Every bankruptcy client I ever had meets me with three top concerns: (1) I want to protect my family, (2) I don't want to be embarrassed by bankruptcy, and (3) will I ever be able to come back from this?
You want to stop the phone calls, the knocks on the door, and the letters in the mailbox. 律师James C. 约翰逊 tells all his bankruptcy clients that sometimes, you can't control your circumstances: your medical bills may have gotten out of hand, you may have accidentally over spent and have credit card debt, 你可能丢了工作. 现在, you are stuck paying a company a debt that further line its pockets, while you try to find that extra dollar just to have necessities for your family. 这并不容易，也许会容易 令人尴尬的. 然而，这并不是结束.
First, you should 不 feel any shame over filing for bankruptcy. Is is simply a legal process that people can use to get a fresh start. This is why our firm calls it "financial reorganization." You are reorganizing your finances because you find yourself in a situation that affects every part of you life: do you chose to purchase the next meal for your family or to pay a longstanding creditor; can you buy those new shoes to fit your children or do you have to put that money to an old lien; do you save for retirement or pay down the credit card bill. These are difficult decisions that may be alleviated through bankruptcy.
The purpose of the 破产 Code is ultimately to give you an out. Your goal is likely to get rid of (or "discharge") all debts you no longer wish to be responsible for. 这就是破产法存在的原因. Oppressive indebtedness benefits neither you nor society. 破产 helps free you from some of your obligations and responsibilities.
Each client must be evaluated on their personal circumstances and personal vision of their financial future. We give consideration to each client's wants and needs. Sometimes bankruptcy is 不 right for a client; if this is the case, 我们会立即通知客户. 最终, the decision is yours, and we are here to guide you through the evaluation process.
If you find yourself in a financial hole you can不 dig out of, bankruptcy works to alleviate your debt and help you get back to square one. 最终, there are four things the court (and law) cares about: what you own, 你欠什么/欠谁的, 你做了什么, 你要付多少钱.
After our first confidential meeting together, we will know these things. Then we determine what you want to accomplish with bankruptcy. Typically, the most pressing issue is whether you are behind on payments to someone. We determine what items you are able to keep, we determine which items you want to keep, and we help work through the process of either paying debt, 消除债务, 或者将物品归还给债权人. You must answer the questions of (1) whether an item is something you wish to keep and (2) whether that item is worth keeping. We assist you in this decision making.
It is important to 不e that bankruptcy is form-driven, and honesty is necessary. Once we have knowledge of your situation, 资产, 和债务, we can help get the process started and get you one step closer to a new life.
The first question we hear normally is: "will I have any money left over after bankruptcy?" The law refers to these as "exemptions.詹姆斯·C律师. 约翰逊 refers to these as "tokens" you get to keep. 截至2020年7月, these include (amounts up to) cash ($6,325, dependent upon home exemption); household goods ($5,050); one vehicle ($6,325); jewelry ($1,275); tools of the trade ($1,900); home ($63,250). In addition, the law defines a "wild card" token as any other property that is 不 listed ($6,325). These amounts and items change yearly, and it is crucial to understand the laws behind your tokens.
If you complete the bankruptcy process, most of your debts are discharged, 意思是你不欠他们的. There are a few exceptions to this general rule however. This is why it is important to properly fill out all forms and be honest about all 资产 you own.
EXPERIENCED SOUTH CAROLINA 破产 ATTORNEY
We do 不 represent lenders: we concentrate only on fellow South Carolina citizens who are struggling with paying bills, regardless of whether there in Greenwood, 哥伦比亚, 桃金娘海滩, 或任何北部州, 中部地区, or 低地国家的 area.
We are with you through every step, holding your hand if necessary. There is a light at the end of this tunnel, and it is 不 一列火车. We will honestly evaluate your circumstances and help choose the proper path for your financial future. Reach out to experienced bankruptcy attorney James C. 约翰逊 to confidentially find out what your next steps should be.