How Can Reed Law Firm Help Me?
When you’re struggling financially, it’s difficult to justify adding legal expenses to your already overwhelming debts and obligations. Every law firm wants to justify its services, but not every law firm is also a certified debt relief agency.
At the Reed Law Firm, P.A., we work within your financial means to help you stop creditor harassment, settle or restructure unmanageable debts, and even obtain complete relief through South Carolina bankruptcy proceedings. Discuss the financial freedom potentially available to your family with our dedicated Columbia debt relief attorneys today by calling (803) 726-4888 or connecting with us online for free.
Stopping Collections, Foreclosures, and Repossessions in Columbia, S.C.
If you’re being harassed by debt collection agencies or have fallen behind on mortgage, rent, and vehicle payments, let us help you save your home and stop unwanted calls and letters. You have the right to demand that debt collectors cease collection efforts and even sue for unlawful and abusive conduct under the Fair Debt Collection Practices Act (FDCPA).
Our debt relief lawyers might immediately help you stop lawsuits, collection calls, foreclosures, and repossessions through settlement negotiations, countersuits, or triggering the automatic bankruptcy stay. Quieting the financial storm is the first step in assessing your unique situation and choosing the right relief strategy in your case.
Pursuing Debt Discharge in South Carolina Bankruptcy Court
In some cases, our attorneys might recommend filing for bankruptcy under Chapters 7, 11, or 13 of the United States Bankruptcy Code. This triggers the automatic bankruptcy stay, which immediately stops all litigation, foreclosure, repossession, and collection efforts. During bankruptcy proceedings, you might obtain complete consumer debt relief from the following:
- Medical bills
- Mortgage deficiencies
- Auto loan deficiencies
- Credit cards
- Personal loans
- Back rent
- Older tax debts
- Utility arrears
You might also take advantage of state or federal exemptions, leaving you the finances needed to start fresh and debt-free. If you file for Chapter 13 wage earner’s bankruptcy, our lawyers might even help you make up mortgage arrears and keep your home. This process gives you the option of making manageable periodic debt payments over a 3- to -5-year period, after which your remaining unsecured debts are discharged.
Negotiating Private Mortgage, Loan, and Debt Modifications
Because not everyone qualifies for bankruptcy and the process does impact your credit score, our debt settlement attorneys might help you negotiate mortgage modifications, credit card settlements, and repayment plans privately. Working with a law firm also increases your chances of obtaining more favorable settlements and relief.
Our experienced FDCPA and mortgage modification lawyers could also challenge the debt’s legality in court. We diligently review every debt and collector’s communication to ensure your rights are being respected. If not, this might result in creditor liability and a stronger negotiation position. Our legal team might also help Columbia veterans and other qualifying individuals take advantage of government debt relief options.
Dedicated Columbia Bankruptcy and Debt Relief Law Firm
Schedule a free debt relief consultation with our experienced debt discharge and restructuring lawyers today by calling (803) 726-4888 or connecting with us online. Let our compassionate Columbia bankruptcy and debt settlement team help you stop creditor harassment, save your home, and even obtain needed discharge and relief.
