Business Details
21 Years
experience
Emergency
services
Your Trusted South Carolina Bankruptcy Law Firm
Reed Law Firm, P.A. has dedicated itself exclusively to bankruptcy law since 2005, providing South Carolina residents with expert guidance through Chapter 7 and Chapter 13 bankruptcy filings. Our attorneys, including lead attorney Eric Reed, bring decades of combined experience in debt relief, having helped thousands of individuals and small businesses achieve financial fresh starts. We specialize in stopping foreclosures, eliminating unsecured debts, and restructuring payments while offering personalized service rooted in local knowledge of South Carolina's bankruptcy courts.Our team maintains strong relationships with creditors and judges, ensuring strategic advocacy for clients facing creditor harassment, medical debt, or asset protection challenges. With offices in Columbia and Florence, we provide free consultations and evening availability to accommodate clients during their most difficult times.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Mortgage Modifications
Loan Modifications
Foreclosure Defense
Details
- Year established: 2005
Highlights and features
- We focus exclusively on bankruptcy law with 18+ years of South Carolina-specific experience
- Our attorneys maintain strong relationships with local creditors and bankruptcy judges
- We offer free, no-obligation consultations with personalized case evaluations
- We provide evening availability for clients with scheduling constraints
- We combine legal expertise with compassionate support during financial crises
What people say
Excellent job
Compassionate support
Professional team
Fresh financial start
Knowledgeable staff
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides debt relief through asset liquidation exemptions, allowing most clients to discharge unsecured debts while retaining essential possessions. Our attorneys protect your home, vehicle, and household goods through South Carolina-specific exemptions. With 18 years of experience, we ensure compliance with federal bankruptcy codes while stopping creditor harassment immediately upon filing.
Chapter 13 Bankruptcy
Chapter 13 reorganizes debts into manageable three-to-five-year payment plans, protecting assets from foreclosure while reducing financial obligations. Our team negotiates with creditors to include taxes, car payments, and mortgage arrears in repayment plans. We've successfully helped clients retain properties through structured payments averaging 30% less than original obligations.
Mortgage Modifications
Mortgage modification services renegotiate loan terms to reduce monthly payments and prevent foreclosure. Our attorneys leverage relationships with lenders to secure principal reductions and interest rate adjustments. With a 75% success rate, we combine bankruptcy protection with modification strategies to create sustainable housing solutions for South Carolina homeowners.
People
Eric S. Reed
Founding Attorney
Eric Reed has practiced bankruptcy law exclusively since 2005, focusing on Chapter 7 and Chapter 13 filings. He represents clients in central and eastern South Carolina, combining legal expertise with compassionate advocacy during financial crises.
Nancy E. Johnson
Bankruptcy Attorney
Nancy Johnson specializes in federal court bankruptcy proceedings, guiding clients through creditor meetings and discharge processes. With 15+ years of experience, she provides expert legal representation for asset protection and debt elimination.
Jane S. Ruschky
Bankruptcy Attorney
Jane Ruschky assists clients with bankruptcy filings and mortgage modification negotiations. Her practice focuses on helping individuals overcome medical debt and creditor harassment through strategic debt relief solutions.
Questions
What types of debt can bankruptcy eliminate?
Chapter 7 bankruptcy discharges unsecured debts like credit cards and medical bills. Chapter 13 restructures secured debts including mortgages and car loans while reducing payment obligations.
Will I lose my home if I file bankruptcy?
Chapter 13 bankruptcy stops foreclosure proceedings and allows mortgage arrears to be repaid over time. Most Chapter 7 filers retain their homes through South Carolina's homestead exemption protections.
How does the bankruptcy process work?
The process begins with filing a petition listing assets, debts, and income. A trustee reviews your case at a 341 meeting 40-50 days later. Chapter 7 typically completes in 4-6 months, while Chapter 13 requires 3-5 years of payments.
Can I afford bankruptcy attorney fees?
We offer free initial consultations and flexible payment arrangements. Bankruptcy filing fees can be included in payment plans, and our services often prevent greater financial losses from ongoing debt.
How does bankruptcy affect credit scores?
While bankruptcy appears on credit reports for 7-10 years, most clients rebuild credit within 1-2 years by establishing responsible financial habits post-discharge.
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