Reed Law Firm, P.A. is a federally designated debt relief agency. We proudly help people file for bankruptcy relief under the U.S. Bankruptcy Code.
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Giving You Hope For a Debt-Free Future

SOUTH CAROLINA
BANKRUPTCY ATTORNEY

For many South Carolina residents who come to the Reed Law Firm, P.A., secured and unsecured loans have become a burden. Unexpected medical problems, a pending divorce or a recent layoff has upended their lives and created a dire financial outlook. When financial issues arise, it may be difficult to keep up with a number of bills, including mortgage payments. If you have fallen behind on your mortgage and are facing the threat of foreclosure, it may be possible to keep your home through a loan modification.

Keeping Your Home Through Mortgage Modification

The attorneys at the Reed Law Firm, P.A., want you to know that you have options beyond giving up your valuable assets. You can take action and stop the endless calls from bill collectors seeking to intimidate you into paying your debts. We can assist you in seeking a loan modification and help you regain control of your mortgage. Lowering your payment through a reduction in interest, principal or monthly amount paid can allow you to catch up.

As you fall further behind on a mortgage payments, the stress builds and you live in fear of foreclosure. For the fresh start you need, call our Columbia-based firm at 803-807-2565 or our Florence law office at 843-536-0073 today.

Your Lender Is Not Your Ally

Many lenders are now reaching out to debtors and letting them know help is available. As a result, people may turn to their mortgage lender for loan modification assistance. However, your mortgage company is not looking out for your best interests. They will guide you into a modification that suits their needs, not yours, if they even allow you to modify your mortgage at all. Lenders often reject modification requests.

Several programs have been enacted by the government to ensure homeowners are provided with a number of options in order to keep their homes. Our firm is fluent in the language of these programs and can help you understand your options. We put you first, work to protect your interests, and obtain a modification or loan workout whenever possible. Our success rate in securing modifications for our clients is over 75 percent.

Because we do modifications professionally, we already have existing relationships with most mortgage companies and their attorneys, so we know who to contact. We also can help you bypass some of the red tape that may hinder you from attempting to secure your own modification.

Secure a Fresh Start Through Bankruptcy

In some situations, a loan modification may not be an option or a modification may be needed as part of a bankruptcy. As skilled bankruptcy lawyers, we can step in.

  • A Chapter 13 bankruptcy filing stops the constantly ringing telephone and helps you keep your assets while only paying a portion of the debt.
  • If you qualify, a Chapter 7 filing can not only wipe out unsecured debt, but also loans that are secured with household items.

Many clients fear that immediately following a bankruptcy filing, a large truck will back up to their house and take every possession they have. Not true. Bankruptcy protects you from harassing creditors and over-the-top collection actions. It is possible to keep your valuable possessions secured by loans while getting a fresh financial start.

Contact Us to Discuss Ways to Save Your Home

For more information or to schedule an appointment with an experienced lawyer regarding loan modifications and how you may be able to avoid bankruptcy, please contact us.

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Reed Law Firm, P.A.
220 Stoneridge Drive,
Suite 301

Columbia, SC 29210

Phone: 803-726-4888
Fax: 803-726-4887
Columbia Law Office Map

Reed Law Firm, P.A.
1807 West Evans Street,
Suite B

Florence, SC 29501

Phone: 843-679-0077
Fax: 843-679-0667
Florence Law Office Map

Reed office

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Reed Law Firm, P.A.
220 Stoneridge Drive,
Suite 301

Columbia, SC 29210

Phone: 803-726-4888
Fax: 803-726-4887
Columbia Law Office Map

Reed Law Firm, P.A.
1807 West Evans Street,
Suite B

Florence, SC 29501

Phone: 843-679-0077
Fax: 843-679-0667
Florence Law Office Map

Reed office

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