Credit card article written by Columbia and Florence attorney Daniel Stone   We have all seen the Capital One credit card commercials that ask the question, “What do you have in your pocket”? For my clients, I haven been trying to promote the attitude of “just cash” as the reply to this popular tv commercial….

Yes, creditors will stop calling you after they are notified of your bankruptcy filing. The bankruptcy court mails notices to your creditors that a debtor has filed. Your attorney will notify creditors in Chapter 13  cases of the filing by serving each creditor a Chapter 13 Plan. In addition you or your attorney can call…

  Credit report article written attorney Daniel Stone There is no formal requirement by the Bankruptcy Code that a debtor obtain a credit report prior to filing a bankruptcy. In fact, there are often many debts that are not reported to a credit reporting company such as Experian that a debtor still is obligated to…

Columbia bankruptcy survey by attorney Daniel Stone   I have created a fun survey for my current and prospective bankruptcy clients. Please note that if you decide to help with the Bankruptcy survey, all the information you provide is anonymous. This information may be able to help me assist my current and future bankruptcy clients…

Chapter 13 bankruptcy article written by Columbia, SC and Florence attorney Daniel Stone New Chapter 13 bankruptcy filers in 2014 need to have their 2013 tax returns prepared as soon as they receive their W-2 forms to comply with IRS and bankruptcy regulations and case law. I recommend to my clients so there will be no delay…

Bankruptcy article written by Columbia, SC attorney Daniel Stone Most of my bankruptcy clients are in need of a new house at some point after their bankruptcy discharge. I am often asked when they can qualify for a mortgage post bankruptcy discharge and who they should use as an agent. First, new federal regulations are…

Bankruptcy Court article written by Columbia, SC bankruptcy attorney Daniel Stone In South Carolina, we have three federal  bankruptcy judges – Chief Judge David R. Duncan, the Honorable Judge John E. Waites, and the Honorable Judge Helen Elizabeth Burris. The three judges are spread out over three bankruptcy courts that cover Columbia, Spartanburg, and Charleston,…

Medical bills article written by Columbia, SC and Florence attorney Daniel Stone   Almost everyone at some time or another has incurred a significant medical bill. In fact, Harvard University did a study where they concluded that over 50% of Americans who file for bankruptcy have significant medical debts. Fortunately, bankruptcy can wipe out or “discharge”…

Credit Card Article written by Columbia, SC bankruptcy attorney Daniel Stone Some of my potential bankruptcy clients are current on their credit card debts but they see the storm clouds coming. Many people believe that you have to be behind on your credit card bills or other debts before you can file for bankruptcy. This…

Yes, creditors will stop contacting you for collection purposes after you file for bankruptcy. That being said, there will always be creditors who are either slow to finding out about the bankruptcy filing or they choose to violate the bankruptcy automatic stay. I tell my clients to keep a note pad beside the phone so…

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