Business Details
21 Years
experience
Your Trusted Bankruptcy Law Firm in South Carolina
Reed Law Firm PA has specialized in bankruptcy law since 2005, providing debt relief solutions for individuals and small businesses across South Carolina. Our practice focuses exclusively on Chapter 7 and Chapter 13 bankruptcy filings, helping clients eliminate unsecured debts, protect assets from repossession, and modify mortgages to prevent foreclosure. With offices in Columbia and Florence, we combine deep local legal expertise with personalized service to guide clients through financial crises. Our team understands the emotional stress of debt and offers compassionate, nonjudgmental advocacy to stop creditor harassment and create pathways to financial recovery.We maintain strong relationships with local creditors, courts, and bankruptcy trustees to ensure efficient case resolution. Our free initial consultations help clients understand their rights without obligation, while evening consultations accommodate those with scheduling constraints. Over 17 years of dedicated bankruptcy practice have established our firm as a trusted resource for South Carolinians seeking debt relief under federal bankruptcy laws.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Mortgage Modifications
Stopping Foreclosures
Discharging Credit Card Debt
Details
- Year established: 2005
Highlights and features
- Specialized exclusively in bankruptcy law since 2005
- Local attorneys with deep relationships in South Carolina courts
- Free initial consultations with no-obligation debt analysis
- Evening consultations available for scheduling flexibility
- Proven track record stopping foreclosures and creditor harassment
What people say
Excellent job
Highly recommend
Compassionate and nonjudgmental
Made process easy
Achieved financial fresh start
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation. Our firm guides South Carolina residents through this process to discharge medical bills, credit card debt, and other obligations while protecting exempt property. With offices in Columbia and Florence, we help clients achieve financial fresh starts by navigating federal bankruptcy code requirements and court procedures efficiently.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy reorganizes debts into manageable payments. We assist clients across South Carolina in creating repayment plans to protect homes from foreclosure and retain valuable assets. Our Columbia-based team leverages local court relationships to negotiate favorable terms while stopping creditor collection actions immediately upon filing.
Mortgage Modifications
Mortgage modification services reduce monthly payments to prevent foreclosure. We represent South Carolina homeowners in negotiating with lenders to adjust loan terms, lower interest rates, or forgive arrears. Our bankruptcy expertise enables integrated solutions combining Chapter 13 filings with permanent loan modifications to achieve sustainable housing solutions.
Stopping Foreclosures
Foreclosure prevention services protect home equity through emergency bankruptcy filings. We immediately halt sheriff sales and repossession actions by leveraging automatic stay protections under Chapter 13. Our local knowledge of South Carolina mortgage laws enables effective defense strategies combining loan modifications with repayment plans to preserve homeownership.
Discharging Credit Card Debt
Credit card debt discharge services eliminate unsecured obligations through Chapter 7 bankruptcy. We help South Carolina residents permanently erase medical bills, collection accounts, and high-interest credit card balances. Our streamlined process handles creditor communications and court filings while ensuring compliance with federal discharge requirements for complete debt relief.
People
Eric S. Reed
Founder & Bankruptcy Attorney
Eric Reed has practiced exclusively in bankruptcy law since 2005. He specializes in Chapter 7 and 13 filings to help South Carolinians eliminate debt and protect assets. His local expertise covers central and eastern regions of the state.
Nancy E Johnson
Attorney
Nancy Johnson assists clients with bankruptcy proceedings and creditor negotiations. She brings extensive experience in financial restructuring to help individuals and small businesses achieve debt relief through proven legal strategies.
Jane S. Ruschky
Attorney
Jane Ruschky specializes in consumer bankruptcy cases. She provides personalized guidance through debt relief options and represents clients in court proceedings to ensure protection from creditor harassment and collection actions.
Questions
What bankruptcy options exist for South Carolina residents?
We specialize in Chapter 7 liquidation and Chapter 13 reorganization bankruptcies to help South Carolinians eliminate debt or restructure payments while protecting assets from repossession or foreclosure.
How can bankruptcy stop foreclosure proceedings?
Filing Chapter 13 immediately halts foreclosure sales through automatic stay protections. We combine this with mortgage modification negotiations to create sustainable payment plans for homeowners.
What debt relief services do you offer?
Our services include eliminating credit card debt, medical bills, back rent, tax debt, and repossession prevention through tailored bankruptcy strategies and loan modifications.
Do you offer free bankruptcy consultations?
Yes, we provide free initial consultations to analyze your financial situation and explain debt relief options without obligation. Evening appointments accommodate busy schedules.
How does the bankruptcy process work?
Chapter 7 eliminates qualifying debts through asset liquidation, while Chapter 13 establishes repayment plans. We guide clients through document preparation, court filings, and creditor negotiations to complete the process.
Videos
