Can I file for bankruptcy even if I am current with my credit card debts?

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 […]

Can I file for bankruptcy even if I am current with my credit card debts?

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 […]

Free Dave Ramsey Post-Bankruptcy Survival Guide For All New Clients

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 in […]

Financial calculators to help you after your bankruptcy

Article written by Columbia, SC bankruptcy lawyer Daniel Stone Many of my Chapter 7 and Chapter 13 bankruptcy clients ask me if I can direct them to financial planners to help them with life after bankruptcy. Many of you already know that I direct many of my clients to Dave Ramsey. If you have never […]

Credit Card Warning Signs

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, […]

Credit cards after bankruptcy

  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 […]

Beware of the Tax Consequences from Settling Credit Card Debts

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 […]

Negotiate with credit cards or bankruptcy?

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 […]

Mistakes that people make prior to filing for bankruptcy

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: […]

Top 5 reasons why bankruptcy is the best form of debt relief

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 […]