Tag Archives: Bankruptcy

REAFFIRMING DEBTS IN A CHAPTER 7 BANKRUPTCY

Question: What is the quickest and easiest way to get documentation that the mortgage is reaffirmed? My mortgage was in a Chapter 7 and discharged 3 years ago. I never stopped making payments while in the BK. I am looking … Continue reading

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WILL MORTGAGE FORGIVENESS HURT MORE THAN IT HELPS?

A settlement has been reached between several of the mortgage companies and the United States Government regarding bad lending practices. As a part of the settlement, the balance owed on certain loans is being forgiven. How can it be bad … Continue reading

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ANNUITY AND RETIREMENT EXEMPTIONS UNDER SOUTH CAROLINA AND BANKRUPTCY LAW

There are numerous annuity and pension exemptions under South Carolina law that can also be used to protect your pension or annuity if you file a bankruptcy case.  What this means is that you are allowed to keep the money … Continue reading

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FRATERNAL BENEFITS EXEMPTIONS UNDER SOUTH CAROLINA LAW

South Carolina law exempts Fraternal Benefit Association Benefits from claims from creditors who may claim that you have to use them to pay the creditor money that is owed to them.   Just because you have a benefit that is … Continue reading

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ARE CRIME VICTIM AWARDS PROTECTED FROM CREDITOR OR DEBT COLLECTOR CLAIMS IN SOUTH CAROLINA?

South Carolina is sometimes considered to be a backward state when it comes to protecting you from creditor claims. One area that South Carolina has been a leader is the protection of Crime Victim Awards. This makes sense as a … Continue reading

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IS PUBLIC AID AND ASSISTANCE EXEMPT?

I sometimes have someone call me worried and upset who is receiving public aid or assistance in South Carolina.  This is usually caused by a creditor who is telling someone that they will take or stop this public aid or … Continue reading

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