Chapter 7 and Chapter 13 for Consumers

Need to stop calls from collectors or catch up on your house payments? Can't afford payments on credit cards, loans or bills?  Received a letter from the IRS about owing taxes?  You can seek relief and get a fresh start through bankruptcy. We are a debt relief agency, and we help people file for bankruptcy relief under the Bankruptcy Code.

Lemon Law, Warranties, Misrepresentation and Fraud, Unfair Trade Practices, Financing, Truth in Lending Violations, Illegal Repossession or Towing

Is the used car you bought days ago already broken down?  Did the dealership lie to you about your car's history or condition?  Is your new car a lemon? Is your financing or payments different than what you were told, or have you been turned down for financing? Is the car you bought a salvage or have wreck history?  Is a dealership, manufacturer or company not honoring your warranty? Was your car repossessed or towed illegally?

Mortgage Servicing, Predatory Lending, Loan Modifications, Misrepresentation & Fraud

Have you been served with a foreclosure lawsuit? Is your mortgage company threatening foreclosure for a payment you cannot afford?  Have you been unsuccessful in being approved for a modification you feel you deserve? Is your mortgage company demanding payments you do not feel you owe?   You need to take action quickly to protect your rights and yourhome.  

Credit Card Debt, Debt Collectors, Credit Reporting, Fair Credit Reporting Act, Fair Debt Collection Practices Act

What can you do if you've been served with a lawsuit for collection of a credit card, loan or contract?  Just because a company says you owe a debt doesn't mean you aren't entitled to a vigorous and complete defense.

Is a debt collector sending you bills for a debt you do not owe?  Are accounts that are not yours or incorrectly information being reported to your credit?  How do you dispute an error on your credit?  Federal law protects you and your credit from false, misleading and unfair practices in debt collection and credit reporting.



160 Hidden Hill Rd.

Spartanburg, SC 29301






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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 Alford & Hart, LLC and any website visitor. Submission of information to Alford & Hart, LLC through this website will not create an attorney-client relationship between a website visitor and Alford & Hart, LLC.