If you owe money, and most Americans do, you’re probably being harassed by calls from creditors. They call at odd hours of the day, hoping to trick you into answering the phone, and make it so that whenever your phone rings, you have a moment of dread when you see a number you don’t recognize.
That’s really only the start of the problems, too. Creditors can repossess your property, garnish your wages, and more.
There’s more to consider than just physical harassment, though. The stress of constantly living in fear of creditors can have emotional damages, too: anxiety, depression, and plenty of others. It can get in the way of you working to your full potential, and even take the joy out of life.
That’s where bankruptcy comes in.
When bankruptcy is filed, an automatic stay is issued to creditors, which means that they can no longer attempt to collect from you. Practically overnight, the harassing phone calls will stop, and there’s a good chance that when the bankruptcy is over, they won’t start again.
Filing for bankruptcy offers you protection from creditors through the duration of the process. That means no calls, no repossessions, no garnishments, or anything.
Any good bankruptcy attorney will make sure that even when the process ends and the stay expires, the creditors will leave you alone. That’s because it’s their job to create a plan that works for you, so that you can pay back any debts that survive the bankruptcy process.
If you file properly and don’t overspend again in the future, bankruptcy means never getting another collections call.
"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