A Bankruptcy Attorney You Can Rely On
When your financial future is on the line, every move counts.
Trustworthy
Relentless in our pursuit to help you through a time of crisis.
Experienced
More than 10 years practicing bankruptcy law in South Carolina.
Reliable
Hundred’s (100’s) of people have relied on Culler Law Firm.
What we Do
Individual Debt Relief Services
Chapter 7
A Chapter 7 is if you are not able to repay the debt, this is usually because you do not have enough income to allow your debts to be restructured. In order to be able to file a Chapter 7 you have to meet a certain income test. The US Bankruptcy Law may allow you to protect assets while getting rid of all of your debt. The Bankruptcy Law allows you to protect your home and possessions up to certain limits. In the vast majority of cases people can protect all of their assets and get rid of their debt. I will work with you to see if Chapter 7 is the right solution for you.
Chapter 13
I do not charge fees from you before filing. I will be paid, along with other creditors through a plan. In a Chapter 13 you are trying to reorganize HOW you repay your debt. If you are behind on a car payment or mortgage you can propose to repay those debts over up to 60 months AND reduce the interest rate on the debt to the Federal rate. I can help you go through your income and other regular living expenses to set up a repayment plan for your car and/or mortgage debt. Credit cards and medical debt can often be repaid at 2% of the original amount over 60 months.
About
Culler Law Firm
We are a small firm focused on providing individualized attention and outstanding service.
Michael Culler is a member of the South Carolina Bankruptcy Law Association and the South Carolina Bar. He graduated from Furman University and the University of South Carolina School of Law. He has been practicing since 1991.
Over the last 10 years Michael has filed bankruptcy cases for people from the Midlands all the way to the Lowcountry. Our office is located in Orangeburg, but Michael works with individuals located in and around the Charleston, Columbia and Myrtle Beach area.
* The Rules of Professional Conduct require disclosure that this is a “Testimonial” about the attorney. Please be aware that any result achieved on behalf of one client in one matter does not necessarily indicate similar results can be obtained for other clients.
“What an amazing Law Firm! There are not enough thank yous, for everything they did for us! They treated us like family and were always there in a moments notice! We will never use another attorney after our experience with the team. They took our situation and made it theirs and cared so incredibly much. If you need an amazing attorney and team, you will not go wrong with them!”
“Definitely worth every Penny. Michael helped me get everything together so the process was an absolute breeze. And it was a stress free process and his staff is very helpful as well.“
“I had an amazing experience with this firm!! They took care of any and all questions I had and was always willing to work with me. Highly recommend!!”
Contact Us
3 Steps to see if we can help:
1. Schedule appointment 2. Discuss your situation 3. Decide to work together