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