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We are a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code Chapter 7 and 13

Bankruptcy Relief:

  • STOP!

  • Creditor Harassment

  • Eviction Proceedings

  • Mortgage Foreclosures

  • Repossessions

  • Lawsuits

  • Judgements

  • END!

  • Credit Card Debt

  • Check Cashing Loans

  • Medical Bills

  • Excessive Debt

  • Debt Collection Pressure

  • Credit Defaults

Bankruptcy Assistance Services:
  • Chapter 7

  • Chapter 13

  • Chapter 13 Plan - Federally Supervised repayment plan

Debra A. Matthews Attorney at Law LLC offers a full service bankruptcy practice, including representation of creditors and debtors in all matters arising under chapters 7 and 13 of the Bankruptcy Code. Clients include banks, financial institutions, used car dealers, sole proprietorships and individual consumers. The range of litigation varies from domestic matters arising from a bankruptcy filing to preference actions and claims litigation.

The firm is online with the United States Bankruptcy Court for the District of South Carolina and is able to access by computer, pleadings and other filing information such as the bankruptcy schedules and plans of reorganization as well as the entire court docket. The firm files all bankruptcy pleadings electronically.

For More Information:

Please contact any of our well-trained, professional staff for assistance or call to make an appointment.

Important information about Bankruptcy Assistance Services from an Attorney or Bankruptcy Petition Preparer.  If you decide to seek Bankruptcy Relief, you can represent yourself, you can hire an attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney. THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOU A WRITTEN CONTRACT SPECIFYING WHAT THE ATTORNEY OR BANKRUPTCY PETITION PREPARER WILL DO FOR YOU AND HOW MUCH IT WILL COST. Ask to see the contract before you hire anyone.

The following information helps you understand what must be done in a routine bankruptcy case to help you evaluate how much service you need. Although bankruptcy can be complex, many cases are routine.

Before filing a bankruptcy case either you or your attorney should analyze your eligibility for different forms of debt relief available under the Bankruptcy Code and which form of relief is most likely to be beneficial for you. Be sure you understand the relief you can obtain and its limitations. To file a bankruptcy case, documents called a Petition, Schedules and Statement of Financial Affairs, as well as in some cases a Statement of Intention need to be prepared correctly and filed with the bankruptcy court. Once your case starts, you will have to attend the required first meeting of creditors where you may be questioned by a court official called a "trustee" by creditors.

If you choose to file a Chapter 7 case, you may be asked by a creditor to reaffirm a debt. You may want help deciding whether to do so. A creditor is not permitted to coerce you into reaffirming your debts.

If you choose to file a Chapter 13 case in which you repay your creditors what you can afford over 3 to 5 years, you may also want help with preparing your chapter 13 plan and with the confirmation hearing on your plan which will be before a bankruptcy judge.

If you select another type of relief under the Bankruptcy Code other than Chapter 7 or Chapter 13, you will want to find out what should be done from someone familiar with that type of relief.

Your bankruptcy case may also involve litigation. You are generally permitted to represent yourself in litigation in bankruptcy court, but only attorneys, not bankruptcy petition preparers, can give you legal advice.


Debra A. Matthews ~ Attorney at Law, LLC  |  Post Office Box 447  |  206 S Congress ST  |  Winnsboro, SC 29180
Telephone:  803-635-6000  |  Facsimile:  803-635-0033 | DML