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27 Mar 2016
One of the most disturbing trends in money management is overuse of debt consolidation loans. Sure, they may be the perfect solution for people who have gotten into unforeseen financial trouble, but debt consolidation loans are too often used to treat symptoms instead of addressing an underlying problem. One of the greatest myths about these loans is that they save money on interest. The only way interest rates get cut is when someone borrows against home equity, but home equity loans can become a crutch as well. Bankruptcy attorneys have seen many clients come into their office after thinking they…
5838 times
18 Feb 2015
If you've had a few problems paying the bills lately, you are not alone. Tens of millions of Americans have blemishes on their credit reports that are serious enough to prevent them from obtaining credit cards and loans. It's easy to feel helpless during these times, but you can take some positive steps right away to repair the damage. Even if your credit is satisfactory, but you would like to improve it, it is worth reading this article. The better your credit, the less you will pay in interest and typically insurance rates as well. Before you can improve your…
7835 times
21 Apr 2014
As a Colorado bankruptcy attorney, I hear this question more than many others. How can bankruptcy be avoided? But before a client even lands in my office for a consultation, another question might have been asked: How can I pay off all this debt? Well, there is no silver bullet, no easy answer that won't require a disciplined approach, but when one is willing to make the sacrifices there is usually a way to get that debt paid down. According to a recent article by the Motley Fool, "9 Ways to Pay Off Debt," you can throw a lot of…
5294 times
11 Dec 2013
Every small business owner has dealt with his or her share of debt, but with tighter lending rules some borrowers are struggling to stay out of bankruptcy court. It seems like since the "official" end of the recession, everything from health care to raw materials have been getting more expensive, which has placed an undue strain on entrepreneurs. The New Year is a good time to take a long hard look at where your business is financially and what you can do to dig out of debt. Thankfully, the need for bankruptcy protection has decreased significantly since 2010, but a…
5579 times
29 Nov 2013
As we close in on the holiday season, it's easy to get in over your head with credit card spending. According to Yahoo! Finance ("Top 5 Reasons Why People Go Bankrupt"), poor use of credit is the third most likely cause of bankruptcy. When credit comes easy, some people just cannot control their spending. Before they know it, credit card bills, installment loans, car payments and "same as cash" plans become a burden too heavy to carry. If the borrower is unable to make minimum monthly payments on this debt, or secure a debt consolidation loan, bankruptcy becomes the inevitable…
4958 times
30 Oct 2013
As people enter into adult life and take on new responsibilities, finances can be one of the most intimidating and confusing things to deal with. Not only will financial rules vary from state to state, but you will have financial advisors telling you to do vastly different things with your money. For one reason or another, consumers find it hard to make smart financial decisions, yet the importance of these decisions cannot be overemphasized. Learning the ins and outs of household finances and retirement planning is something that should be done early and often, however sometimes these lessons are only…
4477 times
23 Jun 2013
If you are struggling with consumer debt such as credit cards, auto loans and student loans, it is important to be very cynical about quick debt relief strategies. Many consumers will simply "Google" a debt solution and click on the first ad that looks credible, but what they may not realize is how many companies are really out to cash in on their misfortune. But where can a person find the right credit counseling service or debt settlement without risking personal bankruptcy? It turns out that the Federal Trade Commission (FTC) offers a wealth of advice on their web site.…
4717 times

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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! " 
         – Byron Y., Colorado Springs, CO  

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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.  " 
             – Ron & Ann N., Colorado Springs, CO

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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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