You do not have to put up with harassing phone calls or threatening letters from creditors. If you are having debt problems, Reed Law Firm, P.A., can help you get rid of debts you cannot pay and get a fresh financial start.
Under state and federal law, you have the right to obtain relief from many kinds of debt by filing bankruptcy. At the same time, bankruptcy laws protect you from issues such as creditor harassment, garnishments, repossession and foreclosure. To talk to a lawyer about what bankruptcy can do for you, call 803-807-2565 in Columbia or 843-536-0073 in Florence. We serve clients throughout central and eastern South Carolina.
The following pages provide more information about bankruptcy:
- Filing Chapter 7 bankruptcy: Don't let a creditor feed you misinformation about Chapter 7 bankruptcy. It is still the simplest and fastest way to obtain relief from debts such as credit card, payday loans and medical bills while protecting many types of important assets such as your home, your car, your retirement savings and personal assets up to a certain value.
- Filing Chapter 13 bankruptcy: Chapter 13 bankruptcy provides a viable alternative if you do not qualify for Chapter 7 bankruptcy or if you have significant assets you would lose in a Chapter 7 bankruptcy filing such as a vacation home. In Chapter 13, all of your debts are combined into one monthly payment without interest or penalties. You pay only what the bankruptcy judge determines you can pay — which may be a small percentage of what you owe.
- Stopping credit harassment: Filing bankruptcy will put an immediate end to attempts by creditors to collect debts that you owe. It will put an immediate stop to harassing phone calls, lawsuits and auto repossession.
- Stopping home foreclosure: You don't have to live in fear of losing your home. Filing bankruptcy will put an immediate stop to a home foreclosure and give you time to explore options such as mortgage modification.
You do not have to endure the stress of money matters or allow embarrassment to dictate your decision-making. Take action with one phone call to the attorneys at the Reed Law Firm, P.A.
Talk to a Lawyer Today About Bankruptcy as a Solution to Your Debt Problems
For more information or to schedule an appointment with an experienced bankruptcy lawyer, call 803-807-2565 in Columbia or 843-536-0073 in Florence, or complete our contact form.