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Knowledgeable South Carolina Lawyers Provide Debt Relief Through Bankruptcy

Compassionate and dedicated legal representation for Columbia and Rock Hill area clients

When you have debt that you are unable to repay, it can be overwhelming and cause emotional distress, in addition to affecting almost every other area of your life. If this is what you are dealing with, it may be time to consider filing bankruptcy, which despite how you may be feeling now can be a big step in the right direction. The caring attorneys at Payne & Black, LLC, with offices in Rock Hill and Columbia, South Carolina, can discuss the possibility of filing Chapter 7, Chapter 11 or Chapter 13, as well as other debt relief options that exist for individuals and businesses.

Discharging debt through a Chapter 7 filing

Most individuals who are considering bankruptcy file Chapter 7 because of its ability to discharge most debts. To qualify for this form of bankruptcy, you must not be able to afford a Chapter 13 repayment plan and must not have filed bankruptcy in the last six to eight years, depending on the type of bankruptcy you filed. Our experienced attorneys can help you file a petition for bankruptcy and complete all necessary forms regarding your debt situation, current income and expenses, exempt property, and recent expenditures and guide you through the creditors meeting and other procedures. Chapter 7 bankruptcy will halt all collection efforts, including wage garnishment, foreclosure and bank levies. There are some debts that cannot be discharged through this bankruptcy filing, such as:

  • Child support
  • Tax debt
  • Student loans
  • Debts incurred by fraud

We provide the knowledge and insight to skillfully walk you through the bankruptcy process.

Creating a reorganization plan that you can live with through a Chapter 11 filing

Filing Chapter 11 bankruptcy allows you to continue operating your business with oversight from the bankruptcy court. Our attorneys can work with you to devise a feasible reorganization plan that restructures your financial obligations, which may involve reducing your expenses and liquidating some assets.

Contact a knowledgeable bankruptcy law firm to discuss your legal options

If you are considering Chapter 7, Chapter 11 or Chapter 13 bankruptcy, Payne & Black, LLC, with offices in Rock Hill and Columbia, South Carolina, can explain your options. Other debt relief options and services are also available. Schedule a confidential consultation by calling us at 803-992-8163 or contact us online.


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Our Offices
  • Rock Hill Office
    131 Caldwell Street
    P.O. Box 10352
    Rock Hill, South Carolina 29730
    Phone: 803-329-8656
    Fax: 803-325-2973
  • Columbia Office
    1531 Blanding Street
    Columbia, South Carolina 29201
    Phone: 803-799-0554