Article written by Columbia, SC bankruptcy attorney Daniel Stone     Some of my bankruptcy clients ask me if it is necessary to have an attorney to file for  bankruptcy protection. My answer is that while an attorney is not required, in most cases a Debtor needs an attorney to file the bankruptcy because they…

Probably the most often asked question I have from a prospective client is how much does it cost to file for bankruptcy protection. While I can give a potential client some rough estimates, it is almost impossible to give an accurate quote until I have met the client and examined his or her complete financial…

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…

Below are a list of reasons as to why you should hire a bankruptcy attorney instead of trying to file the case yourself: 1. Exemptions. A bankruptcy attorney can safely gauge what state exemptions you should use and how they apply to your assets. Why is this important?  If you have $40,000 in equity in…

Bankruptcy costs very on a few factors. First, there is the filing fees that are paid to the U.S. Bankruptcy Court. For Chapter 7 bankruptcy cases, the filing fee is $306.00 and for Chapter 13 bankruptcy cases the filing fee is $281.00. Second, the legal fees for Chapter 7 bankruptcy cases in my office range from $1,000-$1,500 for normal,…

How fast can I file my bankruptcy case?  The answer is it depends and many of the variables are up the client. First, we need to meet (free consultation) and determine if bankruptcy is right for you. I will also review with you all the documents you need to obtain prior to filing. In my…

No, you dont have to have an attorney or lawyer to file for bankruptcy protection. That being said, even if you dont hire my law firm, I highly recommend that you retain an experienced bankruptcy lawyer to file your case. Bankruptcy law is complex and constantly changing. In fact, a few years ago many bankruptcy…

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.

10. Finance loans (furniture as collateral). 9. Avoid a judgement. 8. Wipe out a car deficiency. 7. Wipe out a old home deficiency. 6. General unsecured debts. 5. Furniture loans. 4. Collections. 3.IRS  and state taxes. 2. Credit card debt. 1. Medical debt!

Chapter 7 article written by Columbia, SC bankruptcy lawyer Daniel Stone What are some of the best reasons to wait to file Chapter 7 bankruptcy in South Carolina? For many of my clients, time is of the essence and they are literally running to my office to save their home from a foreclosure sale. In their cases, it…

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