The leading consumer bankruptcy attorney association (“NACBA”) had an article earlier this year that states that most bankruptcy lawyers are seeing an increase in the number of clients with student loan debts. The survey found that most of the bankruptcy attorneys had found an increase  between 25-50% of clients with student loans over the past few years….

Student loans have been helpful for millions of Americans. Yet they have also been a thorn for many Americans. How can you decide if a student loan is the right decision? First, treat a student loan as if it was a piece of property. Is the education you are pursuing going to allow you the…

Blog written by Columbia, SC bankruptcy lawyer Daniel Stone I have previously written articles about student loans. Student loans are often one of the worst loans you can sign up for. Why do I say this? Unlike most unsecured loans you may sign for in your life, student loan debts will stay with you the…

I am often asked by my bankruptcy clients are there certain debts that are better than others. The answer is yes. Below are the top three worst debts to have in my opinion. The reason these debts make my top three is because bankruptcy discharge powers either have no affect or there are multiple exceptions. 1….

Can creditors garnish your wages in South Carolina? The answer is NO with a few caveats. In most states, creditors can obtain a civil judgment against the debtor and then garnish their wages. In our sister state of Georgia, if you have failed to pay on your credit card, the credit card could obtain a…

Are student loans discharged in bankruptcy?  Let me provide a short history of student loans in bankruptcy before answering the question. Prior to 1976, student loans were dischargeable in bankruptcy. With the passage of the new bankruptcy code in 1978 this is more difficult. From 1979 to 1998, amendments were passed that made it even more…

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