Many of my potential clients are scared to file for bankruptcy protection because they do not want anyone to know.  In years past, it was not uncommon for the local newspapers to list the names of local people who had filed for bankruptcy protection. This archaic system is no longer done in most states. That…

Article Written by Columbia, SC bankruptcy attorney Daniel A. Stone   I am happy to announce that starting in March, 2013, all new bankruptcy clients will receive a new post-bankruptcy survival guide from Dave Ramsey. If you have never heard of Dave Ramsey, go to his website to learn more. I am a big believer…

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…

Bankruptcy requires a great deal of documents to be submitted to your attorney prior to filing. Here are some of the most important documents you will need to get: 1. Credit Counseling Certificate. You cannot even file the petition without this document! 2. Pay stubs. I need at least the last 12 months. In some…

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…

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