Foreclosure is the legal process where a lender can repossess your home. Once they repossess your home they can then sell it to try to recover some of the debt owed. Once you default on your mortgage payments, your lender has the right to begin the foreclosure process. However, even though the foreclosure process has…

Article written by Columbia, SC bankruptcy attorney Daniel Stone Unfortunately, at some point during a debtor’s Chapter 13 case, there is a chance that your case may be dismissed at some point prior to discharge. As I am often asked by my Chapter 13 bankruptcy clients, what are the chances of the case being reinstated?…

         Article written by Columbia, SC bankruptcy attorney Daniel Stone I often have Chapter 13 clients that are forced to pay a significant percentage to their unsecured creditors or a full 100% plan. Of course these clients want to know is there any other forms of relief available. While they want to pay their creditors back,  paying…

Article written by Columbia, SC bankruptcy attorney Daniel Stone For most home owners in a Chapter 13 bankruptcy, the only option a Debtor has to protect their home, is to pay the arrearage in the Chapter Chapter 13 plan. While this is a great safety net for many people, Debtors who have mobile home mortgages without the…

Tax debt article written by Columbia, SC attorney Daniel Stone Chapter 13 bankruptcy can help debtors with both IRS and South Carolina Department of Revenue taxes. Most people assume bankruptcy cannot eliminate taxes. While it is true that bankruptcy cannot discharge many debts, there are some taxes that Chapter 13 bankruptcy can lower to the same…

Repossession article written by Columbia, SC  attorney Daniel Stone For many people, filing a Chapter 13 bankruptcy to recover a repossessed car is their only option. I know the feeling. You walk outside to your driveway and you see your car is gone. Did someone steal it? Did I park it somewhere else?  Then it…

Can a Debtor re-file his or her Chapter 13 bankruptcy within one year of a prior case being dismissed?  Before I answer the question, it is important to review and see if you have exhausted all your remedies to have your first case reinstated. Unless your case was dismissed with prejudice, Debtors can often file a Motion…

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