Get the real low down on Chapter 7 from a qualified South Carolina bankruptcy attorney
If you are hopelessly in debt, a qualified South Carolina bankruptcy attorney of Total Bankruptcy may be able to help you determine what you should do. You might get a fresh start by wiping out most of your debts in a Chapter 7, sometimes called a straight bankruptcy.
When the debtor has nonexempt property that they want to keep, your South Carolina bankruptcy attorney may recommend a Chapter 13 bankruptcy, also known as a reorganization filing. A Chapter 13 bankruptcy is recommended for individuals who have predictable income and whose income is sufficient to pay their reasonable expenses with some amount left over to pay off their debts.
Get the advice you need now at the click of your mouse
Make an appointment to speak with a sponsoring South Carolina bankruptcy attorney who will be glad to help advise you on the best method to consolidate and discharge your debts. A bankruptcy attorney of Total Bankruptcy will give you a free, no obligation assessment.
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Beaufort
1214 King Street Beaufort, SC 29902 Map | Directions Case Evaluation | Coverage |
Charleston
4401 Belle Oaks Drive Ste. 150 Charleston, SC 29405 Map | Directions Case Evaluation | Coverage |
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Charleston
711-A St. Andrews Blvd. Charleston, SC 29407 Map | Directions Case Evaluation | Coverage |
Columbia
500 Taylor Street Suite 201 Columbia, SC 29201 Map | Directions Case Evaluation | Coverage |
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Florence
1807 West Evans Street Florence, SC 29505 Map | Directions Case Evaluation | Coverage |
Rock Hill
131 Caldwell Street Rock Hill, SC 29731 Map | Directions Case Evaluation | Coverage |
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In order to make a more informed consumer, we offer on our website information on the various aspects of both Chapter 7 and Chapter 13 procedures, state exemption information, a debt calculator and various articles on U.S. Bankruptcy Law.
Call (877) 349-1309 or find an office location near you to get the help you need today.
What are the advantages of filing?
The most important advantage is that debtors may obtain a fresh financial start. Consumers who file for Chapter 7 may be forgiven (discharged from) most unsecured debts. A secured debt is one in which the creditor is entitled to collect by seizing and selling certain assets of the debtor if payments are missed, such as a home mortgage or car loan. With those two major exceptions, most consumer debts are unsecured. You may be able to keep (that is, exempt) many of your assets, although state laws vary widely in defining which assets you may keep.
As soon as your petition is filed, an automatic stay might be issued, which prohibits most collection activity. If a creditor continues to try to collect the debt, the creditor may be cited for contempt of court or ordered to pay damages. The stay applies even to the loan that you may have obtained to buy your car. If you continue to make payments, it is unlikely that your creditor will do anything. However, if you miss payments your creditor may petition to have the stay lifted in order either to repossess the car or to renegotiate the loan.
When you retain a sponsoring bankruptcy attorney of Total Bankruptcy, you gain someone with a thorough knowledge of both the federal code and state specific exemption laws, and you can be assured that you will be treated with the respect and dignity you deserve.
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.