in processing the needs of clients.  I do not feel that this is a small achievement in any way.  I feel Patti in many ways sets the tone for the office as the gate keeper of the office and emotional clients.  Patti definitely helped me thru this process with her silent and dedicated service to me, the clients and the office." 
             – John C., Colorado Springs, CO

  • "Upon entering Steve's office, one immediately knows they have entered his "zone".  Steve will talk, think, contemplate, then act.  He then spins his chair around, garbs paper, types on the computer and zaps something thru the printer.  Occasionally, a document needs to be scanned or something else from outside the office is needed, and Zap someone appears without having to yell down a hall or call out.  There is definitely a team here that is in sync.  There may be a question out of the blue suddenly or a brief conversation about something else.  The whole time, Steve is on point.  I felt from day one, a trustworthy confidence in placing my future in his hands.  I was not wrong.  I also never once felt rushed, brushed off or that my concerns were not his.  I felt that Steve is in this for me and his clients.  I have a debt, gratitude and confidence in Steve and the Swift team that far exceeds the fees pain. " 
             – John C., Colorado Springs, CO

  • "Steve has built good relationships with others in the community.  It was extremely helpful and productive to work with anyone he recommended from having the home value assessed to other services.

    I have only met with and dealt with a few others in the office on occassion.  Each and every person was caring and respectful.

    Overall, my experience with Steve, Patti and the rest of the team has been excellent  There were situations and challenges after filing that I thought I would never get thru.  The Swift team was there to listen, help and provide any service or time I asked for.  The calm and professional demeanor of the office is greatly appreciated.  The joy of ending my bankruptcy is also met with a good feeling of knowing there are caring individuals in Colorado Springs that actually work to help people and to make a lasting difference in the lives of so many. " 
             – John C., Colorado Springs, CO

  • "Valerie went way above & beyond to be helpful and make sure everything was clear.  She's a real spitfire!  Steve & Patti were very professional. Thank you for completing my bankruptcy!  I know it wasn't an easy one." 
             – Ken H., Woodland Park, CO

  • “Patti was so sweet and helpful. And that Valerie...as soon as she heard about my garnishment, she got things moving quickly.  She's quite a go-getter!  My attorney, Mr. Stratman made this process seem very simple, and he was very helpful. ” 
                   – Karie & Glen,  Colorado Springs, CO 

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21 Nov 2013

Dealing with the “Side Effects” of Bankruptcy

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 tell you it's going to be okay, the experience can still be bruising to your ego. "The creditors make you feel like you failed, you are a loser and you are worthless," says Robin Hardy, a person whose company, the Moosey Group Inc., filed for bankruptcy.

According to many bankruptcy "survivors," a common reaction is a feeling of failure. The shame of having to declare bankruptcy can be crippling at first, particularly for successful entrepreneurs and business leaders. Feelings of failure go beyond one's personal bank balance and extend to include family relationships, business alliances and one's professional reputation. Needless to say, this impact is felt beyond the individual. This is why it is so important to take any necessary steps to avoid bankruptcy entirely.

Secrets of surviving personal bankruptcy:

Here are some "survival tips" to help you stay out of trouble before you contemplate bankruptcy:
Don't bite off more than you can chew. Every time you make a purchase with a credit card, put away the amount of that purchase in a separate account and pay the bill in full every month. This may be a difficult habit to form but it will keep you from accumulating more debt.

Downsize your lifestyle. Get a roommate or find a less expensive place to live. Avoid the dining out trap and learn to cook delicious meals at home. Bring your lunch instead of going out every day. Cut back on "extras," like premium cable channels, satellite radio, regular massages.

If you do have to declare bankruptcy, don't wallow in guilt. A lot of people find that they get a second chance at life through bankruptcy. Take this time to reinvent yourself and take this opportunity to get a fresh start with your financial future. From a business perspective, bankruptcy forces you to explore who you really are and embrace the opportunity to reinvent yourself.

Why do women file for bankruptcy?

Other than women who have overspent on credit cards, there is another set of circumstances that affects women more than men. It is the dishonesty of a significant other or spouse.

In many cases, a woman's husband may have convinced her to put her home in her name only, but then when the relationship fell apart she was stuck with the burden of paying the mortgage. In other cases, a woman may have added a fiancé or significant other to her credit card, then after breaking the engagement she was forced to file for bankruptcy because of the bills he racked up.

Other than dishonesty, some common causes include a bad economy, medical bills and job loss. Many women have found they needed to file for personal bankruptcy after a divorce if their job wasn't sufficient enough to sustain their current debt load.

No matter how you landed in bankruptcy court, it isn't a death sentence. Many people find that after bankruptcy they are happier, more grounded in their personal lives and careers, and better able to navigate their financial future.

Who is filing for bankruptcy?

According to one of our recent blogs, "What Are The Patterns of Bankruptcy Filers" the most common reasons for bankruptcy are often related to circumstances beyond the control of the filer. For example, a study from 2005 revealed that 46 percent of bankruptcies were related to medical expenses from a serious illness not covered by insurance and the resulting loss of income. Shortly after this study was completed, drastic changes in the economy caused bankruptcy from unemployment, underemployment and credit card debt.

At the time of petition, the average age of the filer seems to be rising. Since the early 90's more senior citizens are declaring bankruptcy while fewer filers are under the age of 25. In fact, since 2007 those under 25 made up less than 2% of all filers. During that same period of time, the percentage of older petitioners more than doubled, now accounting for nearly 20% of all filers.

Stephen H. Swift

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

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