Bankruptcy is a federal legal proceeding in which someone or some entity who is having a difficult time paying his or her bills gets a fresh start. Consumer bankruptcy cases – Chapter 7 and Chapter 13 offer different paths for consumers to obtain this fresh start but both can be highly beneficial to debtors who have…

    The creditors meeting – also referred to as the Trustee hearing or 341 hearing is held at the Strom Thurmond Building in Columbia, SC (5th Floor) for Aiken County residents. For most Chapter 7 bankruptcy filers, this will be the only hearing they will have to attend. For Chapter 13 bankruptcy filers, they…

Chapter 13 article written by Columbia, SC Daniel Stone For most debtors, they have often have a choice in either filing for Chapter 13 bankruptcy or Chapter 7 bankruptcy. Understandably they want to know which option is better suited for them. The answer is that it depends. Most of my Chapter 7 clients either are…

Chapter 7 article written by Columbia, SC bankruptcy attorney Daniel Stone   Many Chapter 13 bankruptcy clients at some point during their plan payments consider changing or “converting” to a Chapter 7 for multiple reasons. Some of these reasons include a loss of income or the debtor has decided to surrender a particular piece of…

Article written by Columbia, SC bankruptcy attorney Daniel Stone     Some of my bankruptcy clients ask me if it is necessary to have an attorney to file for  bankruptcy protection. My answer is that while an attorney is not required, in most cases a Debtor needs an attorney to file the bankruptcy because they…

Article written by Columbia, SC bankruptcy attorney Daniel Stone For a Chapter 13 bankruptcy to be successful, the Chapter 13  plan must be feasible and meet other jurisdictional guidelines. For example, if you have $30,000 in arrears and a car loan of $15,000, you would probably not be able to afford a Chapter 13 plan…

Foreclosure article written by Columbia SC bankruptcy attorney Daniel Stone When my Chapter 13 bankruptcy clients initially consult with me, we first review the acute issue at hand – the sale of their home or foreclosure. The debtors first learn that the sale will be stopped by the bankruptcy filing. But what next? My clients…

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 The first question I am asked by a potential client is which chapter is best for them – Chapter 7 or Chapter 13 bankruptcy. Often, a potential client has done some preliminary research on the internet or they have some friends and family that have filed…

Article written by Florence, SC Bankruptcy attorney Daniel Stone Sometimes I have potential bankruptcy clients ask me, “why do I need an attorney to file for bankruptcy”?  The legal answer is that you don’t, but as I am about to show you, the practical answer is you better have one. The data has been accumulated…

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