Consumer Bankruptcy

Consumer Bankruptcy

Bankruptcy Attorney 

If you’ve reached the point where you are having to choose between paying your debts and buying food or medicine, you should talk to a bankruptcy attorney like Harvey Law Office LLC. Bankruptcy is never anyone’s first choice, but it is often the only choice. Not talking to us about your situation is NOT the answer. We want to help you understand your rights, and if necessary, the bankruptcy process. At each step, we’ll be there to explain anything you don’t understand.


While it is always the last resort, declaring bankruptcy very often results in your having a renewed peace of mind. From the day your bankruptcy case is filed, your creditors get a court order that forbids them from contacting you – by phone, mail, or by knocking on your door. They can’t sue you. They can’t repossess your car, your boat, or your belongings. They can’t take your home. You get a chance to collect yourself and start over. The United States Bankruptcy Code even gives consumers the option of how to go through bankruptcy, based in large part on what is best for them – not their creditors. Once you know what chapter to file for, we’ll explain how your property will be affected.

What is Consumer Bankruptcy?

For individuals that find themselves in insurmountable debt or are behind on debt payments, one option can be to declare bankruptcy. Consumer bankruptcy can release the debtor of some or all of their debts. While bankruptcy may not be the best option for everyone, in the right situations, it can provide people with a fresh start. The probate and consumer bankruptcy attorneys at Harvey Law Office LLC, offer assistance to those that are seeking debt relief by filing for bankruptcy. Consumers have a few options to pursue in terms of bankruptcy. These options are set forth in separate chapters of the federal bankruptcy law – called the Bankruptcy Code – and they are commonly referred to by their chapter numbers. Consumers most commonly file either under Chapter 7 or Chapter 13, with a few filed under Chapters 11 or 12. If you are wondering what consumer bankruptcy entails, don’t hesitate to contact our probate and real estate attorneys today. We are here to help.

Options for Filing for Bankruptcy

Consumers have options for filing for bankruptcy – Chapter 7 or Chapter 13. There are different requirements for either. Whether you can file for Chapter 7 or Chapter 13 will depend on how much debt you have, how much you earn, and whether you can pay back your creditors in full or part. We’ll go over your options with you. Chapter 7 and Chapter 13 affect your debts, property, money, and belongings differently as well. In some cases, you may be able to stop foreclosures or at least delay them. In other cases, some debts or loans may or may not be forgiven.


Declaring bankruptcy is a stressful, involved process. We want to make that process as simple and calm as possible.

Access Bankruptcy Support in Barnwell, SC

The prospect of filing for bankruptcy may feel overwhelming. Thankfully, the certified attorneys at Harvey Law Office LLC are constantly standing by to provide support. For years, our legal professionals have continued to offer contemporary counsel to clients throughout the Barnwell, Bamberg, and Aiken, SC communities. We'll remain by your side throughout each step of this complex process to ensure a bright financial future.


Once you're ready to file for bankruptcy, be sure to contact one of our certified representatives to schedule a preliminary consultation. Even if you're not quite sure which chapter of bankruptcy will best suit your financial standing, Harvey Law Office LLC will offer all sorts of helpful information. Have no doubt, we provide a comprehensive form of representation to ensure the ultimate satisfaction of our clients. 

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