Article written by Columbia, SC bankruptcy attorney Daniel Stone I am sometimes asked by my new bankruptcy clients if they are going to jail for unpaid debts. Fortunately in the United States, unless you fail to pay some debts I will discuss in the next paragraph, we do not have debtors prisons in America. Can you…

I am often asked by my bankruptcy clients are there certain debts that are better than others. The answer is yes. Below are the top three worst debts to have in my opinion. The reason these debts make my top three is because bankruptcy discharge powers either have no affect or there are multiple exceptions. 1….

Most of my clients with child support obligations know that bankruptcy will not wipe away their obligation to pay their child support obligation. However, not everyone knows that Chapter 13 bankruptcy allows a debtor to pay back child support arrearages in their plan payment over a five-year-period. This can be very helpful to a debtor who…

I am often asked by my clients if they can be sent to jail for not paying their debts. While some may laugh   at such a question, the question is often asked because a local police officer serves a client a lawsuit or the client receives a letter from the sheriff’s office to contact…

No. Child support arrearages or future child support obligations are not discharged in either a Chapter 7 or Chapter 13 bankruptcy. Chapter 13 bankruptcy does allow for a debtors child support arrearages to be paid through the Chapter 13 plan. Please note the debtor will have to pay this particular debt at 100 percent in…

Can creditors garnish your wages in South Carolina? The answer is NO with a few caveats. In most states, creditors can obtain a civil judgment against the debtor and then garnish their wages. In our sister state of Georgia, if you have failed to pay on your credit card, the credit card could obtain a…

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