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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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05 Jan 2014

Keeping Your Property Through Bankruptcy Featured

Misconceptions about bankruptcy abound in America, which is a great shame because it prevents many people from getting the debt-relief help that they so desperately need.

One of the many misconceptions about bankruptcy is that your property will be seized to help pay off your debts, and that you won’t be able to keep your house, your car, or other important properties.


This misconception is actually the opposite of the truth! In reality, without the protections offered by bankruptcy law, creditors can put liens against your property, repossess your car, or any number of other debt-payment options.

Bankruptcy isn’t about helping the creditors, it’s about helping you, the consumer. Bankruptcy law offers the average person protection from predatory lending schemes and out-of-control debt, and as such, it allows you opportunities that you wouldn’t normally have.

For example, under current Colorado law, you’re allowed to keep a vehicle with up to five thousand dollars’ worth of equity, which is most cars. For example, if your car is currently worth ten thousand dollars, and you owe more than five thousand dollars for it, then you can keep it. Further, a leased vehicle can be kept regardless of the cost.

Likewise, you can keep up to sixty thousand dollars in home equity.

Those figures may not sound like much money, but when you consider that most people actually owe more than their car or home are worth, it begins to sound much more reasonable!

Don’t let your fear of losing things keep you from consulting with a bankruptcy attorney, because they could save the things you care about most!

Stephen H. Swift

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

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     Colorado Springs, CO 80903

 Phone: (719) 520-0164

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