Helping Columbia Find Legal Solutions Since 1999
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Legal representation for Bankruptcy and Debt, Traffic Violations and tickets, and Uncontested Divorce
Legal representation for Bankruptcy and Debt, Traffic Violations and tickets, and Uncontested Divorce

Honest, Committed Representation

LAW FIRM, LLC

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How Chapter 7 Bankruptcy Works 

Experiencing Creditor Harassment? Wage Garnishment For Unpaid Debt? You Are Not Alone.

If you are reading this page, you may be considering bankruptcy as a way to get out of debt. Maybe you're receiving harassing phone calls or threatening letters from bill collectors. Maybe your paycheck is being garnished. Maybe you are on the verge of losing your car or house.

Whatever your situation, know this: You are not alone.


Millions of other Americans experience similar financial struggles every single day for a variety of reasons. But there is a solution.

Here's Why Chapter 7 Bankruptcy Could Be A Great Option

Chapter 7 bankruptcy is a powerful, legal right based on federal law to get out of many types of debt. When you file a Chapter 7 several things will happen. First, creditors are ordered to stop harassing or contacting you immediately. Second, most of your debts will be canceled. In as little as 90 days, consumers who file for Chapter 7 bankruptcy are able to get out from:

  • Credit card debt
  • Medical bills of all kinds
  • Personal loans
  • Check and payday loans
  • Collection accounts
  • Finance company loans
  • Federal and state taxes

Worried About Your Credit Score? Don't Be

Many people considering filing for bankruptcy worry about their credit score and whether they are financially ruined in perpetuity.

It's true your credit history will be impacted, but filing for Chapter 7 bankruptcy actually enables individuals — who simply cannot make a dent in their debt — to improve their scores in a shorter period of time than if they never filed at all.


By erasing debt and the newfound ability to pay bills on time with resources that were not present before bankruptcy, many consumers are surprised at how short an amount of time it takes to be able to revive their financial risk.

Call Us To Learn About Bankruptcy And Other Debt Relief Options: 803-407-4140

For some people who are struggling to pay their debts, bankruptcy is an excellent solution. We encourage you to contact us to learn more about the process.


Our founding attorney, Ray Lord, will sit down with you, go over all your debts and help you decide if Chapter 7 or a payment plan under Chapter 13 bankruptcy is right for you.

Call 803-407-4140 today to set up a confidential appointment. 


Flexible appointments and payment options available.


We are a debt relief agency.


We help people file for bankruptcy relief under the Bankruptcy Code.

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