Our Bankruptcy Process

✅  Stop creditor harrassment now.

✅  Stop paying creditors rather than taking care of your basic needs.

✅  Start a plan to rebuild your credit.

✅  Stop home foreclosure & start a plan to payback past due mortgage payments.

Let’s talk about how bankruptcy can help you. 

Schedule a call-back appointment to speak with an experienced, local bankruptcy attorney.  Live agents are waiting for your call. Call us: 844-322-6932

Or schedule by using the button below and I will call you back at the scheduled time. 

I look forward to speaking with you!

Dear SC residents considering bankruptcy,

When you prepare and file bankruptcy, you and your attorney will prepare a long document (about 55 pages), required by the Court, that discloses all income, assets, expenses and up to ten years’ financial history.

The Court requires you to attend a hearing where you answer questions, under Oath, about this document.  One of those questions is: “Did you prepare your bankruptcy documents with your attorney and did you sign the documents, under Oath, before filing”.

I am committed to working directly with you to prepare your case and make sure that you are ready to answer every question.  My goal is to make your hearing boring because you are so well prepared!

It is important to have an experienced, local attorney to develop your bankruptcy strategy and to make sure your case goes smoothly.  Settle for no less!

Kindest regards, Attorney Malinda M. Pennington

Getting Your Case Ready To File

Thank you for considering us to represent you!

Our bankruptcy process is easy.  You work directly with your bankruptcy attorney in a series of four telephone interviews and one in-office “final review” appointment.

During these interviews, you and the attorney review your specific facts to prepare your case and to ensure that you are ready for your bankruptcy hearing.  Once your case is prepared, you have a final office appointment to review your case and sign the bankruptcy documents as required by law.

Your payment schedule will determine your case preparation schedule.   Your case will be prepared in stages while you are making payments and you may refer your creditors to our office for all communication once you make your first payment.

Your case preparation schedule will include the following four phone  appointments and one office appointment:

  1. Required Documents Review (PHONE)
  2. Statement of Financial Affairs & Income Verification (PHONE)
  3. Property and Expenses (PHONE)
  4. Credit Reports & Added Creditors (PHONE)
  5. Final Review, Document Signing & Hearing Prep (OFFICE)

You will be asked to provide your

  1. last two years’ tax returns (all tax returns must be filed before your bankruptcy case can be filed), and
  2. six pay stubs or other proof of income, for example a Social Security benefits letter or retirement account statement.

Specific information is also necessary to identify your assets to the Court, VIN #s  on vehicles, last four digits of all account numbers, detail of any jewelry of value, and make/model information on recreational vehicles, musical instruments and guns.

Many trustee’s request ninety days of bank account statements from the date that you file your case for all bank accounts, so you need to be ready to provide these statements after your case is filed.

Remember that any transfers of money or other property to family or friends can make bankruptcy a less than ideal remedy, so make sure you disclose this to your attorney early in your preparation process.

Click here to call 844-322-6932 or click here to self-schedule an appointment to speak with a bankruptcy lawyer to determine how bankruptcy protection is right for you.  If you decide to move forward, we have a variety of payment options.

Live agents are available to schedule your free phone consultation with a local, South Carolina lawyer. 

Click Here to Schedule a Free Attorney Consultation