Chapter 7 or Chapter 13 bankruptcy?

  The first question I am asked by a potential South Carolina bankruptcy client is which chapter is best for them – Chapter 7 or Chapter 13 bankruptcy. Often, a potential client has done some preliminary research on the internet or they have some friends and family that have filed for bankruptcy before. While this […]

Can I file for bankruptcy even if current on credit card bills

  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 chapter 7 bankruptcy protection even though they are current on their credit card bills. The answer is Yes. Actually it is better to file when you […]

Credit Card Debt And How To Eliminate

According to CNBC, eight out of every ten American’s is in debt of some sort. In fact, the median amount of debt in the average white American household is a little over $41,000. With that being said, it’s no wonder that paying off credit card debt is such a big topic. With the virus of […]

Can I file for bankruptcy even if current on credit cards?

  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 Yes. Actually it is better to file when you are current with your […]

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 […]

Which is better to file – Chapter 7 or Chapter 13?

  The first question I am asked by a potential South Carolina bankruptcy client is which chapter is best for them – Chapter 7 or Chapter 13 bankruptcy. Often, a potential client has done some preliminary research on the internet or they have some friends and family that have filed for bankruptcy before. While this […]

Which is better to file – Chapter 7 or Chapter 13?

  The first question I am asked by a potential South Carolina bankruptcy client is which chapter is best for them – Chapter 7 or Chapter 13 bankruptcy. Often, a potential client has done some preliminary research on the internet or they have some friends and family that have filed for bankruptcy before. While this […]

How do creditors collect in South Carolina?

Many of my clients come to my office due to a creditors’ efforts to collect on their debt. Let’s take a brief look at some of the ways creditors can collect on their debts in South Carolina. First, lets examine some basic guidelines that apply to collections for South Carolina. The first guideline is that […]

New Consumer Agency Slams Capital One

Blog written by Columbia, SC bankruptcy attorney Daniel Stone The new consumer agency, the Consumer Financial Protection Bureau “CFPB” had its first big enforcement action in July, 2012. Capital One has agreed to pay over $210 million in sanctions for deceptive an unfair practices used when customer signed up to use credit cards through Capital One. The […]