Shot of an attractive young hispanic woman enjoying a day of shopping A Colorado Springs bankruptcy is generally the result of circumstances beyond one’s control: divorce, lay-off, medical crisis, etc. However, our Colorado Springs Chapter 7 bankruptcy attorneys recognize that almost everyone can benefit from delving into their financial habits and breaking a few bad...Read More

Now that the holidays are mostly over, it’s time for many to consider where they stand, financially. The holidays have historically been a time when many people buy gifts for friends, loved ones, or co-workers not just because they’re caught up in the spirit of giving, but also because they feel pressured to buy gifts...Read More

n this second-half of a two-part series on dealing with personal debt, Colorado Springs debt-relief lawyers examine the federal guidelines for what constitutes debt collection “harassment” and offer tips for Colorado consumers dealing with seemingly unrelenting creditor calls. According to the, a debt collector may not “harass, oppress, or abuse any person in connection with...Read More

In some circles, bankruptcy is viewed as a taboo subject. People immediately assume that those who file for personal bankruptcy are simply irresponsible with money or they are trying to escape from paying their bills. In reality, however, this is rarely the case. Bankruptcy attorneys and other financial experts are quick to point out how...Read More

You may just now be settling down with the idea that your child is actually in college. He or she is probably getting in the swing of classes, exams and group projects. But one area of study that college students as a whole routinely flunk is credit card savvy. Too often, our Colorado Springs Chapter 7...Read More

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....Read More

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...Read More

Let’s face it; no one envisions a future that includes a bankruptcy filing.  But that shouldn’t dissuade you from considering it when it is necessary.  As a Colorado bankruptcy lawyer, there is one question I hear almost every day, “Is there any way I can avoid filing for bankruptcy?”  And while this question is answered...Read More

Credit Check Financial Banking Economy Concept For those who have already undergone a Chapter 7 bankruptcy or are considering it, chances are keeping a close eye on your credit is high on your priority list. Colorado Springs bankruptcy lawyers will tell you that your credit is indeed important, as it impacts everything from your ability...Read More

Young woman lying on sofa with laptop and entering the number of her credit card to pay online Our Southern Colorado Chapter 7 bankruptcy attorneys know that credit card companies have long targeted the college student demographic because of their overall impulsiveness and lack of experience. But their tactics are becoming increasingly savvy. Today, nearly 900 universities...Read More

Nothing is timelier than an article about college costs that coincides with freshman “move-in” week. Just as Colorado Springs’ parents are settling up with the college billing office and heading back home, most are wondering how this will affect their financial future. Rising interest rates on college loans will have a ripple effect on the...Read More

Whether you’re struggling to make mortgage payments or seriously behind, foreclosure is a scary proposition. Not only would this be devastating to your lifestyle, but you may be concerned about its impact on your credit. But isn’t every major financial problem going to damage your credit? When it comes to your FICO score, is it...Read More

It may seem a bit opportunistic, perhaps even heartless, but there are plenty of companies that look for people who are struggling with debt and try to exploit them for profit. While this is not true of all credit counseling companies, it is very important to do your research before signing up for one of...Read More

Young family calculating taxes and monthly loan payments for house. Concept of financial difficulties, poverty, bankruptcy, taxes and rent payment Imagine a credit card that charged a 36 percent APR, slapped you with a fee when your credit limit increased and cost you $400 a year just to own — yet, the company tells you...Read More

Top view image of a woman holding and showing credit cards The U.S. Federal Reserve has reported that consumer credit overall has bounced back in August, following a sharp decline a month earlier. Southern Colorado bankruptcy attorneys know this means more people are feeling comfortable with taking on more credit card debt. This can be...Read More

USA Today is reporting that consumers increased their debt in November by more than $20 billion, the largest monthly increase in a decade. What this shows our Colorado Springs bankruptcy lawyers is not that the economy is in a better position than it has been in years, but more likely that consumers used their credit...Read More