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Best Bankruptcy Attorneys in North Charleston

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Drose Law Firm logo
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Drose Law Firm

4900 O'Hear Avenue, North Charleston, SC 29405
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Drose Law Firm is the private practice of R. Michael Drose, an experienced bankruptcy attorney who has been serving individuals in the North Charleston area since 1981. Drose offers assistance to his clients who are qualified to file either chapter 7 or chapter 13 bankruptcy. Drose is a Juris Doctorate (J.D.) degree holder from the University of South Carolina School of Law and a member of the National Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
––
Ingrid H. Rudolph logo
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Ingrid H. Rudolph

1483 Tobias Gadson Boulevard, Charleston, SC 29407
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Ingrid H. Rudolph is a bankruptcy attorney that serves clients in the North Charleston area. She offers assistance to individuals in filing chapter 7 and chapter 13 bankruptcies and in guiding them through the process of undergoing credit counseling and debtor education classes. Other than bankruptcy law, Rudolph also practices in the areas of family law. She is knowledgeable in resolving cases that involve annulment, divorce, legal separation, and pre-nuptial agreements.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.3 / 5 (45)
Avvo
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Markham Law Firm, LLC logo
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Markham Law Firm, LLC

171 Church Street, Charleston, SC 29401
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Markham Law Firm, LLC, is the private practice of Sean Markham, a bankruptcy attorney serving people in North Charleston and the surrounding areas. His law firm offers legal consultation and representation services to his clients, especially regarding matters that fall under chapters 7, 9, 11, and 13 of the bankruptcy law. Markham Law Firm, LLC, assists both creditors and debtors in finding solutions to their debt-related problems while protecting their rights and interests.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Meredith Law Firm, LLC logo
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Meredith Law Firm, LLC

4000 Faber Place Drive, North Charleston, SC 29405
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement
  • Student Loan Debt

Business Description

Meredith Law Firm, LLC is a bankruptcy law firm based in North Charleston. Established in 1996, this company represents consumers and small businesses in debt relief matters. The firm's attorneys handle liquidation and reorganization bankruptcies, eliminating debts such as bank loans and seeking court-approved payment schemes. They also meet with clients to analyze their debt situations, discuss available options, and determine whether they qualify for bankruptcy filings. Meredith Law Firm, LLC also deals with student loan issues.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (104)
FindLaw
5.0 / 5 (2)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Steadman Law Firm, P.A. logo
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Steadman Law Firm, P.A.

6296 Rivers Avenue, Charleston, SC 29406
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Steadman Law Firm, P.A. is composed of bankruptcy attorneys who offer legal aid throughout North Charleston and surrounding communities. Its legal professionals offer debt relief to businesses and individuals in serious financial crisis. This law firm helps clients file chapter 7 liquidation and chapter 13 reorganization to stop repossessions and foreclosures and create a fresh financial start. Other areas of practice include wills, probate, and real estate law. Founding attorney Richard A. Steadman Jr. has over 38 years of experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (57)
Avvo
4.5 / 5 (6)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
The Law Office of Lauren Clark, L.L.C. logo
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The Law Office of Lauren Clark, L.L.C.

925 Wappoo Road, Charleston, SC 29407
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Law Office of Lauren Clark, L.L.C. is a bankruptcy law firm offering consultation and legal assistance in North Charleston. Lauren Clark, the firm's bankruptcy lawyer, can help clients who are considering filing for either a chapter 7 or a chapter 13 bankruptcy in navigating the whole process. Clark also handles legal issues concerning medical debts, credit card debts, and divorce-related debts. The Law Office of Lauren Clark, L.L.C. also assists in preventing creditor harassments and wage garnishment.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (1)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Toney Law Firm logo
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Toney Law Firm

1 Carriage Lane, Charleston, SC 29407
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  • Debt Settlement

Business Description

Toney Law Firm represents individuals in bankruptcy cases in North Charleston. Among the debt reliefs that the law practice works on include prevention of foreclosure, prevention of vehicle repossession, judgment resolution, and elimination of unsecured debt. Its principal lawyer, Dennis R. Toney, Jr., has been practicing law since 1998 and is a member of the American Association for Justice. The other practice areas that the law firm covers include personal injury and workers' compensation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
4.0 / 5 (12)
Avvo
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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