Once you have started preparing your bankruptcy, you can use consumer protection laws to stop creditors from calling you, for family and your employer. After we complete your retainer agreement together, I will give you instructions to direct creditors to call my office for the duration of your case preparation. Redirecting calls because of representation… Read More »Stop Creditor Harassment
Garnishments are stopped immediately by both Chapter 7 and Chapter 13. Chapter 7 will not discharge the underlying student loan debt, some tax debt and tax liens causing the garnishment. If the garnishment is from tax debt assessed within the last three years or a tax lien, the garnishment may resume after Chapter 7. Tax… Read More »Stop Wage Garnishment and Handle Tax Debt & Liens
Foreclosure lawsuits are stopped immediately by Chapter 13 or Chapter 7. However, only Chapter 13 provides a way to force the creditor to accept repayment of a past due amount. Repossession efforts are stopped immediately by both Chapter 7 and Chapter 13, however, how the debt is managed depends on the Chapter that you file.… Read More »Stop Foreclosures & Repossessions
Repossessions and evictions can be completely eliminated (“discharged”) in Chapter 7. It is important to surrender possession if you want to eliminate a lease or mortgage debt. In Chapter 13, past repossessions and evictions must be paid starting at 1%. Increases may apply based on your income and assets. Judgments, which last for ten years,… Read More »Discharge Repossessions and Evictions
Discharge Finance Companies & Personal Loans How small loans are handled depends on whether you executed a Security Agreement when you obtained the loan and, if so, what property did you list on the agreement? If it’s just a signature loan (no property listed) the debt can be eliminated in Chapter 7 or paid the… Read More »Discharge Finance Companies Personal Loans
Credit card debt can be completely eliminated (“discharged”) in Chapter 7. In Chapter 13, credit card debt must be paid, starting at 1%. Increases may apply based on your income and assets. Judgments, which last for ten years in South Carolina, may become a lien on real estate and may cause a creditor to attempt… Read More »Discharge Credit Card Debt