Bankruptcy Lawyer Charleston, SC

YES! I’M READY TO SPEAK WITH AN ATTORNEY.

Stop Foreclosures

Filing for bankruptcy halts foreclosure proceedings, which gives you and your attorney time to negotiate with the lender.

Stop Bill Collectors

Filing bankruptcy will stop bill collectors calling you, harrassing you and using intimidating tactics against you.

Stop Repossessions

Filing bankruptcy stops a lender from repossessing your car. The courts put an “automatic stay” in place and this stops collectors in their tracks.

* 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.

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.

Gavin Dent

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 it!!

Kassie Deaton

I am pleased with the professionalism, and attentive service that has been, and currently being provided to me, from the staff as well as the Attorney Culler.

Richard G. Benjamin

Consider a Charleston bankruptcy lawyer that has help hundreds get back on their feet by reorganizing their debts through the process of bankruptcy.

Are you behind on bills due to a loss of employment, a major medical expense, or some other unforeseen setback in life? 

Are creditors harassing you, sending you letters, or threatening to take you to court? 

If you answered “yes” to any of these questions then we can help!

At Culler Law Firm, we understand the stress experienced by people facing financial instability due to unforeseen circumstances in life.

We also understand that during challenging times people need solutions from those who approach life with a sense of compassion. That’s where we come in. 

Not only do we approach our clients with a sense of compassion and understanding, we also know from experience that bankruptcy can bring about a sense of relief, restoring confidence and certainty in one’s life. 

Put another way, healing and balance can be brought back into your life through the process of bankruptcy.

Now, it’s important to understand that bankruptcy is not a fit for everyone and that is precisely why we’ll sit down together and determine if it’s the right fit for you given your unique circumstances.

If in fact bankruptcy is a good fit for you, we will help you determine which chapter would benefit you more; a Chapter 7 or Chapter 13, and we will also help stop the phone calls and harassment from your creditors. Once your case has been filed, the harassment will stop altogether!

How We Can Help!

  • When you contact us, we will schedule you a time to speak with Charleston Bankruptcy Attorney Michael Culler; this can be over the phone or in person at the office, if we need to, we can come to you.  Michael Culler and his Staff are very familiar with Bankruptcy Law and can answer any questions that may come up.
  • During your Consultation, Michael will evaluate your situation and determine if Bankruptcy is a viable solution for you.  If so, he will then determine which Chapter is better for you based on your situation and Rules of the Bankruptcy Court.
  • Once the route to your financial future is chosen, we will give you a list of documents that we will need to help put your case together.  (What documents are needed are determined on a case-to-case basis.)  We will also go over your assets, income, expenses, and most importantly your debt!
  • During this meeting we will call your harassing creditors and let them know you are retained and all further contact should be directed to us.
  • Once the documents have been received and the information has been gathered to compile your case, we will then have you review the documents for accuracy. After all, we are only human and who knows your life better than you do?
  • Then your case is filed, and a Case Number is immediately issued.  This puts in place what the Court refers to as the “Automatic Stay” which is a fancy way of saying, your creditors are prohibited from contacting you for any reason and ALL foreclosure proceedings, Hearings/Court Cases with Creditors, repossessions will cease immediately!  We can also recover your vehicle, if it has been repossessed but not yet sold at auction.

Charleston Bankruptcy Lawyer Michael Culler has represented hundreds of people facing financial instability and helped them regain control of their financial future. 

Charleston Bankruptcy Attorney Michael Culler knows how to help you get personal debt relief – this is what we do.

Your bankruptcy attorney at the Culler Law Firm has over a decade of experience helping clients file for Chapter 7 and Chapter 13 bankruptcy. We will do everything legally, ethically, and within our power to ensure that you get the debt relief you need.

You might be wondering… What will this cost me??

Our bankruptcy law firm charges a reasonable fee that can vary depending on whether you file Chapter 7 or Chapter 13 bankruptcy, and the complexity of your case all while following the local bankruptcy courts’ guidelines for reasonable fees.

Note that attorney fees in bankruptcy proceedings must be approved by the court, and your bankruptcy attorney understands your financial situation and is willing to work out a payment arrangement with you.

We will let you know up front what to expect.

Should You File Bankruptcy in Charleston, SC?

You may be experiencing stress and you may be feeling like you are in a hole – you need relief now. But how do you know if bankruptcy is the right answer for you? 

Bankruptcy may be the relief you are looking for if:

  • Your credit score has plummeted in recent years, due to missed payments or other financial troubles that could negatively affect your credit score,
  • You are overwhelmed by credit cards and cannot afford the minimum payments, 
  • Your phone is ringing constantly and every day brings new collection letters in the mail from your creditors,
  • You have tried to make a plan to get out of debt or you have tried debt consolidation, but nothing has worked for you, or 
  • The total amount of debt you owe is steadily increasing because of late fees and penalties.
  • You are falling behind on your vehicle or house and are on the verge of repossession or foreclosure. 

How Bankruptcy Cases Work and Types of Bankruptcy Cases

Chapter 7

What types of bankruptcy cases are there and how do they work?

Chapter 7 bankruptcy:

  • If you file Chapter 7 bankruptcy, we will exempt all your assets (things you own) and   make sure the value of those assets is under the protection limits allowed in a Chapter 7. Your assets are valued at their current value (i.e., a 10-year-old TV isn’t worth what you paid for it anymore.) 
  • You then list your debt. Unlike Chapter 13 bankruptcy, in a Chapter 7, you do not have to come up with a repayment plan and pay the creditors over time. If you have a secured debt like a mortgage, car, or furniture payment and you wish to keep the property, you must maintain those payments going forward. Property that you do not wish to keep will be surrendered back to the lien holder.
  • Because there is no repayment plan, a Chapter 7 bankruptcy takes considerably less time – once your debt is discharged, you are on the road to recovery and rebuilding your credit again. 
  • Chapter 7 bankruptcy is not available to everyone and must meet certain criteria such as, income level must be below a certain amount, the type of debt you have and whether you have filed a previous case in the last few years.
  • Chapter 7 bankruptcy will discharge or wipe out most of your personal debt, which could include medical bills, foreclosures, vehicle repossessions, some tax debt, credit cards, finance companies, unsecured loans, and other personal debts.

chapter 13

Chapter 13 Bankruptcy:

  • Chapter 13 bankruptcy is often the right choice for if you owe money on a vehicle, mortgage, furniture, or have tax debt or have tax liens. These debts will be restructured over the life of the Chapter Plan with their interest rates reduced and consolidated into one monthly payment.
  • Unsecured debt like bank overdrafts, internet loans, signature loans, medical and credit card debt and is usually paid at about 1% of the overall amount owed.
  • In Chapter 13 bankruptcy, the trustee will collect a single payment from you each month that is then distributed to your creditors according to your repayment plan.
  • Chapter 13 bankruptcy takes longer than a Chapter 7, but it might be the only option available to you depending on your total income and assets – many people do not qualify for Chapter 7 bankruptcy.
  • Once you receive your Chapter 13 discharge, your debts will be repaid with liens released and typically the only ongoing payment after a Plan discharges is a Mortgage that is current on payments.

The Most Common Question We Get Asked Is…

How Can Bankruptcy Help Me?

  • Get a second chance with a financial fresh start,
  • Have your previous debt discharged permanently, stop foreclosures on your home or repossessions of your vehicle,
  • Consolidate payments for distribution to your creditor (Chapter 13),
  • End the constant harassment by creditors and collection agencies, and
  • Begin rebuilding your credit.

Ready To Speak With An Attorney?

It won’t cost you anything to speak with an attorney about your case.

Contact Us

3 Steps to see if we can help:

1. Schedule appointment 2. Discuss your situation 3. Decide to work together

mrcullerlaw@yahoo.com

(803) 536-5055

1540 Russell Street, Suite 103 Orangeburg, SC 29115

M-F: 9am-5pm

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