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Experienced.  Committed.  Professional.

Since 1986, we have helped thousands obtain debt relief in Colorado.

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Enjoy a free case evaluation at Colorado bankruptcy Law Office of Stephen H. Swift, P.C.

Free Case Evaluation

See how we can help you get a new financial start by filling out our free online consultation form.

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At Swift Law Firm, we hold your hand every step of the way of the Bankruptcy Process.

The Bankruptcy Process

We will help you make a new financial start by eliminating or reducing debts through a variety of paths suited to your unique situation.

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Colorado bankrupcy lawyer - experience you can trust!

Experience You Can Trust.

We are experienced and have
a proven track record of adhering
to ethical practices.

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Areas of practice at Swift Bankruptcy Law Firm.

Practice Areas.

Chapter 7 or Chapter 13
Bankruptcy can provide debt
relief and a new financial start.

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Why Hire Us as Your Bankruptcy Law Firm?

Kindness and Respect:

Kindness.  How often do you encounter it?  At Swift Law Firm, we do our best to practice the Golden Rule.  Treat others as you would like to be treated.  We understand that sometimes you just need to start over, and every person deserves to be treated with kindness and respect.  Please look at our reviews to see what our clients say about us. 

We hold your hand every step of the way, and make every effort to get you back on you feet again as soon as possible.


Our Size:

We are one of the largest consumer bankruptcy firms in Southern Colorado.  We have two Colorado Springs based bankruptcy attorneys, Stephen H. Swift and Matthew C. Hansen, and seven staff members.  This means that we can give greater attention to your case; answer your questions more quickly; and bring to your case a team approach that outpaces our competition.  Most of our competitors consist of one attorney and 1 or 2 staff members.  This greatly limits the scope of the services they can provide.

We confer daily about cases and situations and discuss how to best approach issues which arise.  We continue to actively study the law and to attend continuing legal education courses to keep abreast of changes.  We strive to be on the cutting edge in our field of practice.




Stephen Swift has been handling consumer bankruptcy cases since May, 1988. He and Mr. Hansen have combined experience of over 30 years in this area of the law.  We offer the experience and know how that you can trust...all with a personalized approach to each client.

We have the reputation of being able to handle the difficult case.  We've been there,  done that.  We have been successful at discharging (having legally forgiven) student loans, IRS obligations, Colorado taxes, and home mortgages.  We have also been successful in helping our clients with larger incomes qualify to file under Chapter 7,  which is faster and less expensive.

Voted a 2014 & 2017 Top Attorney

The Law Office of Stephen H. Swift, P.C. was recently selected again as one of four Top Consumer Bankruptcy Attorneys in Colorado Springs by Colorado Springs STYLE Magazine.  This award was based upon a peer-to-peer online survey conducted in conjunction with members of the El Paso County Bar Association. 

Voted a Colorado Springs Colorado Top Bankruptcy Attorney in 2014


Why Not Hire a Debt Resolution Agency?

You see and hear them everywhere — advertisements promising to reduce or eliminate your debts.

Some of these debt resolution agencies may be legitimate, but most agencies do not have the in-depth knowledge or the legal ability needed to fully protect the interests of their clients. Before you sign on with a debt resolution agency, you should compare what they can do versus what a bankruptcy attorney can do.

Be Wary of Debt Resolution Agencies

If you are not careful, you can dig yourself a much deeper hole than the one you are in now. Before you work with a debt resolution agency or petition preparer, get the facts.

Debt resolution agencies are financial counselors who for the most part are unlicensed and uncertified. They fall into two general categories:

  • Consumer Credit Counselors — in this model, the agency provides counseling in financial management techniques and consolidates a person’s debts into one monthly payment. There is one major problem with this approach — not all creditors may be onboard, and even those that are can take action at anytime to obtain a judgment against you. This leaves you with no legal protection.
  • “Trash-Your-Credit” Agencies — these agencies collect a monthly payment that is put in a trust account. When there is sufficient money in the account, debts are paid off. Not all creditors may agree to the plan, and many creditors will grow impatient waiting for payment. You are unprotected during this time, and many creditors will seek a judgment against you.


Avoid Debt Resolution Agengies! You could likely end up in worse shape.


Why Not Hire a Petition Preparer?

Colorado Springs Bankruptcy Attorney

So you have made the decision to file for bankruptcy. What do you do next?

Unfortunately, some people make the mistake of choosing to work with a bankruptcy petition preparer rather than a bankruptcy attorney. They think they are saving money, but in the long run it almost always costs them more. In some cases, the petitions these services prepare are rejected by the bankruptcy court, sending the petitioner back to square one. Additionally, a bankruptcy attorney will almost always be able to find exemptions that a petition preparer will not be aware of. Therefore, even though a lawyer will cost more at the outset, a bankruptcy lawyer will help you to preserve more of your assets, and ultimately save you money.

It pays to work with an experienced bankruptcy attorney rather than a petition preparer or a debt resolution agency. An attorney can save you money, time and untold frustration. You will have the confidence of knowing that an experienced professional is doing everything possible to maximize your debt relief and allow you to retain as many of your assets as possible.

At the Law Office of Stephen H. Swift, P.C., we have been helping people obtain debt relief for over 20 years. We use this experience to help our clients get a new financial start while protecting their rights at all times. 


 In southern Colorado, it pays to work with an experienced attorney vs. a petition preparer.


What NOT to do before filing bankruptcy

Colorado Springs Bankruptcy Lawyer

The bankruptcy laws are a powerful tool that can provide debt relief and a new financial life for hard-working people. But many people take actions before filing bankruptcy which can harm their interests or even expose them to allegations of bankruptcy fraud. Before you take any actions regarding your debts or assets, you should speak with an experienced bankruptcy lawyer.

At the Law Office of Stephen H. Swift, P.C., we have been helping people obtain debt relief since 1984. In a free consultation, Stephen Swift can review your situation and provide you with advice that can protect your rights and interests.

What You Should Not Do Before Filing For Bankruptcy

Some basic information about what not to do before filing bankruptcy appears below. Every case is different however, so talk with an experienced attorney to protect yourself and get the most debt relief possible from the bankruptcy process.

Do not max out your credit cards — Credit card debt is completely dischargeable under Colorado Chapter 7 bankruptcy, but that does not mean you can max out your cards in anticipation of filing bankruptcy. If it appears that you have done so, you may be held responsible for those debts.

Do not transfer property or sign a quitclaim deed — Some people sell a house or transfer vehicles or personal property to relatives just before filing bankruptcy. This may not protect those assets and could be construed as bankruptcy fraud. Attorney Stephen Swift can advise you regarding what you can and cannot transfer before filing bankruptcy.

Do not rely on a petition preparer or a debt resolution agency — In these troubled times, many organizations are promising debt relief to financially-strapped people. You should not rely on a petition preparer or debt resolution agency for advice. They may not be fully knowledgeable regarding what is and is not permitted under the bankruptcy laws.

Protect Your Rights and Options

Your best option is to speak with an experienced bankruptcy attorney. Stephen Swift understands how to take full advantage of the bankruptcy laws to obtain debt relief for his clients. He can advise you regarding what you should or should not do as you consider bankruptcy.

If bankruptcy is the right course of action for you, the Law Office of Stephen H. Swift, P.C. can file a Chapter 7 or Chapter 13 bankruptcy, and obtain maximum debt relief for you.



What distinguishes your firm from other attorneys practicing in this area?

The attorneys working for the Law Office of Stephen H. Swift, P.C., are some of the most experienced bankruptcy practitioners in Southern Colorado. Our attorneys presently have over 35 years of combined experience.  We have nine dedicated full and part-time employees on our bankruptcy team of experts.  By having such a staff, it is our goal to attend to your needs and to answer your concerns as quickly and concisely as possible.

Mr. Swift has successfully handled thousands of bankruptcy cases.  Some of the cases have involved complex issues such as the discharge of student loans (Loudy vs. U.S. Department of Education), the discharge of federal and state taxes (In re Smith), allegations of fraud (Twin Duchess vs. Vanaman) and the discharge of pension fund benefits (Colorado Ironworkers Trust Fund vs. Popovich).



We Deliver High Quality Service

and have enjoyed tremendous positive feedback from our clients
over the last 25+ years we have been practicing law in Colorado.

  • TOP ATTORNEY 2017-2020
  • Areas of Practice
  • Education
  • Professional Associations
  • Bar Admissions
  • Representative Cases



Voted a Colorado Springs

Top Attorney 2017- 2020

The Law Office of Stephen H. Swift, P.C. was selected as a Top Consumer Bankruptcy Attorney in Colorado Springs by Colorado Springs STYLE Magazine for the last four years in a row, as well as in 2014.  This award was based upon a peer-to-peer online survey conducted in conjunction with members of the El Paso County Bar Association. 

Who was surveyed?  Approximately 1,100 licensed attorneys in El Paso County were invited via email to complete the survey, with electronic reminders sent by the El Paso County Bar Association encouraging participation.



Areas of Practice

Stephen Swift, managing attorney, has practiced bankruptcy law in the Colorado
Springs area for over 25 years.  During that time he and attorney Matthew Hansen
has helped thousands of 
Colorado residents obtain debt relief through Chapter 7
and Chapter 13 bankruptcy filings.  Mr. Swift also conducts bankruptcy litigation
involving the liquidation of 
tax debts and student loans, allegations of bankruptcy
fraud and other matters.  
​About 40% of the practice is devoted to litigation. 

  • 60% - Bankruptcy (High Level of Expertise)
  • 40% - Bankruptcy Litigation






Stephen H. Swift: Education

Mr. Swift received his law degree at Saint Louis University School of Law in St. Louis, Missouri. 
He graduated from Brigham Young University with a B.A. degree in both English and in History. 
​In addition to English, he also speaks both French and Spanish. 

  • Saint Louis University School of Law, St. Louis, Missouri
        - J.D.
  • Brigham Young University, Provo, Utah
    B.A., 1981 Major: English Major: History
  • Brigham Young University, Provo, Utah
    A.A., 1974 Major: French Major: Spanish





Professional Associations & Memberships

  • Colorado Trial Lawyers Association, Member, 1995 - to Present
  • Colorado Bar Association, Member, 1985 – Present
  • El Paso County Bar Association, Member, 1985 – Present 
  • El Paso County Bar Association, Member Bankruptcy Subsection, 1985 – Present 
  • U.S. District Court 
  • Volunteer, Federal Prison, Florence, CO
  • Boy Scouts of America




Bar Admissions

Stephen H. Swift is licensed and admitted to practice law in:

  • Colorado, June 20, 1985 - Present
  • U.S. District Court, District of Colorado, May 11, 1988 - Present
  • U.S. Court of Appeals, 10th Circuit, Sept. 27, 2011 - Present
  • U.S. Bankruptcy Appellate Panel, 10th Circuit



Representative Cases

Mr. Swift has an impressive track record of success throughout his professional career in legal representations. A few of the successes achieved include: 

  • In re Moosman, 437 B.R. 385, affirmed 2013 WL 4460001.
         - This case decided what portion of the cash value in life insurance
            the debtor is entitled to keep when filing bankruptcy. 
  • In re Borgman, 10th Circuit Court of Appeals,  (10th Cir. B.A.P. 2012)
          - This case decided what portion of the child tax credit the debtor is
             entitled to keep when filing bankruptcy.
  • In re Dunckley, 452 B.R. 241 (10th Cir. B.A.P. 2011)


Client Testimonials


    "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



    "Steve explained things well so you know what you're doing.  The staff was very helpful with everything, including the paperwork." 


      – Raymond & Rhonda P.,                         Colorado Springs, CO



    "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  



    "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 the lovely receptionist.  I have to say that she has the absolutely right demeanor and is extremely successful in her position.  She 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 this person in many ways sets the tone for the office as the gate keeper of the office and emotional clients.  She 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



    "Thank you to everyone who worked on my case.  My driving priviledges are now restored and I have a fresh start.  I am very grateful to the Swift Law Firm!   Everyone was very kind and helpful and easy to talk to.

    Ward was very knowledgeable and knows the pros and cons of your case. Definitely a man to listen to concerning your case, and he was very helpful!

    Matt Hansen is a good man, very helpful, gives good advice  AND he is willing to go the extra mile.  Steve Swift is a man of action who knows his profession.  He lifted a heavy burden, and I cannot thank him enough for an excellent job!"  


      - Henry R., Colorado Springs, CO  


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 733 E. Costilla St., Suite A

     Colorado Springs, CO 80903

 Phone: (719) 520-0164

 Fax: (719) 520-0248

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