Bankruptcy

Foreclosure
Lawsuits
Repossession
Utility Shutoffs
Property Sales
Harassing phone calls
IRS
Levy and Seizure
Debt Collectors
Garnishment
STOP
Credit Card Debt
Personal Loans
Medical Bills
Payday Loans
Utility Bills
Pending Lawsuits
Judgments
Liens
Some Taxes
Debt Collectors
ELIMINATE
House & Mortgage
Car
Bank Account
Business
Social Security
Pension
401k/Retirement
Leases
Paychecks
Personal Property
KEEP

How do I file for bankruptcy in South Carolina?  Set up a consultation today.

You may have the ability to stop a foreclosure, repossession, lawsuits, and calls and letters from debt collectors. Get your fresh financial start today. We are a debt relief agency, and we help people file for bankruptcy relief under the Bankruptcy Code.

Chapter 7 
 

No one should have to choose between paying for basic living expenses for you and your family or paying for a credit card bill. 

Chapter 7 bankruptcy can offer a fresh start when you feel overwhelmed by credit cards, loans, medical bills and debt collectors that you cannot afford to pay.

Chapter 7 can discharge the following debts:

-Credit Cards                           -Some Tax Debts

-Medical Bills                           -Payday Loans

-Personal Loans                      -Past-Due Utility and Wireless Bills

 

Filing of a Chapter 7 bankruptcy carries with it an automatic stop of collections by your creditors, including phone calls, letters, lawsuits, auto-drafts and repossessions. That means that once a typical consumer files for a Chapter 7 bankruptcy, the worry and stress of debt could be immediately lessened.

We know how important immediate relief is.  That's why we always charge reasonable, low attorney's fees, along with the filing fees require by the court, to represent qualified Chapter 7 clients.  Your success and peace of mind is our number one priority.

Chapter 13

Everyone in difficult financial circumstances should have the opportunity to save their house, car, or other important property.  Chapter 13 bankruptcy allows you to catch up on past-due payments over time, rather than all at once like the banks and finance companies demand.

If you are facing a foreclosure lawsuit, vehicle repossession, or simply know you need help in ensuring that your payments are current, Chapter 13 could be for you.  In a Chapter 13 you may be able to:

-Stop Foreclosure lawsuits and sales;

-Stop Repossessions and vehicle sales;

-Catch up payments over 3 to 5 years;

-Catch up tax debt and stop tax liens and wage and tax refund garnishments.

 

Filing of a Chapter 13 bankruptcy carries with it an automatic stop of collections by your creditors, including phone calls, letters, lawsuits, auto-drafts and repossessions. That means that once a typical consumer files for a Chapter 13 bankruptcy, the worry and stress of debt could be immediately lessened.

 
Mortgage Modification
 

Not only can you catch up payments on your mortgage and stop foreclosure through bankruptcy, you can seek a loan modification to potentially lower payments to an amount you can afford.

Without an attorney, the modification process can be a confusing, document-intensive process.  Banks can lose documents, fail to respond to your requests, and leave you feel uncertain and concerned about your home's future.  Don't be a victim - take control of the process.  

Reasonable Attorney's Fee
 

We understand that in deciding whether to file for bankruptcy, costs and attorney's fees can often create difficulty and may stop deserving individuals from seeking relief. 

Ultimately,  we believe that the best result for a client is the best result for us.  That's why we strive to be flexible in charging attorney's fees to allow deserving clients to chance to seek relief.

How much does bankruptcy cost in South Carolina? For a Chapter 7 bankruptcy, you will only pay $335.00 for the filing fee, plus a reasonable attorney's fee determined after you meet with us.  For a Chapter 13 bankruptcy, you will only pay $310.00 for the filing fee, plus a reasonable attorney's fee determined after you meet with us.

CONTACT US.

Address

160 Hidden Hill Rd.

Spartanburg, SC 29301

 

Email

visitor@alfordlaw.com

Phone

864-574-0870

 

Information contained on this website is for informational purposes only and does not constitute legal advice. Nothing contained herein should be construed to create an attorney-client relationship between Hart Consumer Law, LLC and any website visitor. Submission of information to Hart Consumer Law, LLC through this website will not create an attorney-client relationship between a website visitor and Hart Consumer Law, LLC.