Bankruptcy Attorney in Colorado Springs
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.
Call us at 719.359.8179 or toll free at 866.893.2440, or send an e-mail to learn how the Law Office of Stephen H. Swift, P.C. could help you get debt relief.
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.
Why Hire a Bankruptcy Attorney?
There are many advantages to hiring a bankruptcy attorney. Our firm can provide you with these advantages:
We can protect you from creditors — the bankruptcy process provides you with legal protection from creditors. As bankruptcy attorneys, we can stop foreclosure, repossession, garnishment and creditor harassment by filing bankruptcy for you. Debt resolution agencies do not have that power.
We are licensed attorneys and held to high ethical standards — because we are attorneys, we can initiate action in the courts and use the legal system to more fully protect our clients. And unlike debt resolution agencies, we are licensed and held to high ethical standards.
Bankruptcy litigation — as attorneys, we have the ability to use the court system to obtain relief for our clients through bankruptcy litigation. Our firm has successfully sued the IRS and other government agencies to obtain debt relief for our clients, which is something that debt resolution agencies cannot do.
Experience — The Law Office of Stephen H. Swift, P.C. has been helping Coloradans obtain debt relief since 1987, and we will be here years from now.
That's experience you can trust.
Free Consultation with a Lawyer
For a free initial consultation with the Law Office of Stephen H. Swift, P.C., call 719.359.8179 or toll free at 866.893.2440, or contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
