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Written by Charleston Bankruptcy Lawyer, Russell A. DeMott Debt buyers claim they have the right to collect for the original creditor. But do they? You couldn’t pay that credit card debt a few years ago, and so you stopped paying it. MasterCard called for a while, but the calls eventually stopped. Now, Shark Collections called…
Written by Charleston Bankruptcy Lawyer, Russell A. DeMott I met these clients after they moved to the Charleston area from up north. Prior to moving to South Carolina for employment opportunities, they spent considerable time trying to sell their home. Working through the HAMP (Home Affordable Modification Program) proved futile, and they simply ran out…
Written by Charleston Bankruptcy Lawyer, Russell A. DeMott The holy grail of the bankruptcy process is the bankruptcy discharge. If you call your doctor and tell her you have a discharge, I don’t care where it’s coming from, it will be a bad thing. Not so in bankruptcy. The discharge is a good thing. And…
Written by Charleston Bankruptcy Lawyer, Russell A. DeMott Student loans are, practically speaking, almost non-dischargeable in bankruptcy. The Bankruptcy Code and the law interpreting it says, in essence, that the debtor must be disabled and that he must prove he is–and will be–unable to repay the student loans. The fact that you paid a fortune…
Written by Charleston Bankruptcy Lawyer, Russell A. DeMott Many South Carolina homeowners need help avoiding foreclosure. Fortunately, there’s a new program called the “South Carolina Homeownership and Employment Lending Program.” That’s a mouthful, so just remember this web address: scmortgagehelp.com. The program works through local agencies, and here in Charleston, that’s Family Services of Charleston,…
Written by Charleston Bankruptcy Lawyer, Russell A. DeMott Bankruptcy is about new beginnings. It’s about fixing problems plaguing your financial life. But what happens next? How can you make sure your life improves and stays that way? Reinvent yourself Success depends largely on attitude. The attitude needed really depends on what caused your bankruptcy. Sometimes…
Written by Charleston Bankruptcy Lawyer, Russell A. DeMott A picture says a thousand words. Our government is supposed to be “of the people, by the people, and for the people.” And by “people” I mean flesh and blood human beings, not “corporate citizens.” As someone recently said, “I’ll believe a corporation is a person when…
Written by Charleston Bankruptcy Lawyer, Russell A. DeMott South Carolina median income numbers effective November 1, 2011 are now out. They are as follows: Household of 1: $37,660 Household of 2: $47,853 Household of 3: $50,824 Household of 4: $62,912 For each household member over four, add $7,500. What’s this mean? You had to ask.…
Written by Charleston Bankruptcy Lawyer, Russell A. DeMott Reaffirmation agreements and the law surrounding can be downright confusing. In fact, the law on this topic is so bizarre that it reminds me of the saying, “truth is stranger than fiction.” Some background Prior to continuing to read this post, you need to do a bit…