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01 Jun 2018
Stephen H. Swift
Job numbers may be creeping back up, but so are gas prices. The fact that folks are getting back to work doesn't necessarily mean that a personal financial crisis has been averted. In other words, trying to catch up sometimes is more of a challenge than going backwards. Whether you and your family are considering filing for a Colorado bankruptcy, or whether you are already rebuilding your path to financial security, advice from consumer advocacy groups and finance experts on how to protect your hard-earned income is information everyone can appreciate. CBS News, U.S. World & News Report and the…
4731 times
14 Sep 2015
Experiencing a damaging credit event like a foreclosure, short sale or bankruptcy doesn’t mean you will never be eligible for a mortgage again.  As you prepare to buy your next home, take a look at this useful chart to see typical waiting periods before you can be approved for a mortgage.  If you experienced extenuating circumstances*, your wait time may be shorter than you think.  *Extenuating circumstances are temporary events that are beyond a borrower’s control, such as the loss of a job, medical bills or death of a wage earner. Divorce and the the inability to sell the house…
5038 times
16 May 2014
Filing for Chapter 7 bankruptcy can be stressful enough, but then your Colorado bankruptcy lawyer informs you that you must attend something called a "Meeting of Creditors" before your debts can be discharged? That might be enough to make you wonder what you got yourself into. Good news! There is no reason to fear this hearing when you have an experienced bankruptcy attorney by your side. What is a Meeting of Creditors? When you file for Chapter 7 bankruptcy, the meeting of creditors is a short court proceeding where the bankruptcy trustee and your creditors can ask you questions about…
5704 times
20 Jan 2014
This may be one of the most common questions I hear as a Colorado bankruptcy attorney, "Can I keep my house if I file Chapter 7?" But the answer isn't always so simple. In Colorado, keeping your home after Chapter 7 bankruptcy will depend on your answers to three questions. Do you really want to keep it? Do you have any equity in the home? And are you current on the payments? Deciding whether you want to keep your house may be difficult, but if you owe more than it is worth it might not be an asset worth saving.…
4849 times
22 Oct 2012
Stephen H. Swift
We've heard a lot in the course of our country's economic recession about how families have been affected: lost homes, lowered wages, unemployment, etc. Colorado Springs Chapter 7 bankruptcy lawyers understand that any one of these things can cause a great deal of financial strain, but it's even tougher when you're trying to cope alone. In fact, single people face more financial stresses than couples, according to a new report from the MetLife Mature Market Institute and the Society of Actuaries. In particular, women have an especially tough time when it comes to retirement savings. A big part of it…
4140 times
26 Sep 2012
Colorado Springs Chapter 7 bankruptcy lawyers know that anyone who has ever struggled with debt wants to ensure their children don't endure the same. While some debts are inevitable, establishing good spending and saving habits early on can save them a great deal of heartache later on. This is critical especially considering that a recent survey indicated that 12th graders were failing on basic, personal-finance literacy tests. (And only half of adults were able to get the right answers on basic questions about inflation and interest rates.) A number of federal and state initiatives in the last year have focused…
3841 times
21 Sep 2012
A Colorado Springs bankruptcy is generally the result of circumstances beyond one's control: divorce, lay-off, medical crisis, etc. However, our Colorado Springs Chapter 7 bankruptcy attorneys recognize that almost everyone can benefit from delving into their financial habits and breaking a few bad ones. This is especially important for people after they have had a bankruptcy discharge, as this will be key to re-establishing credit. Some of the biggest bad money habits include: Not having a budget. You will find it impossible to pay your bills in full, on time - not to mention put some away in savings -…
4012 times

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    "Everyone I talked with or met with was knowledgeable, professional and helpful. I rate this law firm a 10 on every count. This was my second bankruptcy, and I used your office the first time. Everything was very professional and everyone was very helpful and pleasant to interact with.

    Matthew Hansen was nice, knowledgeable and professional. Alicia was very pleasant, friendly. Cris was very nice and helpful."

    -Karin, Colorado Springs, CO



     

    • Colorado Springs
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    "From the first time that I entered the office, I was treated with the utmost respect. It was like I had been knowing all of the employees for years!! Every person that I came in contact with was extremely courteous!!!

    I rate my overall experience a 12!! And I wouldn't change a thing on the website.

    Cris is absolutely wonderul!! While Alicia was extremely courteous and humorous!!!

    Stephen (Swift) was extremely professional and courteous. One of the nicest gentlemen that I have Had the pleasure of working with. I can't thank him enough."

        

    – Pete, Colorado Springs, CO  

    • Alamosa
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    "I was referred by a client. I rate Swift Law a 10 on the quality of legal expertise I received, on my phone calls being returned promptly, on the staff being friendly and helpful, and my overall experience. Cris was very helpful and informative, and Alicia was very thorough.

    Matthew Hansen was wonderful." - JoAnn, Colorado Springs, CO



     

    • Colorado Springs
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    "Everyone was professional, friendly and caring of the situation I was in.

    Cris is the best. Very friendly, caring and informative to my questions. Made me feel at ease.

    Alicia was friendly. Only talked with her one time on phone when Ward was not available.

    Ward was very friendly and made me feel very comfortable. Very good at his job.

    Mr. Swift was very efficient, professional and friendly. Right off he makes you feel like he is on your side in a difficult situation. Gets the job done.

    Thank you to ALL - for your professionalism, caring and integrity during the process of my bankruptcy. "

     - Anonymous, Colorado Springs, CO




     

    • Colorado Springs
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    "I rate this plance a 10. Very friendly & professional.

    Just want to thank all the staff for making this process so easy & fast for me. You guys are the "BEST".

    Both Cris and Alicia were very friendly & helpful. And Stephen was very professional & knowledgeable."

    -Jocelyn, Colorado Springs, CO



     

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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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