Janne Osborne

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Orangeburg South Carolina Bankruptcy Firm

Janne Osborne


1313 Riverbank Dr.
Orangeburg, SC 29115

Phone: 803-531-2212
Fax: 803-753-0152

Janne Osborne's Websites:
www.janneosborne.com

Counties Served:

Allendale, SCBamberg, SC
Barnwell, SCCalhoun, SC
Orangeburg, SC

Areas of Practice:
Bankruptcy

Orangeburg South Carolina Bankruptcy Lawyer Janne Osborne

CALL NOW FOR YOUR CASE EVALUATION

(803) 531-2212

Orangeburg South Carolina Bankruptcy Lawyer

Law Office of Janne Osborne
1313 Riverbank Drive
Orangeburg, SC 29115

South Carolina Bankruptcy Lawyer

Bankruptcy may be able to eliminate your debt entirely by filing Chapter 7 or Chapter 13 . Use our free confidential legal evaluation tool to see if bankruptcy or bankruptcy alternative is the best choice for you.

Our South Carolina attorneys are from well-established law firms that deal exclusively in consumer debt. We have helped many people just like you get out from under the burden of excessive debt and we can help you too.

Don’t wait any longer; take the first step by speaking to one of our bankruptcy lawyers near you.

If you have been considering Bankruptcy to deal with your financial problems, We can provide you with updated information about bankruptcy law and how you can use the bankruptcy process to protect your assets and get a fresh start.

Filing for bankruptcy provides you with the protection of the "automatic stay," which halts all collection activities and Stops Foreclosure. Whether you are looking for basic information about the protections available to you through Chapter 7 or Chapter 13 Bankruptcy, or have thought seriously about Filing Bankruptcy and are seeking help about specific issues, we are here to help you get control of your finances and move toward a future free of crippling debt.

Our team of attorneys and legal professionals has designed this site to provide you with up-to-date information and news about bankruptcy and its processes. If the information on the site does not answer your Bankruptcy Questions, a sponsoring attorney in your area is ready to provide you with a Free Evaluation of your personal situation and advise you what types of debt can be discharged in bankruptcy.

Making the decision to File Bankruptcy is not easy. Getting all the information about bankruptcy and answers to your questions so that you can make an informed decision is very important. Take a look around our Web site and hopefully we have provided you with a comprehensive overview of bankruptcy, its process, benefits and drawbacks.

Q: What is bankruptcy?

A: Bankruptcy is a process under federal law that allows debtors who owe more money than they can pay to either eliminate their debts or work out a payment plan to pay a portion (or all) of their debts over time.

Q: Will bankruptcy stop all the harassing phone calls and mail from bill collectors?

A: Yes! An "automatic stay" will take effect when you file your case. It will stop the creditor harassment.

Q: Will bankruptcy stop a wage garnishment from a lawsuit over an unsecured debt?

A: Yes. The automatic stay will stop the garnishment.

Q: How long will bankruptcy remain on my credit report?

A: Bankruptcy can remain on your credit report for ten years.

Q: What does "secured" or "unsecured" debt mean?

A: Secured debt is debt that allows a creditor to make a claim on an asset (i.e. home, real property or car). Unsecured debt is held by creditors that have no claim to your assets (i.e. credit cards).

Q: What happens if I file and discover another debt after filing?

A: Your lawyer can amend your case to include any additional debts you may find after the case is filed.

Q: What happens when one spouse files without the other spouse?

A: You need to discuss this carefully with your attorney. The spouse that doesn’t file may end up being responsible for some of the debts.

Q: Can I be held responsible for a debt that I co-signed?

A: Yes. You can be held responsible for any debt that you signed an agreed that said you would pay in the event that someone else failed to make the payments (co-signed).

Q: Can all debts be discharged?

A: No. There are certain debts like student loans, government loans, back taxes and other debts that cannot be discharged.

Q: Will I lose my social security payments if I file?

A: No

Q: Am I going to lose my personal property if I file bankruptcy?

A: There are exemptions, both state and federal, that allow you to keep a certain amount of personal property. Your attorney will explain how these exemptions apply to people who file bankruptcy in your state.

Q: Can I pick which debts to put in the bankruptcy?

A: No. You must include all of your debts.

Q: When will I get my discharge?

A: Generally a Chapter 7 bankruptcy discharge is received 60 days after the 341 meeting, or first meeting of creditors. In Chapter 13, your discharge will be sent to you once you have completed the payments under the Chapter 13 plan.


Creditors are subject to state law provisions incorporated into bankruptcy cases. If a bankruptcy court lifts the automatic stay and permits a specific creditor to seize and liquidate property subject to a lien, creditors must obey all state law limitations on collection practices. For more information, see legal assistance for debtors. Also, all statutory provisions depend on conformity with the prohibition against fraudulent conversions creating exempt property.