No one can see the future, and although no one deliberately makes decisions that lead to needing a Southern Colorado bankruptcy lawyer, it happens more frequently than you might think. Debt accrues interest, fees, and grows beyond what many would ever imagine, and it becomes simply unmanageable. Excessive spending or the use of credit cards is only one possible reason. A lot of the time, unforeseen circumstances arise, like large medical bills for example. This can leave people in financial devastation that can not be undone given the monthly income they make every year. These are reasons to consider the relief that filing for bankruptcy can offer.
Some people make the mistake of swearing off credit cards in the wake of a Colorado bankruptcy.
This is not only unnecessary, Colorado bankruptcy attorneys know it's probably going to hurt you in the long-run because you need to rebuild your credit in order to earn consideration of future loans on a vehicle, mortgage and other items.
The key is to be wise about and protecting your score and your money. A Colorado bankruptcy allows you a fresh start, and a skilled attorney can help guide you through the process. It's you, however, who will have to call the shots and make wise decisions because the truth of the matter is, even with the Credit CARD Act (Credit Card Accountability, Responsibility and Disclosure Act), there are still a number of ways that credit card companies and banks can take advantage of you.
A few things to consider as you start on the path of rebuilding your finances:
1. Don't put more on the card than what you can pay off in a short period of time. This will not only help you to slowly boost your score, it's going to give you more leverage with the company if you're unhappy about a rate increase or an annual fee.
2. Keep an eye on your credit score and your credit history. Make sure things are up-to-date and you aren't a victim of any sort of fraud. Even a small, typographical error can bring down your score dramatically. It's a good idea to review it about three times a year.
3. Know what kind of protections your card offers - and what it doesn't. Sometimes, cards will offer extended warranties if your purchase is stolen or accidentally damaged. Of course, the card companies aren't going to highlight this to you, so you'll have to look through the disclosure statements to see.
4. Go over your credit card statement for errors. Billing errors are common, and fraud can happen to anyone.
5. Protect yourself from online identity fraud by making sure you are entering sensitive information into the company's secure database and don't give away your card number - or any other personal information - without being confident in the site.
"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