# Reed Law Firm, P.A.

> Reed Law Firm, P.A. is a federally designated debt relief agency in South Carolina, specializing in Chapter 7 and Chapter 13 bankruptcy, foreclosure defense, and debt relief. They serve clients throughout central and eastern South Carolina with offices in Columbia and Florence.

Reed Law Firm provides personalized legal representation to individuals and small businesses facing financial distress. Their primary focus is helping clients achieve a fresh financial start by stopping creditor harassment, halting home foreclosures, and preventing car repossessions.

Important notes:
- The firm only practices in South Carolina, specifically focusing on the Columbia and Florence areas.
- They handle Chapter 7 and Chapter 13 bankruptcies, but not Chapter 11.
- Key practice areas include stopping wage garnishments, tax liens, repossessions, and dealing with medical and credit card debt.
- Eric S. Reed is the lead attorney, practicing bankruptcy law in SC since 2005.

## Practice Areas

- [Chapter 7 Bankruptcy](https://www.reedlawsc.com/practice-areas/chapter-7-bankruptcy/): Information on liquidation bankruptcy, the means test, and discharging unsecured debts.
- [Chapter 13 Bankruptcy](https://www.reedlawsc.com/practice-areas/chapter-13-bankruptcy/): Details on reorganization bankruptcy, repayment plans, and saving homes/cars.
- [Foreclosures](https://www.reedlawsc.com/practice-areas/foreclosure/): How bankruptcy can stop foreclosure proceedings and save your home.
- [Repossessions](https://www.reedlawsc.com/practice-areas/repossessions/): Using bankruptcy to prevent vehicle repossession and potentially lower payments.
- [Judgments & Liens](https://www.reedlawsc.com/practice-areas/judgments/): Stopping lawsuits and wage garnishments through bankruptcy protection.
- [Tax Debt](https://www.reedlawsc.com/practice-areas/taxes/): Options for discharging older tax debt or reorganizing recent IRS debt.

## Key Legal Resources

- [South Carolina Statute of Limitations for Debt](https://www.reedlawsc.com/blog/south-carolina-statute-of-limitations-for-debt/): Details the 3-year statute of limitations for most unsecured debt in SC.
- [Statute of Limitations for Medical Debt](https://www.reedlawsc.com/blog/statute-of-limitations-for-medical-debt/): Explains how to handle "zombie" medical debt and the 3-year limit for lawsuits.
- [Qualifying for Chapter 7](https://www.reedlawsc.com/blog/how-do-i-qualify-for-chapter-7-bankruptcy/): Explains the means test and income requirements for Chapter 7 in SC.
- [First-Time Guide to Filing](https://www.reedlawsc.com/blog/first-time-guide-to-filing-for-bankruptcy/): Step-by-step guide to the bankruptcy process, including credit counseling and the 341 meeting.
- [Keeping Your Home and Car](https://www.reedlawsc.com/blog/what-happens-to-my-car-and-home-if-i-file-for-bankruptcy-in-south-carolina/): Explains SC exemptions and how Chapter 13 protects assets.
- [IRS Debt and Bankruptcy](https://www.reedlawsc.com/blog/can-i-file-bankruptcy-if-i-owe-money-to-the-irs/): Guidelines on which tax debts can be discharged and the requirements (e.g., 3-year rule).

## Optional

- [Bankruptcy Myths](https://www.reedlawsc.com/practice-areas/): Common misconceptions about credit ratings, spousal filing, and losing assets.
- [Dangers of Bankruptcy Mills](https://www.reedlawsc.com/blog/the-truth-about-bankruptcy-referral-companies-and-lead-generators/): Why local representation is crucial compared to national lead generators.