The top-rated bankruptcy lawyer in Spartanburg, South Carolina is Anderson & Moore, LLC, rated 4.6 stars across 277 reviews. Other highly rated options include Hub City Law, LLC, Henderson, Brandt & Vieth, P.A., McChesney & Ours, P.C.. This directory lists 20 bankruptcy lawyers serving Spartanburg.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Anderson & Moore, LLC | 240 Magnolia St | (864) 641-6431 |
| 2 | Hub City Law, LLC | 736 E Main St #201 | (864) 727-0117 |
| 3 | Henderson, Brandt & Vieth, P.A. | 360 E Henry St #101 | (864) 582-2962 |
| 4 | McChesney & Ours, P.C. | 930 S Pine St | (864) 582-7882 |
| 5 | Farmer & Morris Law | 251 S Pine St | (864) 362-0602 |
| 6 | Whitner S Bishop Pa | 101 Lafayette St # A | (864) 699-9772 |
| 7 | Holliday Ingram LLC | 349 E Main St #200 | (864) 535-5500 |
| 8 | Cate & Brough Law Firm | 421 Marion Ave | (864) 585-4226 |
| 9 | King Law | 407 S Pine St | (864) 345-8529 |
| 10 | Chad Pye Attorney At Law | 172 E Main St 2nd Floor | (864) 583-5658 |
Anderson & Moore, LLC serves clients throughout Spartanburg County and the surrounding areas in South Carolina. The firm focuses on bankruptcy law, providing legal guidance for individuals and families facing financial difficulty. It assists with navigating complex federal bankruptcy proceedings and protecting assets from creditors. Debtors receive representation for Chapter 7 and Chapter 13 bankruptcies. Anderson & Moore also handles foreclosure prevention strategies and debt discharge filings.
Serving Spartanburg and the surrounding communities of the South Carolina Upstate, Hub City Law, LLC handles personal and business bankruptcy cases. The firm assists clients with filing for Chapter 7 and Chapter 13 relief to address overwhelming debt. It guides individuals through the legal process of stopping wage garnishments and preventing foreclosure. For a typical job, it first reviews a client’s financial situation, then prepares the necessary paperwork to petition the local bankruptcy court.
Henderson, Brandt & Vieth, P.A. serves homeowners, businesses, and individuals navigating financial difficulties in Spartanburg, South Carolina. The firm provides legal representation for clients seeking relief through bankruptcy proceedings, including Chapter 7 and Chapter 13 filings. Attorneys work to help debtors understand available legal options for managing overwhelming debt. The practice also assists local property managers dealing with landlord-tenant financial disputes. Its client base extends to neighboring communities such as Greenville and the broader Upstate metro area.
McChesney & Ours, P.C., provides a range of services in bankruptcy law, including Chapter 7 and Chapter 13 filings and debt relief assistance. The firm guides clients through the initial paperwork and court representation, offering clear explanations of the bankruptcy process from start to finish. It also helps individuals and business owners evaluate their financial options to determine the most suitable legal path. The lawyer typically handles cases involving single-family homes, apartments, retail spaces, and restaurants throughout the Spartanburg area.
Farmer & Morris Law distinguishes between one-time bankruptcy filings and ongoing debt management needs in Spartanburg, SC. Clients may choose either a single Chapter 7 discharge or a structured Chapter 13 repayment plan to address financial hardship. The firm covers all local bankruptcy procedures and creditor negotiations to halt collection actions. Service runs on either a one-time basis for straightforward filings or a scheduled monthly payment plan for court-approved reorganizations.
Whitner S Bishop Pa in Spartanburg, SC provides bankruptcy law services, guiding individuals and businesses through Chapter 7 and Chapter 13 filings. The firm assists clients with debt relief strategies, including navigating automatic stays and discharge procedures. Its general work involves consultations to assess financial situations and explain legal options. As holiday spending and winter utility bills rise, the company helps locals address mounting collection calls and wage garnishment concerns.
At Holliday Ingram LLC in Spartanburg, South Carolina, the practice focuses on providing legal guidance for individuals and businesses facing financial challenges. The firm specializes in bankruptcy law, assisting clients with debt relief options such as Chapter 7 and Chapter 13 filings. Services help evaluate eligibility, navigate court procedures, and protect assets from creditors. Commercial sectors served include offices, warehouses, and food service operations.
After a challenging financial season, residents of Spartanburg may struggle with mounting debt and creditor calls. Cate & Brough Law Firm provides legal guidance for individuals and businesses seeking debt relief through bankruptcy. The firm helps clients navigate Chapter 7 or Chapter 13 filings, protecting assets and stopping foreclosure. An initial consultation at their local office reviews each client’s financial situation to determine the appropriate legal path forward.
King Law provides residential bankruptcy guidance for individuals in Spartanburg, South Carolina, seeking relief from overwhelming debt, and also represents commercial clients facing financial challenges. The firm serves clients throughout the Spartanburg area and the surrounding upstate region, helping them assess their options under federal bankruptcy statutes. After an initial case is resolved, King Law remains available to assist with follow-up matters or provide additional service between regular visits.
Chad Pye Attorney At Law serves individuals in Spartanburg, South Carolina, with residential bankruptcy assistance. The firm also handles commercial bankruptcy matters for businesses throughout the local area. This practice guides clients through Chapter 7 or Chapter 13 filing procedures, addressing debt relief options. Attorneys provide counsel on asset protection and legal rights during financial restructuring. Clients may return for further consultation or representation as ongoing financial situations require updates between regular legal visits.
What Does a a Bankruptcy Lawyer in Spartanburg Cost?
Typical costs for a bankruptcy lawyer in Spartanburg, South Carolina, include attorney fees and court filing fees. For a Chapter 7 case, attorney fees generally fall between $1,200 and $2,500, while Chapter 13 attorney fees range from $3,000 to $5,000. Court filing fees are set by federal law at $338 for Chapter 7 and $313 for Chapter 13, though you can request to pay these in installments over up to four months. Many bankruptcy lawyers in Spartanburg offer payment plans for their fees, allowing you to pay in monthly installments before filing, but the full attorney fee must typically be paid before the case is submitted to the court.
For those with limited income, South Carolina Legal Services provides pro bono bankruptcy assistance to eligible residents of Spartanburg County, though income limits apply and demand is high. Some lawyers also offer flat-fee structures that include all court costs and administrative expenses, while others charge separately for filing fees and credit counseling courses. It is important to get a written fee agreement before hiring any attorney. This information is general and does not constitute legal advice; you should consult a licensed bankruptcy lawyer in Spartanburg for guidance specific to your situation.
About bankruptcy lawyers in Spartanburg
Bankruptcy law in Spartanburg, South Carolina, offers individuals and businesses a legal pathway to address overwhelming debt through federal court proceedings. The most common forms are Chapter 7, which involves liquidation of non-exempt assets to discharge most unsecured debts, and Chapter 13, which allows debtors with regular income to reorganize debts into a manageable repayment plan over three to five years. Chapter 11, while primarily used by businesses, is also available for individuals with debt exceeding Chapter 13 limits, though it is more complex and costly. Choosing the right chapter depends on your financial situation: Chapter 7 is typically suited for those with limited income and few assets, while Chapter 13 works for homeowners facing foreclosure or individuals with non-dischargeable debts like recent tax obligations. A bankruptcy lawyer in Spartanburg can evaluate your income, assets, and debt structure to recommend the appropriate chapter.
South Carolina law allows debtors to choose between state and federal bankruptcy exemptions, but in practice, most residents opt for the state-specific exemptions because they offer more generous protections. Under South Carolina law, the homestead exemption protects up to $60,975 of equity in your primary residence, which is significantly higher than the federal homestead exemption of $27,900. The state also provides a vehicle exemption of $5,425, a wildcard exemption of $5,425 for any property not otherwise exempt, and a household goods exemption of $4,850 per item. These exemptions are codified in South Carolina Code Sections 15-41-30 and 15-41-35, and they allow many Spartanburg residents to keep essential assets like their home, car, and personal belongings during a Chapter 7 case. A local bankruptcy lawyer can help you navigate these exemptions to maximize what you retain.
The means test is a critical calculation that determines eligibility for Chapter 7 bankruptcy in South Carolina. This test compares your average monthly income over the six months preceding your filing to the median income for a household of your size in the state. As of 2024, the median income for a single-person household in South Carolina is approximately $57,000, while a family of four has a median of about $82,000. If your income falls below the median, you automatically qualify for Chapter 7. If it exceeds the median, you must complete a detailed expense analysis to see if you have enough disposable income to repay a portion of your unsecured debts over five years. If the calculation shows you can pay at least $7,700 over that period, you may be presumed to have abuse and must file under Chapter 13 instead. A bankruptcy lawyer in Spartanburg will gather your pay stubs, tax returns, and expense records to perform this test accurately.
When you file for bankruptcy in Spartanburg, the automatic stay goes into effect immediately, stopping most collection actions, including wage garnishments, foreclosure proceedings, repossession efforts, and harassing phone calls from creditors. The timeline from filing to discharge varies by chapter: a Chapter 7 case typically takes three to six months, while a Chapter 13 plan lasts three to five years before discharge. Before you can receive a discharge, you must complete two mandatory courses: a credit counseling session within 180 days before filing, and a debtor education course after filing but before discharge. These courses are available online or by phone for a fee of $10 to $50 each, and your bankruptcy lawyer can provide a list of approved providers in Spartanburg. Failure to complete either course can result in your case being dismissed, so it is essential to follow through on these requirements.
The costs of filing bankruptcy in Spartanburg include court filing fees and attorney fees. As of 2024, the filing fee for Chapter 7 is $338, and for Chapter 13 it is $313, though these fees can be paid in installments with court approval. Attorney fees for a Chapter 7 case in Spartanburg typically range from $1,200 to $2,500, while Chapter 13 fees are higher, usually between $3,000 and $5,000, because of the longer duration and more complex paperwork. Many bankruptcy lawyers offer payment plans, allowing you to pay attorney fees in installments before filing, though the filing fee must be paid in full or through an approved installment plan with the court. For those with very low income, pro bono resources are available through organizations like South Carolina Legal Services, which provides free legal assistance to qualifying individuals in Spartanburg. However, eligibility is limited, and most people hire a private attorney.
Life after bankruptcy in Spartanburg involves both challenges and opportunities for financial recovery. A Chapter 7 discharge remains on your credit report for 10 years from the filing date, while a Chapter 13 discharge stays for 7 years. Despite this, many individuals begin rebuilding credit immediately by obtaining secured credit cards, making timely payments on reaffirmed debts like car loans or mortgages, and monitoring their credit reports for errors. Certain debts survive bankruptcy, including most student loans, recent income tax debts (less than three years old), child support, alimony, and debts from fraud or intentional harm. A bankruptcy lawyer in Spartanburg can advise you on which debts are dischargeable in your specific situation. With disciplined financial habits, many people see their credit scores improve within two to three years after discharge, and they can qualify for mortgages or car loans again.
Frequently Asked Questions
How do South Carolina bankruptcy exemptions affect what I can keep in a Chapter 7 case in Spartanburg?
South Carolina law allows you to exempt up to $60,975 in home equity, $5,425 in vehicle equity, and $5,425 in a wildcard exemption for any property. These amounts are adjusted every three years for inflation, and you must use state exemptions unless you specifically choose federal ones. A bankruptcy lawyer in Spartanburg can help you apply these exemptions to protect your assets, such as your house, car, and personal belongings, from liquidation.
What are the typical attorney fees for a bankruptcy filing in Spartanburg, South Carolina?
Attorney fees for a Chapter 7 case in Spartanburg generally range from $1,200 to $2,500, while Chapter 13 fees range from $3,000 to $5,000 due to the longer plan duration. Court filing fees are separate: $338 for Chapter 7 and $313 for Chapter 13, which can be paid in installments. Many lawyers offer payment plans for their fees, but you must pay them in full before the case is filed.
How long does the bankruptcy process take from filing to discharge in South Carolina?
A Chapter 7 case in Spartanburg typically takes three to six months from filing to discharge, assuming no complications. A Chapter 13 case lasts three to five years because it involves a court-approved repayment plan. You must complete credit counseling before filing and a debtor education course after filing, or your case may be dismissed.
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