Author Archives: Nathan Davis, Esquire

About Nathan Davis, Esquire

Born in Charleston, South Carolina, Nathan Davis has been practicing law for many years. Mr. Davis has a wide variety of experiences having practiced domestic relations, criminal law, social security law having also practiced collection law in the past. This knowledge is helpful when someone needs to restart their financial life. The practice is now primarily bankruptcy and debtor representation work, but, Mr. Davis continues to also practice real estate law, trusts and estates and a general litigation practice. I believe that the most important part of representation is trying to leave you better off when the case is finished than when you started. Although I will do as my client directs, I will always tell you if I think that you are making a mistake. Bankruptcy is about a "fresh start". If you do not make changes in what you are doing, you will be doing what you are doing now in the future. There is no shame in bankruptcy or other steps that you may take to start your life over. Too often, people worry more about things than about themselves, their family or their future.

CAN I SELL MY HOUSE IF THE LOAN WASN’T REAFFIRMED IN A CHAPTER 7 BANKRUPTCY?

Question: Can I sell my house after the loan wasn’t reaffirmed in a Chapter 7 Bankruptcy? Question : Debtor filed Chapter 7 years ago. In looking to get pre-qualified for a new home loan I find out that my loan … Continue reading

Posted in Chapter 7, Discharge | Tagged , , , , , , , , , | Leave a comment

WHAT HAPPENS IF I DON’T FILE BANKRUPTCY, AM I STUCK WITH THE DEBT?

Question: What Happens If I Don’t File Bankruptcy, Am I Stuck with the Debt? Question Detail: My friend and I purchased a timeshare together. Our friendship apart, but he said he would pay the bill but couldn’t because he lost … Continue reading

Posted in Broke Emotionally & Financially, Filing Bankruptcy Issues, GENERAL INFORMATION, Making the Decision to do Something | Tagged , , , , , | Leave a comment

CAN THE BANK GARNISH MY WAGES FOR THE DEFICIENCY AFTER THEY REPOSSESSED MY CAR AND SOLD IT FOR LESS THAN THE AMOUNT OWED?

The bank repossessed the car and now the bank is saying that they will garnish my wages to get their money. I bought my car with a warranty and after it caught fire the insurance company refused to pay. I … Continue reading

Posted in Debt Collectors | Tagged , , , , , , | Leave a comment

MORTGAGE PAYMENTS AFTER A CHAPTER 7 DISCHARGE

You filed bankruptcy and the lender is still wanting you to make payments. ┬áIf you filed a Chapter 7 bankruptcy, you are no longer liable if you fail to make payments on your mortgage payment. This does not mean that … Continue reading

Posted in Chapter 7, Debt Collectors, Discharge | Tagged , , , , | Leave a comment

HOW CAN A CHAPTER 13 DEBTOR SELL PROPERTY?

A Chapter 13 debtor may not sell or dispose of property that he or she owns when a Chapter 13 Bankruptcy case is filed unless approval is first obtained from the Bankruptcy Court. Remember that property includes real property such … Continue reading

Posted in Chapter 13 Bankruptcy, Filing Bankruptcy Issues | Tagged , , , | Leave a comment

DOES HIRING A LAWBREAKER TO HELP YOU OBTAIN A LOAN MODIFICATION MAKE SENSE?

The Consumer Financial Protection Bureau (CFPB) has filed an action against a law firm regarding it participation in a loan modification program. The allegations are numerous including making promises about the ability of the consumer to obtain relief and provide … Continue reading

Posted in Broke Emotionally & Financially, GENERAL INFORMATION | Tagged , , , , , , , | Leave a comment