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 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….

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…

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…

Credit card debt article written by Irmo bankruptcy lawyer Daniel Stone Most of my bankruptcy clients have credit card debts. What are some of the warning signs that your credit card debt is getting out of hand? Many of the experts warn that if 15% of your monthly income goes towards paying your monthly expenses,…

Article written by Columbia, SC bankruptcy attorney Daniel Stone For many bankruptcy filers, the idea of living life without a credit card is scary. How do you rent a hotel room or purchase a gift on-line without one?  I can tell you from first hand experience that you can live without a credit card. In fact…

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…

I often see new bankruptcy clients that have tried different ways of dealing with their credit issues prior to filing for bankruptcy. Many times these efforts have led to major mistakes prior to filing for bankruptcy protection. Below is a list of the largest mistakes I have seen from my clients prior to filing bankruptcy:…

Here are some ways to increase your score after you obtain your bankruptcy discharge:   1. Apply for 1-3 secured credit cards. I recommend getting a card that will allow you to put as high a deposit as possible. Why?  The disposable balance the credit card will report to your credit card report will be…

1. Maintain adequate medical insurance. 2. Maintain longterm disability insurance. 3.  Maintain at all times a six to nine month nest egg of cash for emergencies. 4. Do not use credits cards. 5. Buy used, inexpensive cars instead of financing.

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