Family Law

• Child Support
  Rather than set up a payment plan to slowly repay debts, Chapter 7 bankruptcy cancels qualifying debts like credit cards, medical bills, older income taxes and personal loans within a few months. Not all debts are eligible to be cancelled like recent income taxes, child support and student loans. Chapter 7 may force the sale of certain property or assets depending on what they are worth. You don’t automatically lose everything. If you have lived in South Carolina for the last two and a half years you get to keep specified property. Call David to find out what you own that is safe and what may not be safe.

Finance Law

• Bankruptcy
  Personal loans are almost always discharged in a Chapter 7 bankruptcy, with few exceptions. Chapter 7 can be executed quickly for fast relief. If you qualify for Chapter 7 (based on income and assets), then filing bankruptcy can help you discharge your debts in a matter of months to help you get a fresh start. One exception to cancelling or discharging personal loans is when the personal loan has property or collateral security the loan. Even if you gave collateral when you got the personal loan, you may be able to cancel the debt depending on what type of collateral you listed.
• Foreclosure
  If you are facing a foreclosure in South Carolina and want to try to keep your property, you must act immediately. Please don’t wait.