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Discharge Credit Cards and Medical Debt

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.

  • Credit card companies, generally, cannot garnish in South Carolina if they get a judgment.
    • There may be an exception if
      • You lived in another state when the creditor gets the judgment and then move here or
      • If you currently work in another state.

Judgments, which last for ten years in South Carolina, may become a lien on real estate and may cause a creditor to attempt foreclosure or seize your “non-exempt” assets

Bankruptcy Lawyer

Medical debt can be completely eliminated (“discharged”) in Chapter 7.

  • In Chapter 13, medical debt must be paid starting at 1%. Increases may apply based on your income and assets.
  • Medical debt creditors, generally, can garnish your paycheck in South Carolina and can seize your tax refund.