Bankruptcy Attorney Charleston SC

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Free consultation. Low fees. No office visit required

First Name *
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Have you filed Bk before? *
What year did you filed Bk? *
What was the case number? *
Current estimated secured debt? *
Current Estimated unsecured debt? *
Are you facing eviction or foreclosure? * YesNo
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Urgent Assistance Available

If you’re facing foreclosure, judgment or lien, fearful of car repossession, or a garnishment of your hard earned wages.

 

 

Supportive and Responsive

We can help within 72 hours notice.
Bankruptcy Attorney Charleston SC

 

Hassle Free - No Obligation

Contact us today for your FREE CONSULTATION.   We are primarily and highly experienced in helping consumer debtors in filing for Chapter 13 Reorganizations and Chapter 7 under the federal bankruptcy code.  We also focus on handling loan modifications, managing student loans, credit cards, taxes, and medical debt.

Which Type of Bankruptcy is Right for Me?

Chapter 7 Bankruptcy

Chapter 7 is the quickest and usually least expensive way to go for most debtors. It does not involve a payment plan and is usually concluded with a discharge in about four months.

While it does provide for the liquidation of assets, there are limits on what may be reached and sold to pay debts. Most Chapter 7 cases in South Carolina are determined to be a “no asset case.”

If there is no objection filed timely with the Court, then the Court usually issues the Discharge Order within about 15 days thereafter. The noticing center mails a copy of the debtor and all creditors on the case mailing list.

Chapter 13 Bankruptcy

Chapter 13 involves a payment plan whereby a debtor makes monthly payments to the Chapter 13 Trustee for a period of time, which can be from 36 months to 60 months depending upon the situation.

You are usually not required to pay the full amount owed to unsecured creditors in order for that debt to be wiped out. Additionally, Chapter 13 may allow you to pay missed mortgage payments over time with no interest.

It may also modify an installment loan for the purchase of something such as furniture, appliances, or a vehicle. Some debtors owe tax debt, a criminal fine, or a support obligation, which is usually paid through the plan with no interest.

Heather's fields of work

Chapter 13 Reorganization 100%
Chapter 7 Liquidation 100%
Debt Negotiation/Settlements 95%
Student Loan Workouts 90%
Loan Modifications 95%
And Much More 95%

Our office locations

North Charleston

2170 Ashley Phosphate Rd.
Suite 620
North Charleston, SC 29406

US Mail

Mail PO Box 60821
North Charleston, SC 29419

North Charleston

3422 Rivers Ave
North Charleston, SC
*By Appointment Only

Telephone

Phone (843) 256-6116
Or you may Fax us at
(843) 641-0906

Other Locations

Orangeburg, SC
*By Appointment Only
**Other locations on request/need