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…

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…

Many of my clients come to my office due to a creditors’ efforts to collect on their debt. Let’s take a brief look at some of the ways creditors can collect on their debts in South Carolina. First, lets examine some basic guidelines that apply to collections for South Carolina. The first guideline is that…

Blog written by Columbia, SC bankruptcy attorney Daniel Stone The new consumer agency, the Consumer Financial Protection Bureau “CFPB” had its first big enforcement action in July, 2012. Capital One has agreed to pay over $210 million in sanctions for deceptive an unfair practices used when customer signed up to use credit cards through Capital One. The…

Tax debt article written by Columbia, SC attorney Daniel Stone Before many of my potential clients hire me, they ask me if can they settle credit card debts on their own. Sure you can, but do you fully understand the full legal consequences of settling your credit card debts? Lets examine some of the elements of settling a…

I often am asked by potential clients – should they try negotiating with their credit card lenders or file for bankruptcy?  I would prefer that any potential clients would find resolutions to their debt issues prior to filing bankruptcy. The only problem is that most of the time, the credit card lenders are not willing to…

Bankruptcy is the best form of debt relief for many reasons to include the following Top 5 reasons: 1. Unlike debt consolidation plans, Chapter 7 bankruptcy wipes out/discharges all your unsecured debt. Chapter 13 in most cases wipes all your unsecured debt at only a cost of a few pennies on the dollar. 2. Chapter…

I am often asked by my clients prior to filing if they can leave off their favorite credit card from the bankruptcy schedules. The easy answer is no. The bankruptcy code requires debtors list all their debts. Failure to leave off assets or creditors could have negative ramifications to include loss of the discharge. Dont…

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…

This is one of my most popular questions I have from spouses who come to see me to file for bankruptcy protection. Many of the married couples have signed jointly on all their debts to include their mortgages. In their situation, it is usually my advice that they both file since they are both jointly…

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