Low fees and cost  bankruptcy article by Columbia attorney Daniel Stone Starting this September, I will be offering my services for Chapter 13 cases at inexpensive upfont fees and costs for qualified cases. To qualify for reduced upfront legal fees, proof of twelve months of continuous full time employment plus consent to having your Chapter 13…

Foreclosure article written by Columbia, SC bankruptcy lawyer Daniel Stone For South Carolina homeowners, we have an additional non profit company that can help us with foreclosure problems. SC HELP is an organization that has Federal funds to help homeowners stop foreclosure. According to The State newspaper, SC Help has millions to help homeowners stop…

 Credit card debt article written by Columbia, SC and Florence, SC attorney Daniel Stone   A significant number of my potential bankruptcy clients are current on their credit card payments.  I am often asked by my potential clients if they can file for bankruptcy protection even though they are current on their payments. The answer is…

Chapter 13 article written by Columbia and Florence lawyer Daniel Stone     1. You can protect non-exempt assets. Huh?  what does this mean?  In the Chapter 7 context, if you own as asset such as a boat that is worth more than your state’s exemption protection, the Chapter 7 Trustee could come after it…

Credit Score article written by Columbia, SC attorney Daniel Stone One of the most common questions I get from potential clients is how bankruptcy will affect their credit score. For many of my clients the answer is easy because after months or even years of non-payment, their credit cannot get any lower. In these cases…

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…

Lexington Medical Center blog written by Columbia bankruptcy attorney Daniel Stone It has become common knowledge among local bankruptcy practitioners in Columbia, SC that Lexington Medical Center is causing patients to file for bankruptcy. While few would dispute a hospital getting paid, Lexington Medical Center has become one of the most aggressive hospitals in South…

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