Business Details
21 Years
experience
Your Trusted Bankruptcy Law Firm in South Carolina
Reed Law Firm is a federally designated debt relief agency in South Carolina, specializing in bankruptcy law since 2005. Our practice focuses exclusively on Chapter 7 and Chapter 13 bankruptcy filings, helping individuals and small businesses eliminate or reorganize debt. We provide compassionate advocacy to clients facing financial crises, including foreclosure, repossession, medical debt, and creditor harassment. Our team prioritizes personalized service, leveraging deep local relationships with creditors, courts, and judges to achieve favorable outcomes. With offices in Columbia and Florence, we offer free consultations and evening appointments to accommodate clients' needs. Our attorneys, including founder Eric Reed, have dedicated their careers to debt relief, ensuring clients understand their rights under the U.S.Bankruptcy Code. We emphasize transparency, accessibility, and expertise in South Carolina-specific bankruptcy regulations. By stopping collection actions immediately upon filing, we help clients regain control of their financial futures. Our track record includes successful debt discharges and mortgage modifications, supported by a team of experienced professionals. Client testimonials highlight our professionalism, responsiveness, and ability to transform intimidating processes into manageable solutions.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Mortgage Modifications
Stopping Foreclosures
Discharging Credit Card Debt
Stopping Repossessions
Dealing With Tax Debt
Bankruptcy Consultations
Creditor Harassment Defense
Debt Reorganization
Details
- Year established: 2005
Highlights and features
- We specialize exclusively in bankruptcy law with 18+ years of focused experience.
- Our local attorneys have deep relationships with South Carolina creditors and courts.
- We offer free, no-obligation consultations and evening appointment availability.
- Our team stops creditor harassment and collection actions immediately upon filing.
- We provide personalized guidance through complex bankruptcy processes with compassion.
What people say
Excellent job
Highly recommend
Compassionate and nonjudgmental
Made process easy
Quick to respond
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts like credit card balances and medical bills through liquidation. Our attorneys guide clients through asset protection and court requirements, ensuring a fresh financial start. This service suits individuals with limited income seeking immediate debt relief.
Chapter 13 Bankruptcy
Chapter 13 restructures debts into manageable monthly payments over 3-5 years. We help clients retain assets like homes while catching up on arrears. This option benefits those with steady income needing foreclosure prevention and debt consolidation.
Mortgage Modifications
We negotiate reduced mortgage payments by modifying loan terms with lenders. This service prevents foreclosure through lower interest rates, extended repayment periods, or principal reductions. Clients receive tailored solutions for long-term housing stability.
Stopping Foreclosures
Our team halts foreclosure proceedings immediately via bankruptcy filings or direct lender negotiations. We explore loan modifications, repayment plans, and legal protections to preserve homeownership for South Carolina residents facing property loss.
Discharging Credit Card Debt
Credit card balances are typically dischargeable in Chapter 7 bankruptcy. We help clients legally erase unsecured debts while ensuring compliance with court requirements. This service provides relief for those overwhelmed by high-interest consumer debt.
People
Eric S. Reed
Founder & Bankruptcy Attorney
Eric Reed has exclusively practiced bankruptcy law since 2005, helping South Carolinians eliminate debt and protect assets. He focuses on Chapter 7 and Chapter 13 filings, leveraging local legal expertise to guide clients through financial crises with compassion and professionalism.
Nancy E Johnson
Attorney
Nancy Johnson specializes in bankruptcy court proceedings, assisting clients with Chapter 13 repayment plans and creditor negotiations. Her expertise ensures smooth case management from initial consultation through successful debt discharge or reorganization.
Jane S. Ruschky
Attorney
Jane Ruschky provides personalized bankruptcy guidance, helping clients understand options for debt relief. She focuses on Chapter 7 filings and mortgage modification strategies to prevent foreclosure while maintaining compassionate client support.
Questions
What is Chapter 7 bankruptcy?
Chapter 7 eliminates unsecured debts through asset liquidation. We help qualifying clients discharge obligations like credit card debt and medical bills while protecting exempt property under South Carolina law.
How does Chapter 13 bankruptcy work?
Chapter 13 reorganizes debts into a 3-5 year repayment plan. We assist clients in retaining assets while catching up on mortgage arrears or other priority debts through manageable monthly payments.
Can bankruptcy stop foreclosure?
Yes. Filing for bankruptcy triggers an automatic stay, immediately halting foreclosure. We help clients explore loan modifications or Chapter 13 plans to keep their homes while restructuring mortgage debt.
What debt can bankruptcy discharge?
Chapter 7 typically discharges credit card debt, medical bills, and unsecured loans. We provide detailed guidance on dischargeable debts and exceptions like student loans or recent tax obligations.
Do you offer free consultations?
Yes. We provide free, no-obligation consultations to discuss your financial situation. Our team explains bankruptcy options and answers questions about the process during in-person or evening phone appointments.
How long does bankruptcy take?
Chapter 7 cases typically complete in 3-6 months. Chapter 13 requires 3-5 years of payments. We guide clients through each step, ensuring timely compliance with court requirements for successful debt relief.
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