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The main reason many debtors choose Chapter 13 bankruptcy is to keep assets while getting relief from at least some debt. Repayment plans are meant to immediately stop creditors from trying to repossess assets or pursue other collection methods, such as wage garnishment and levies.
Filing for Chapter 7 in South Carolina requires you to meet specific qualifications. For example, your most recent income must be lower than the median income. A bankruptcy attorney will help you with this step during your initial consultation.
If you’re already falling behind on bills and debts, getting a notice that your wages are going to be garnished may feel like some of the worst news you could get. Wage garnishments reduce your income, leaving you with even less money in an already tight situation. South Carolina has specific laws and rules for who can garnish your wages and when, and an attorney may be able to help you reduce or eliminate the garnishment altogether.
“I appreciate Howze Law Firm for everything and providing me with the best customer service. I filed for bankruptcy chapter 7 and Paralegal’s Casey Gamble and Rueben Moses were amazing hands down, from beginning to end the process was smooth and so was the communication between us.” – Susan Delgado
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