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 […]
Spanish speaking law firm
The Stone Law Firm, LLC is pleased to announce that it will begin offering Spanish speaking (espanol) paralegal(s) starting in 2020 for both bankruptcy (abogado de bancarrota), immigration. and injury cases to assist attorney Stone. South Carolina has seen an explosion of Spanish speaking (espanol) residents in the last ten years […]
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 […]
Abogado de bancarrota en español
Stone Law Firm ahora ofrece servicios en español para bancarrota, esto incluye juicio de hipoteca ( foreclosure), evitar perder tu auto o camion (repossession), deudas personales, deudas medicas, llamadas de cobros, deudas de taxes o impuestos y podemos ayudarte modificando o reduciendo la mensualidad de tu hipoteca. Tambien ofrecemos servicios legales en español para clientes […]
Chapter 13 bankruptcy in SC
One of the toughest decisions a debtor is forced to make is rather to file a Chapter 13 or Chapter 7 bankruptcy. While there are many benefits to a Chapter 7 bankruptcy, this blog explores the benefits to filing a Chapter 13 bankruptcy in South Carolina districts. 1. You do not loose your assets. In […]
Credit card debt reduction tips
Most of us have some sort of credit card debt. Here are some good ideas on how to keep your credit card balances low: 1. Dining out. Credit card debt experts warn that dining charges are one of the largest charges credit card users charge on a monthly basis. Simply cutting dining out or being […]
Reasons people file bankruptcy
I have been helping consumers file either Chapter 7 or Chapter 13 bankruptcy since 2000 all over South Carolina. During this almost 20 year span, I often see the same issues or mistakes that lead to bankruptcy. Here are the top mistakes I see in no particular order: 1. No rainy day fund. People who […]
Chapter 13 Plan Changes in South Carolina
This year (2019) has been an exciting year in Chapter 13 bankruptcy cases for South Carolina. Cases in the Columbia area are using a new plan form that allows for the whole mortgage payment and the arrears to be paid through the Chapter 13 Plan payment. In prior years, the Chapter 13 Plan payment only […]
Chapter 13 Plan Changes in South Carolina
This year (2019) has been an exciting year in Chapter 13 bankruptcy cases for South Carolina. Cases in the Columbia area are using a new plan form that allows for the whole mortgage payment and the arrears to be paid through the Chapter 13 Plan payment. In prior years, the Chapter 13 Plan payment only […]
Foreclosure help with Bankruptcy
Unfortunately, many South Carolinians are experiencing either foreclosure or periods where they are falling behind on their mortgage payments. For many of these homeowners, finding solutions to their mortgage issues is paramount. Some possible solutions vary between loan modifications, refinancing, borrowing money from family members to catch up, and short-term forbearance agreements. For some people, […]