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Best Bankruptcy Attorneys in Rock Hill

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Mitchell C. Payne Attorney at Law logo

Mitchell C. Payne Attorney at Law

131 Caldwell Street, Rock Hill, SC 29730
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Mitchell C. Payne, Attorney at Law, provides legal services to clients in the Rock Hill metro. Payne has focused his practice on asset protection, elder law, special needs law, long-term care planning, and bankruptcy. He helps clients take a proactive, multi-generational approach to finance and asset protection by identifying problems early on and advising on the resources available that protect the entire family. His other practice areas include family law. Payne has represented families all over South Carolina for over 25 years.

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O’Steen Law Firm logo

O’Steen Law Firm

2254 Celanese Road, Rock Hill, SC 29732
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Student Loan Debt

O'Steen Law Firm assists clients in Rock Hill with bankruptcy consulting and litigation. Lee O'Steen, the bankruptcy law firm's owner, offers bankruptcy counseling and advice to assist clients in regaining control of their financial future. He analyzes income, assets, and debts to determine whether bankruptcy is a viable option. He handles chapter 7 and chapter 13 bankruptcy filings but also discusses other possible options. O'Steen is a certified public accountant and bankruptcy lawyer. He served as the South Carolina Bankruptcy Law Association's past president.

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Scott & Corley, P.A. logo

Scott & Corley, P.A.

Rock Hill, SC
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  • Chapter 11 Bankruptcy

Serving clients located near Rock Hill, Scott & Corley, P.A. is a law firm that first began in 1976 as the Law Offices of Ronald C. Scott. In 2015, the firm grew into Scott & Corley, P.A., a law firm whose bankruptcy attorneys represent banks, non-bank mortgage servicers, and mortgage lenders. Scott & Corley, P.A. focuses on serving creditors, helping them with reviewing bankruptcy plans, moving for automatic stay relief, and filing proofs of claim. The firm also handles chapter 11 bankruptcy actions and any adversary proceedings.

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The Howze Law Firm logo

The Howze Law Firm

235 East Main Street, Rock Hill, SC 29730
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

The Howze Law Firm serves the legal needs of people all over the Rock Hill metro. It offers assistance with bankruptcy proceedings that involve chapters 7 and 13. It also handles cases related to divorce, creditor harassment, and child custody. Its bankruptcy attorney, Tracy Bomar-Howze, is experienced in various legal fields and a member of several law groups including the South Carolina Women's Lawyers Association. She has taught at local universities and currently serves as a board member of Safe Passage Inc.

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Frequently Asked Questions

Q: Can anyone file bankruptcy?

A: 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.

Q: How bad is it to file bankruptcy twice?

A: 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.

Q: Can they take my car in Chapter 7 bankruptcy?

A: 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.

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